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FISI Stock Chart & Stats
$35.13
-$0.16(-0.61%)
At close: 4:00 PM EST
$35.13
-$0.16(-0.61%)
Day’s Range― - ―
52-Week Range$24.62 - $40.26
Previous CloseN/A
Volume28.95K
Average Volume (3M)141.67K
Market Cap
$740.99M
Enterprise Value$867.98M
Total Cash (Recent Filing)$185.24M
Total Debt (Recent Filing)$224.64M
Price to Earnings (P/E)10.0
Beta0.99
Next Earnings
Jul 23, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend Yield3.89%
Share Statistics
EPS (TTM)3.88
Shares Outstanding19,686,370
10 Day Avg. Volume155,015
30 Day Avg. Volume141,667
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)1.00
Price to Sales (P/S)1.66
P/FCF Ratio47.27
Enterprise Value/Market Cap1.17
Enterprise Value/Revenue2.29
Enterprise Value/Gross Profit3.61
Enterprise Value/Ebitda8.54
Forecast
1Y Price Target
$37.50Price Target Upside6.75% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.02
Revenue Forecast (FY)$258.32M
Bulls Say, Bears Say
Bulls Say
Strong Recent Revenue Growth And Healthy MarginsSustained TTM revenue growth with robust net and EBIT margins indicates improving core franchise profitability and pricing power. Over a 2–6 month horizon this underpins durable cash generation capacity, supports reinvestment and shareholder returns, and signals competitive traction in core markets.
Improving Leverage And Solid Returns On EquityMarked de‑leveraging versus prior years strengthens financial resilience and lowers interest burden, improving capital flexibility. A mid‑teens ROE/ROATCE profile (latest period) supports sustained dividend policy and buybacks while providing capacity to absorb shocks without dramatic capital raises.
Disciplined Capital Returns And Active Balance Sheet ManagementConsistent buybacks, a dividend raise, and liability refinancing reflect active capital allocation and management confidence in earnings durability. These actions lock in long‑term shareholder value and indicate prudent excess capital deployment rather than one‑off payouts, improving investor alignment over time.
Bears Say
Historical Earnings And Cash‑flow VolatilityMaterial swings including a 2024 loss and inconsistent operating cash flow weaken predictability of free cash flow and make capital planning harder. Even with strong recent FCF conversion, inconsistent OCF relative to revenue increases the risk of earnings reversals and constrains durable forecasting.
Deposit Pressure And BaaS Wind‑down Reduced Funding StabilityA shrinking deposit base and competitive pricing for CDs/money markets reduce low‑cost funding advantage. Allowing higher‑rate CDs to roll off and BaaS runoff are structural headwinds to funding stability that can compress NIM and force more costly wholesale funding if sustained.
Elevated Near‑term Credit Costs And Loss IncidenceA higher Q1 NCO run‑rate, partly tied to a previously reserved commercial relationship, raises provisioning and earnings volatility risk. Even if one‑off, elevated charge‑offs pressure capital and can reduce net income and payout capacity if credit stress broadens across commercial or indirect portfolios.
Financial Institutions News
FISI FAQ
What was Financial Institutions Inc’s price range in the past 12 months?
Financial Institutions Inc lowest stock price was $24.62 and its highest was $40.26 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $740.99M.
When is Financial Institutions Inc’s upcoming earnings report date?
Financial Institutions Inc’s upcoming earnings report date is Jul 23, 2026 which is in 13 days.
How were Financial Institutions Inc’s earnings last quarter?
Financial Institutions Inc released its earnings results on Apr 23, 2026. The company reported $1.04 earnings per share for the quarter, beating the consensus estimate of $0.92 by $0.12.
Is Financial Institutions Inc overvalued?
According to Wall Street analysts Financial Institutions Inc’s price is currently Undervalued.
Does Financial Institutions Inc pay dividends?
Financial Institutions Inc pays a Quarterly dividend of $0.32 which represents an annual dividend yield of 3.89%. See more information on Financial Institutions Inc dividends here
What is Financial Institutions Inc’s EPS estimate?
Financial Institutions Inc’s EPS estimate is 0.93.
How many shares outstanding does Financial Institutions Inc have?
Financial Institutions Inc has 19,686,370 shares outstanding.
What happened to Financial Institutions Inc’s price movement after its last earnings report?
Financial Institutions Inc reported an EPS of $1.04 in its last earnings report, beating expectations of $0.92. Following the earnings report the stock price went down -1.291%.
Which hedge fund is a major shareholder of Financial Institutions Inc?
Currently, no hedge funds are holding shares in FISI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Financial Institutions Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$37.50 (6.75% Upside)
$37.50 (6.75% Upside)
Blogger Sentiment
Bullish
FISI Sentiment 67%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 157.1K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.69%
12-Months-Change
Fundamentals
Return on Equity
12.72%
Trailing 12-Months
Asset Growth
-0.72%
Trailing 12-Months
Company Description
Financial Institutions Inc
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
FISI Company Deck
FISI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and capital story: strong first-quarter profitability, modest NIM outperformance with upgraded guidance, disciplined capital returns (debt refinancing, buybacks, dividend increase), a sizable loan pipeline and continued expense discipline. Headwinds include near-term deposit competitiveness and a modest year-over-year deposit decline driven by the BaaS wind-down, a temporary increase in quarterly net charge-offs due to a previously known commercial relationship, reduced swap-related noninterest income, branch write-downs, and runoff in the indirect auto portfolio. Management communicated confidence in loan pipeline conversion, margin stability, and guidance for efficiency and tax rate, which together suggest that the positive items meaningfully outweigh the transitory and manageable negatives.View all FISI earnings summariesFISI Stock 12 Month Forecast
Average Price Target
$37.50
▲(6.75% Upside)
Technical Analysis
Bar Harbor Bankshares
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Farmers National Banc Oh
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Unity Bancorp
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Capital Bancorp
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Third Coast Bancshares
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Ownership Overview
2.44% Insiders
15.25% Mutual Funds
0.78% Other Institutional Investors
64.41% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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