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FISI Stock Chart & Stats
$40.62
$0.27(0.66%)
At close: 4:00 PM EDT
$40.62
$0.27(0.66%)
Day’s Range― - ―
52-Week Range$24.62 - $42.26
Previous CloseN/A
Volume39.45K
Average Volume (3M)141.67K
Market Cap
$813.07M
Enterprise Value$938.62
Total Cash (Recent Filing)$1.07B
Total Debt (Recent Filing)$260.69M
Price to Earnings (P/E)10.1
Beta1.05
Next Earnings
Oct 22, 2026EPS Estimate
1.03Next Dividend Ex-DateN/A
Dividend Yield3.04%
Share Statistics
EPS (TTM)4.09
Shares Outstanding19,706,000
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$41.50Price Target Upside2.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.02
Revenue Forecast (FY)$258.60M
Bulls Say, Bears Say
Bulls Say
Improving NIM & Profitability GuidanceManagement raised full‑year NIM and profitability targets, signaling durable net interest income expansion and stronger earnings power. Higher NIM guidance reflects structural asset repricing and margin management, which supports internal capital generation, dividends and buffer for cyclic headwinds over the medium term.
Strong Capital & Lower LeverageElevated regulatory and tangible capital ratios alongside a meaningful drop in debt-to-equity materially improve balance sheet resilience. This lasting improvement enhances lending optionality, cushions shocks, and supports strategic choices (dividends, selective growth) without immediate external funding dependency.
Growing Wealth & Fee IncomeExpanding assets under management and rising advisory fees diversify revenue away from net interest income. Durable growth in fee-based income provides higher-margin, recurring cash flow that cushions net interest volatility, strengthens customer relationships, and supports long-term profitability and cross-sell opportunities.
Bears Say
Weak Operating Cash FlowOperating cash flow is small relative to revenue and has been inconsistent across periods, undermining the reliability of reported earnings. Persistent weakness or volatility in cash generation can constrain organic capital allocation, limit flexibility for buybacks or investment, and elevate refinancing or liquidity risk over cycles.
Historical Earnings VolatilityPrior swings into a meaningful loss and negative margins indicate structural earnings sensitivity to credit and rate cycles. This variability complicates long-term planning, weakens predictability of returns and capital returns, and implies the franchise may be more cyclically exposed than higher‑tier peers despite recent rebound.
Thin Allowance For Credit LossesAllowance coverage sitting at the lower end of historical norms leaves less buffer for unexpected credit deterioration. If localized or macro stress emerges, reserve build-ups could pressure earnings and capital, forcing countervailing actions (slower growth, capital raises) that harm long‑term return durability.
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 $42.26 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $813.07M.
When is Financial Institutions Inc’s upcoming earnings report date?
Financial Institutions Inc’s upcoming earnings report date is Oct 22, 2026 which is in 81 days.
How were Financial Institutions Inc’s earnings last quarter?
Financial Institutions Inc released its earnings results on Jul 23, 2026. The company reported $1.04 earnings per share for the quarter, beating the consensus estimate of $0.93 by $0.11.
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 3.04%. See more information on Financial Institutions Inc dividends here
What is Financial Institutions Inc’s EPS estimate?
Financial Institutions Inc’s EPS estimate is 1.03.
How many shares outstanding does Financial Institutions Inc have?
Financial Institutions Inc has 19,706,000 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 $0.93. Following the earnings report the stock price went up 4.907%.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$41.50 (2.17% Upside)
$41.50 (2.17% Upside)
Blogger Sentiment
Neutral
FISI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 157.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.69%
12-Months-Change
Fundamentals
Return on Equity
3.04%
Trailing 12-Months
Asset Growth
3.11%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive performance: solid loan growth (especially commercial), expanding net interest income and margin guidance, improved profitability (higher ROA/ROE guidance), strong capital metrics, growing AUM, and better credit metrics (notably lower net charge-offs). Headwinds were relatively contained and largely structural or seasonal (indirect loan runoff, investment securities decline tied to seasonality, modest tax rate increase, and a small limited partnership loss). Given the breadth and magnitude of positive indicators and manageable lowlights, the overall tone is constructive.View all FISI earnings summariesFISI Stock 12 Month Forecast
Average Price Target
$41.50
▲(2.17% 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
15.24% Mutual Funds
10.79% Other Institutional Investors
54.13% Public Companies and
Individual Investors