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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 - $40.40
Previous CloseN/A
Volume28.95K
Average Volume (3M)141.67K
Market Cap
$774.07M
Enterprise Value$817.37
Total Cash (Recent Filing)$185.24M
Total Debt (Recent Filing)$224.64M
Price to Earnings (P/E)10.1
Beta0.97
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Revenue Growth & Margin RecoverySustained TTM revenue growth with high net margins signals stronger core franchise economics and customer demand. Durable revenue and margin recovery increases earnings power, funds reinvestment and capital returns, and reduces reliance on one‑off items when sustained over quarters.
Improving Leverage / Balance SheetA materially lower debt/equity ratio and improving leverage provide lasting financial flexibility, lower interest burden and a stronger buffer in downturns. This enables disciplined capital actions, supports regulatory capital cushions and increases capacity to grow loans without excessive external funding.
Disciplined Capital Returns & ExecutionRefinancing, steady buybacks and a dividend raise reflect consistent capital allocation discipline and management confidence in recurring cash generation. Over time this reinforces shareholder returns, indicates conservative balance sheet stewardship and validates underlying profitability trends.
Bears Say
Historical Earnings VolatilityA prior material loss and swings in annual profitability indicate earnings are cyclical and sensitive to credit, interest rates and noninterest items. That volatility complicates long‑range planning, raises stress test risk and can force conservative capital or dividend actions in adverse cycles.
Deposit Funding Pressure & BaaS Wind‑downA shrinking core deposit base from the BaaS wind‑down and competitive pricing pressure make funding less sticky and can raise cost of funds. Structurally weaker deposits constrain loan growth, limit NIM upside and increase reliance on costlier wholesale funding if competition persists.
Elevated Net Charge-offs / Credit RiskA jump in net charge‑offs points to near‑term credit stress in the commercial book. Even if partially idiosyncratic, sustained higher loss rates would require larger provisions, reduce capital-generation capacity and could force more conservative underwriting or slower loan growth over the medium term.
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 $40.40 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $774.07M.
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 4 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 64%
Sector Average 64%
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 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
64.30% Public Companies and
Individual Investors