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FISI Stock Chart & Stats
$40.80
$0.27(0.66%)
At close: 4:00 PM EDT
$40.80
$0.27(0.66%)
Day’s Range― - ―
52-Week Range$25.61 - $42.97
Previous CloseN/A
Volume39.45K
Average Volume (3M)158.97K
Market Cap
$798.50M
Enterprise Value$1.03K
Total Cash (Recent Filing)$59.55M
Total Debt (Recent Filing)$290.97M
Price to Earnings (P/E)9.8
Beta0.97
Next Earnings
Oct 22, 2026EPS Estimate
1.05Next Dividend Ex-DateN/A
Dividend Yield3.15%
Share Statistics
EPS (TTM)4.09
Shares Outstanding19,706,360
10 Day Avg. Volume169,833
30 Day Avg. Volume158,967
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
$45.00Price Target Upside10.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.07
Revenue Forecast (FY)$259.95M
Bulls Say, Bears Say
Bulls Say
Commercial Lending GrowthStrong commercial lending in core Western and Central New York markets supports durable balance-sheet growth, deepens local customer relationships, and indicates the bank is gaining share in its target markets through disciplined origination.
Margin And Profitability ImprovementHigher margin and return guidance indicates improving earnings power and operating execution. Sustained efficiency near 55% and controlled expenses could support resilient profitability over the next several quarters.
Fee Income DiversificationGrowing wealth-management assets and advisory revenue broaden the earnings base beyond spread income. This diversification can improve recurring fee generation and reduce dependence on lending margins over time.
Bears Say
Negative Stockholders’ EquityNegative reported equity is a major structural balance-sheet weakness for a regional bank. It can constrain strategic flexibility, complicate leverage assessment, and increase sensitivity to credit losses or asset-value deterioration.
Shrinking Revenue BaseMaterial top-line contraction suggests that current profitability may not fully reflect durable growth momentum. If revenue weakness persists, it could pressure operating leverage, investment capacity, and the bank’s ability to sustain returns.
Uneven Cash Flow And Credit CushionImproved recent cash generation is offset by a volatile historical profile, limiting confidence in its consistency. The relatively low allowance range also leaves less cushion if credit conditions weaken or losses rise unexpectedly.
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 $25.61 and its highest was $42.97 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $798.50M.
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 50 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 3.15%. See more information on Financial Institutions Inc dividends here
What is Financial Institutions Inc’s EPS estimate?
Financial Institutions Inc’s EPS estimate is 1.05.
How many shares outstanding does Financial Institutions Inc have?
Financial Institutions Inc has 19,706,360 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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$45.00 (10.29% Upside)
$45.00 (10.29% Upside)
Blogger Sentiment
Bullish
FISI Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.4K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.62%
12-Months-Change
Fundamentals
Return on Equity
3.15%
Trailing 12-Months
Asset Growth
3.11%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
$45.00
▲(10.29% 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
25.74% Other Institutional Investors
38.27% Public Companies and
Individual Investors