Financial Institutions Inc (FISI)

Currency in USD
39.20
+0.28(+0.71%)
Real-time Data·
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Fair Value
Day's Range
38.5339.42
52 wk Range
24.6240.26
Key Statistics
Prev. Close
38.92
Open
38.92
Day's Range
38.53-39.42
52 wk Range
24.62-40.26
Volume
8.79K
Average Volume (3m)
144.45K
1-Year Change
45.1314%
Book Value / Share
31.29
Fair Value
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Fair Value Upside
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FISI Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
38.50
Downside
-1.79%
Members' Sentiments
Bearish
Bullish
ProTips
Has maintained dividend payments for 28 consecutive years

Financial Institutions Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Sell
Moving Averages
Strong Buy

Analyst Ratings

1 Buy
1 Hold
0 Sell
Ratings:
2 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 38.50
(-1.79% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Keefe, Bruyette & Woods
Buy39.00+0.03%38.00MaintainApr 27, 2026
Piper Sandler
Hold36.00-7.67%34.00MaintainFeb 02, 2026
Piper Sandler
Hold---MaintainDec 17, 2025
Keefe, Bruyette & Woods
Buy35.00-10.23%34.00MaintainOct 27, 2025

Financial Institutions Inc Earnings Call Summary for Q1/2026

  • FISI reported Q1 2026 EPS of $1.04, beating estimates of $0.92 by 13%, though revenue of $62.66M missed forecasts by 0.16%.
  • Net interest margin improved due to reduced interest-bearing liability costs; efficiency ratio stood at 57% with ROA at 137 basis points.
  • Stock declined 0.44% to $34 in premarket trading despite earnings beat, with analysts setting price targets between $36-$38.
  • Management forecasts Q2 2026 EPS of $0.95 and full-year 2026 EPS of $3.95, focusing on loan portfolio optimization and deposit growth.
  • Key risks include macroeconomic uncertainty, competitive deposit pricing pressure, and potential interest rate volatility affecting margins.
Last Updated: 2026-04-24, 09:10 a/m
Read Full Transcript

Earnings

Latest Release
Apr 23, 2026
EPS / Forecast
1.04 / 0.92
Revenue / Forecast
62.66M / 62.76M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.84%
Dividend Yield
3.28%
Industry Median 2.97%
Annualized payout
1.28
Paid quarterly
5-Years Growth
+3.55%
Growth Streak

FISI Income Statement

Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
9.8x0.0x10.1x
PEG Ratio
0.030.000.03
Price/Book
1.2x0.0x1.0x
Price / LTM Sales
3.2x0.0x2.9x
Upside (Analyst Target)
−1.1%0.0%12.6%
Fair Value Upside
Unlock0.0%1.7%Unlock

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.

Sector
Financial
Employees
631

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
5.52M28.06%214.98M
Other Institutional Investors
10.55M53.57%410.42M
Public Companies & Retail Investors
3.62M18.38%140.79M
Total
19.69M100.00%766.19M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
PL Capital Advisors, LLC9.23%1,816,10270,683
BlackRock, Inc.7.51%1,478,07257,527

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FAQ

What Is the Financial Institutions (FISI) Stock Price Today?

The Financial Institutions stock price today is 39.20 USD.

What Stock Exchange Does Financial Institutions Trade On?

Financial Institutions is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Financial Institutions?

The stock symbol for Financial Institutions is "FISI."

Does Financial Institutions Pay Dividends? What’s The Current Dividend Yield?

The Financial Institutions dividend yield is 3.19%.

What Is the Financial Institutions Market Cap?

As of today, Financial Institutions market cap is 767.57M USD.

What Is Financial Institutions's Earnings Per Share (TTM)?

The Financial Institutions EPS (TTM) is 3.84.

When Is the Next Financial Institutions Earnings Date?

Financial Institutions will release its next earnings report on Jul 23, 2026.

From a Technical Analysis Perspective, Is FISI a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Financial Institutions Stock Split?

Financial Institutions has split 0 times.

How Many Employees Does Financial Institutions Have?

Financial Institutions has 631 employees.

What is the current trading status of Financial Institutions (FISI)?

As of Jul 07, 2026, Financial Institutions (FISI) is trading at a price of 39.20 USD, with a previous close of 38.92 USD. The stock has fluctuated within a day range of 38.53 USD to 39.42 USD, while its 52-week range spans from 24.62 USD to 40.26 USD.

What Is Financial Institutions (FISI) Price Target According to Analysts?

The average 12-month price target for Financial Institutions is 38.50 USD, with a high estimate of 39 USD and a low estimate of 38 USD. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an -1.79% Downside potential.
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