Financial Institutions Inc (FISI)

NASDAQ
Currency in USD
23.86
-0.10(-0.42%)
Closed·
After Hours
23.86-0.01(-0.04%)
·
FISI Scorecard
Full Analysis
Net income is expected to grow this year
Earnings results expected tomorrow
Fair Value
Day's Range
23.5024.25
52 wk Range
16.8129.78
Key Statistics
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Prev. Close
23.96
Open
23.68
Day's Range
23.5-24.25
52 wk Range
16.81-29.78
Volume
93.9K
Average Volume (3m)
195.24K
1-Year Change
35.57%
Book Value / Share
28.33
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
32.00
Upside
+34.12%
Members' Sentiments
Bearish
Bullish
ProTips
3 analysts have revised their earnings downwards for the upcoming period
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Financial Institutions Inc Company Profile

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 include 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, and deposit account collateralized loans. In addition, it offers customized 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
598

Financial Institutions Inc Earnings Call Summary for Q4/2024

  • FISI reported Q4 2024 net loss of $66.1M, full-year loss of $1.66 per share; completed $115M equity offering to bolster capital position
  • Stock fell 2.91% after-hours; Common Equity Tier 1 ratio up 145 bps from 2023; company targets 2025 efficiency ratio below 60%
  • 2025 goals: ROA ≥110 bps, ROE ≥11.25%; conservative 1-3% loan growth forecast, focusing on commercial lending and treasury management
  • Q1 2025 margin expected around 3.30%; maintaining 1.07% loan loss coverage ratio; 5% increase in core annual operating expenses projected
  • Analysts revise earnings upwards for upcoming period; FISI stock shows 38.03% return over past year despite current overvaluation
Last Updated: 2025-02-01, 06:32 a/m
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Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
−11.1x9.8x8.6x
PEG Ratio
0.061.610.03
Price/Book
0.9x1.3x1.0x
Price / LTM Sales
4.3x3.3x2.6x
Upside (Analyst Target)
34.1%2.6%17.7%
Fair Value Upside
Unlock−2.0%3.7%Unlock

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 32.00
(+34.12% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS -2.75%
Dividend Yield
5.20%
Industry Median 4.27%
Annualized payout
1.24
Paid quarterly
5-Years Growth
+3.71%
Growth Streak

Earnings

Latest Release
Jan 30, 2025
EPS / Forecast
-1.66 / 0.47
Revenue / Forecast
116.91M / 52.10M
EPS Revisions
Last 90 days

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FAQ

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

The Financial Institutions stock price today is 23.86

What Stock Exchange Does Financial Institutions Trade On?

Financial Institutions is listed and trades on the Nasdaq Stock Exchange 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 5.2%.

What Is the Financial Institutions Market Cap?

As of today, Financial Institutions market cap is 479.82M.

What is Financial Institutions Earnings Per Share?

The Financial Institutions EPS is -2.75.

What Is the Next Financial Institutions Earnings Date?

Financial Institutions will release its next earnings report on Apr 28, 2025.

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 Buy.
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