Financial Institutions Inc (FISI)

Currency in USD
35.02
+0.22(+0.62%)
Real-time Data·
Trading near 52-week High
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Fair Value
Day's Range
34.9435.47
52 wk Range
20.9735.47
Key Statistics
Prev. Close
34.8
Open
34.95
Day's Range
34.94-35.47
52 wk Range
20.97-35.47
Volume
108.85K
Average Volume (3m)
140.16K
1-Year Change
23.5439%
Book Value / Share
30.38
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
37.00
Upside
+5.65%
Members' Sentiments
Bearish
Bullish
ProTips
Has maintained dividend payments for 27 consecutive years

Financial Institutions Inc News & Analysis

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Technical Analysis

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

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 Q4/2025

  • Financial Institutions Inc. reported Q4 2025 EPS of $0.96 (beating $0.94 forecast) and revenue of $64.1 million (exceeding $62.99 million expectations), with stock rising 0.03% in premarket trading.
  • Net income reached $19.6 million with commercial lending growing 11% year-over-year, offsetting declines in consumer indirect loans while leveraging strategic positioning in Upstate New York markets.
  • Company reported strong financial metrics including $200 million net interest income, $45 million non-interest income, and an efficiency ratio of 58%.
  • Management forecasts ROA of 122 basis points, ROE over 11.9%, efficiency ratio below 58%, and approximately 5% annual loan growth primarily in commercial sector.
  • CEO Marty Birmingham highlighted the company's strategic advantages in Upstate New York, while CFO Jack Plants emphasized focus on profitability over growth.
Last Updated: 2026-01-30, 09:26 a/m
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Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
9.4x0.0x10.1x
PEG Ratio
0.040.000.03
Price/Book
1.1x0.0x1.0x
Price / LTM Sales
3.0x0.0x2.9x
Upside (Analyst Target)
6.3%0.0%11.5%
Fair Value Upside
Unlock0.0%1.6%Unlock

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 37.00
(+5.65% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Piper Sandler
Hold36.00+3.03%34.00MaintainFeb 02, 2026
Piper Sandler
Hold---MaintainDec 17, 2025
Keefe, Bruyette & Woods
Buy35.00+0.17%34.00MaintainOct 27, 2025
Keefe, Bruyette & Woods
Buy34.00-2.69%-MaintainMar 11, 2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.61%
Dividend Yield
3.56%
Industry Median 3.19%
Annualized payout
1.24
Paid quarterly
5-Years Growth
+3.58%
Growth Streak

Earnings

Latest Release
Jan 29, 2026
EPS / Forecast
0.96 / 0.94
Revenue / Forecast
64.10M / 62.99M
EPS Revisions
Last 90 days

FISI Income Statement

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FAQ

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

The Financial Institutions stock price today is 35.02

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 3.56%.

What Is the Financial Institutions Market Cap?

As of today, Financial Institutions market cap is 691.91M.

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

The Financial Institutions EPS (TTM) is 3.61.

When Is the Next Financial Institutions Earnings Date?

Financial Institutions will release its next earnings report on Apr 29, 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 598 employees.

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

As of Feb 07, 2026, Financial Institutions (FISI) is trading at a price of 35.02, with a previous close of 34.80. The stock has fluctuated within a day range of 34.94 to 35.47, while its 52-week range spans from 20.97 to 35.47.

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

The average 12-month price target for Financial Institutions is USD37.00, with a high estimate of USD38 and a low estimate of USD36. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +5.65% Upside potential.

What Is the FISI Premarket Price?

FISI's last pre-market stock price is 35.30. The pre-market share volume is 20.00, and the stock has decreased by 0.50, or 1.44%.
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