FISI
Financial Institutions, Inc.
Set alert
- YTD
- +26.31%
- 1 year
- +37.32%
- Open
- 38.74
- Prev close
- 40.88
- Mkt cap
- 775.84M
- Vol
- 256.19K
- Avg vol
- 129.89K
- EPS
- 4.03
- P/E
- 9.77
- Div yield
- 4.42%
More statistics
- Low
- 38.25
- High
- 39.50
- Forward P/E
- 8.72
- Beta
- 0.92
- Short ratio
- 0.80
- Inst. own
- 56.74%
- Dividend
- 1.20
- Ex-div date
- Dec 12, 2024
- Earnings
- Jan 23, 2025
- 50-d avg
- 26.49
- 200-d avg
- 22.22
- 1y target
- 31.00
Key statistics
- Market cap
- 533.02M
- Enterprise value
- 396.14M
- Trailing P/E
- 8.63
- Forward P/E
- 8.72
- PEG ratio
- 0.00
- Price / sales
- 2.46
- Price / book
- 0.88
- EPS (TTM)
- 3.17
- Beta
- 0.92
- Dividend yield
- 4.42%
- Payout ratio
- 37.85%
- Profit margin
- 23.52%
- Revenue (TTM)
- 216.60M
- Revenue growth
- -8.20%
- Free cash flow
- 0
- Total cash
- 285.42M
- Total debt
- 244.60M
- Return on equity
- 11.21%
- Shares outstanding
- 19.47M
- Short % of float
- 0.28%
- 50-day average
- 26.49
- 200-day average
- 22.22
Analyst view
Consensus: hold
- Target (low)
- 29.00
- Target (mean)
- 31.00
- Target (high)
- 33.00
- Strong buy0
- Buy0
- Hold2
- Sell0
- Strong sell0
Next earnings
Jan 23, 2025
Expected Jan 23, 2025. Consensus EPS estimate 0.47.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 23, 2025 | Dec 1, 2024 | 0.00 | — | — | — |
| Oct 24, 2024 | Sep 1, 2024 | 0.00 | 0.84 | — | — |
| Jul 25, 2024 | Jun 1, 2024 | 0.00 | 1.62 | — | — |
| Apr 25, 2024 | Mar 1, 2024 | 0.66 | 0.11 | -0.55 | -83.33% |
| Jan 25, 2024 | Dec 1, 2023 | 0.73 | 0.61 | -0.12 | -16.44% |
| Oct 26, 2023 | Sep 1, 2023 | 0.86 | 0.88 | +0.02 | +2.33% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Dec 4, 2024 | Keefe, Bruyette & Woods | main | Market Perform | Market Perform |
| Jul 29, 2024 | Keefe, Bruyette & Woods | reit | Market Perform | Market Perform |
| Apr 5, 2024 | Keefe, Bruyette & Woods | main | Market Perform | Market Perform |
| Apr 2, 2024 | Keefe, Bruyette & Woods | main | Market Perform | Market Perform |
| Mar 25, 2024 | Piper Sandler | down | Overweight | Neutral |
| Jul 13, 2023 | Stephens & Co. | init | — | Equal-Weight |
About Financial Institutions, Inc.
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses 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. Its 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 to the agricultural industry; 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 personal loans. The company offers personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services, such as life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. 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 Services
- Industry
- Banks - Regional
- Country
- United States
- Website
- fisi-investors.com
News
- Financial Institutions, Inc. (FISI) Q3 2026 Earnings Call Transcript
- Financial Institutions Q3 Earnings Call Highlights
- Financial Institutions Q3 2026 Earnings Call Transcript
- Financial Institutions (FISI) Lags Q3 Earnings and Revenue Estimates
- Financial Institutions Q3 EPS $0.99 Misses $1.05 Estimate, Sales $54.291M Miss $55.446M Estimate
- Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026
- Financial Institutions (NASDAQ:FISI) Share Price Breaks Above Two Hundred Day Moving Average – What’s Next?
- Financial Institutions (NASDAQ:FISI) Share Price Breaks Above 200 Day Moving Average – Here’s What Happened
- Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call
- Why Financial Institutions (FISI) is a Great Dividend Stock Right Now
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| BIRMINGHAM MARTIN KEARNEY | Chief Executive Officer | Purchase | Dec 12, 2024 | 148,453 |
| BOSWELL DONALD K | Director | Purchase | Dec 12, 2024 | 15,295 |
| BURRUANO SAMUEL J JR. | Officer | Purchase | Dec 12, 2024 | 12,206 |
| DORN ANDREW W JR | Director | Purchase | Dec 12, 2024 | 36,423 |
| GLASER ROBERT M | Director | Purchase | Dec 12, 2024 | 46,939 |
| GULLO SAMUEL M | Director | Purchase | Dec 12, 2024 | 40,840 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| PL Capital Advisors, LLC | 11.45% | 1,771,516 | 48.49M | Sep 29, 2024 |
| Blackrock Inc. | 8.93% | 1,382,183 | 37.83M | Sep 29, 2024 |
| Dimensional Fund Advisors LP | 6.18% | 956,926 | 26.19M | Sep 29, 2024 |
| Vanguard Group Inc | 5.29% | 818,673 | 22.41M | Sep 29, 2024 |
| Ategra Capital Management, LLC | 3.70% | 572,075 | 15.66M | Sep 29, 2024 |
| Commonwealth Equity Services, LLC | 2.93% | 453,352 | 12.41M | Sep 29, 2024 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 2.97% | 459,281 | 12.57M | Sep 29, 2024 |
| iShares Russell 2000 ETF | 2.82% | 435,924 | 11.93M | Oct 30, 2024 |
| Avantis U.S. Small Cap Value ETF | 1.69% | 262,012 | 7.17M | Sep 29, 2024 |
| Vanguard Extended Market Index Fund | 1.60% | 247,530 | 6.77M | Sep 29, 2024 |
| DFA U.S. Small Cap Value Series | 1.55% | 239,841 | 6.56M | Jul 30, 2024 |
| Fidelity Small Cap Index Fund | 1.01% | 156,071 | 4.27M | Aug 30, 2024 |