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FISI

Financial Institutions, Inc.

Financial Services · USD

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Price alert · FISI

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39.37 USD -1.51 -3.69%
As of Oct 30, 2026 Extended hours 39.37 0.00%
Bid
39.24 × 2
Ask
39.39 × 2
38.25 Day range 39.50
28.31 52-week range 42.70
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

2Y chart

Chart tools
Interval
FISI two-year price chart21.026.532.037.543.0Oct 24Mar 25Aug 25Jan 26Jun 26Oct 26

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

Hold
Price target (mean) 31.00 -21.3% downside
Target (low)
29.00
Target (mean)
31.00
Target (high)
33.00
Ratings (0m) 2 0 buy · 2 hold · 0 sell
  • Strong buy0
  • Buy0
  • Hold2
  • Sell0
  • Strong sell0

Next earnings

Jan 23, 2025

Expected Jan 23, 2025. Consensus EPS estimate 0.47.

Earnings history

Financials — quick view

All financials
FISI Revenue — quarterly 61.21M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
FISI Net income — quarterly 21.18M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
FISI EPS — quarterly 1.06
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026

Earnings

FISI recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 23, 2025Dec 1, 20240.00———
Oct 24, 2024Sep 1, 20240.000.84——
Jul 25, 2024Jun 1, 20240.001.62——
Apr 25, 2024Mar 1, 20240.660.11-0.55-83.33%
Jan 25, 2024Dec 1, 20230.730.61-0.12-16.44%
Oct 26, 2023Sep 1, 20230.860.88+0.02+2.33%

Upgrades / downgrades

FISI analyst upgrades and downgrades
DateFirmActionFromTo
Dec 4, 2024Keefe, Bruyette & WoodsmainMarket PerformMarket Perform
Jul 29, 2024Keefe, Bruyette & WoodsreitMarket PerformMarket Perform
Apr 5, 2024Keefe, Bruyette & WoodsmainMarket PerformMarket Perform
Apr 2, 2024Keefe, Bruyette & WoodsmainMarket PerformMarket Perform
Mar 25, 2024Piper SandlerdownOverweightNeutral
Jul 13, 2023Stephens & 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

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Insider holders

FISI insider holders
InsiderRelationLatest transactionDateShares held
BIRMINGHAM MARTIN KEARNEYChief Executive OfficerPurchaseDec 12, 2024148,453
BOSWELL DONALD KDirectorPurchaseDec 12, 202415,295
BURRUANO SAMUEL J JR.OfficerPurchaseDec 12, 202412,206
DORN ANDREW W JRDirectorPurchaseDec 12, 202436,423
GLASER ROBERT MDirectorPurchaseDec 12, 202446,939
GULLO SAMUEL MDirectorPurchaseDec 12, 202440,840

Institution ownership

FISI institution ownership
Holder% heldSharesValueReported
PL Capital Advisors, LLC11.45%1,771,51648.49MSep 29, 2024
Blackrock Inc.8.93%1,382,18337.83MSep 29, 2024
Dimensional Fund Advisors LP6.18%956,92626.19MSep 29, 2024
Vanguard Group Inc5.29%818,67322.41MSep 29, 2024
Ategra Capital Management, LLC3.70%572,07515.66MSep 29, 2024
Commonwealth Equity Services, LLC2.93%453,35212.41MSep 29, 2024

Fund ownership

FISI fund ownership
Holder% heldSharesValueReported
Vanguard Total Stock Market Index Fund2.97%459,28112.57MSep 29, 2024
iShares Russell 2000 ETF2.82%435,92411.93MOct 30, 2024
Avantis U.S. Small Cap Value ETF1.69%262,0127.17MSep 29, 2024
Vanguard Extended Market Index Fund1.60%247,5306.77MSep 29, 2024
DFA U.S. Small Cap Value Series1.55%239,8416.56MJul 30, 2024
Fidelity Small Cap Index Fund1.01%156,0714.27MAug 30, 2024
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