Advertisement

Financial Institutions, Inc. FISI

Set alert

Price alert · FISI

All alert types
39.37 USD -1.51 -3.69%

At close · Oct 30

39.37 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

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

Events in this range
  • Dec 4, 2024Rating: Keefe, Bruyette & Woods · Market Perform → Market Perform
  • Dec 13, 2024Dividend: 0.3
  • Jan 23, 2025Earnings: —; estimate 0; surprise —%
  • Mar 14, 2025Dividend: 0.31
  • Jun 13, 2025Dividend: 0.31
  • Sep 15, 2025Dividend: 0.31
  • Dec 15, 2025Dividend: 0.31
  • Mar 13, 2026Dividend: 0.32
  • Jun 12, 2026Dividend: 0.32
  • Sep 15, 2026Dividend: 0.32
Signals (90)
NameDateAgo
SMA: BearishOct 30, 20261 day ago
SMA: BullishOct 22, 20261 week ago
MACD: Buy SignalOct 16, 20262 weeks ago
SMA: BearishSep 16, 20261 month ago
SMA: BullishSep 2, 20261 month ago
SMA: BearishSep 1, 20262 months ago
MACD: Sell SignalAug 10, 20262 months ago
RSI: OverboughtAug 4, 20262 months ago
RSI: OverboughtJul 28, 20263 months ago
MACD: Buy SignalJul 27, 20263 months ago
MACD: Sell SignalJul 7, 20263 months ago
RSI: OverboughtJun 30, 20264 months ago
RSI: OverboughtJun 26, 20264 months ago
MACD: Buy SignalJun 23, 20264 months ago
MACD: Sell SignalJun 17, 20264 months ago
MACD: Buy SignalMay 26, 20265 months ago
MACD: Sell SignalMay 11, 20265 months ago
MACD: Buy SignalMay 7, 20265 months ago
MACD: Sell SignalApr 29, 20266 months ago
MACD: Buy SignalApr 28, 20266 months ago
MACD: Sell SignalApr 24, 20266 months ago
RSI: OverboughtApr 17, 20266 months ago
RSI: OverboughtApr 14, 20266 months ago
RSI: OverboughtApr 8, 20266 months ago
SMA: BullishApr 6, 20266 months ago
MACD: Buy SignalMar 23, 20267 months ago
SMA: BearishFeb 27, 20268 months ago
SMA: BullishFeb 26, 20268 months ago
SMA: BearishFeb 23, 20268 months ago
MACD: Sell SignalFeb 18, 20268 months ago
RSI: OverboughtFeb 6, 20268 months ago
MACD: Buy SignalJan 29, 20269 months ago
MACD: Sell SignalJan 28, 20269 months ago
MACD: Buy SignalJan 21, 20269 months ago
MACD: Sell SignalDec 19, 202510 months ago
RSI: OverboughtDec 18, 202510 months ago
RSI: OverboughtDec 10, 202510 months ago
RSI: OverboughtDec 3, 202511 months ago
MACD: Buy SignalNov 25, 202511 months ago
MACD: Sell SignalNov 17, 202511 months ago
SMA: BullishOct 24, 20251 year ago
MACD: Buy SignalOct 24, 20251 year ago
SMA: BullishOct 20, 20251 year ago
SMA: BearishOct 16, 20251 year ago
SMA: BearishOct 16, 20251 year ago
SMA: BullishOct 14, 20251 year ago
SMA: BullishOct 13, 20251 year ago
SMA: BearishOct 10, 20251 year ago
SMA: BearishOct 10, 20251 year ago
SMA: BullishSep 18, 20251 year ago
SMA: BullishSep 17, 20251 year ago
SMA: BearishSep 16, 20251 year ago
SMA: BearishSep 15, 20251 year ago
MACD: Sell SignalSep 11, 20251 year ago
SMA: BullishAug 22, 20251 year ago
SMA: BullishAug 22, 20251 year ago
SMA: BearishAug 15, 20251 year ago
MACD: Buy SignalAug 13, 20251 year ago
SMA: BullishAug 12, 20251 year ago
SMA: BearishJul 29, 20251 year ago
SMA: BullishJul 28, 20251 year ago
SMA: BearishJul 25, 20251 year ago
MACD: Sell SignalJul 23, 20251 year ago
MACD: Buy SignalJun 27, 20251 year ago
SMA: BullishJun 26, 20251 year ago
SMA: BearishJun 25, 20251 year ago
SMA: BullishJun 23, 20251 year ago
SMA: BearishJun 16, 20251 year ago
MACD: Sell SignalMay 22, 20251 year ago
SMA: BullishApr 29, 20251 year ago
MACD: Buy SignalApr 21, 20251 year ago
RSI: OversoldApr 10, 20251 year ago
RSI: OversoldApr 3, 20251 year ago
SMA: BearishMar 4, 20251 year ago
MACD: Sell SignalFeb 25, 20251 year ago
SMA: BullishFeb 4, 20251 year ago
MACD: Buy SignalFeb 4, 20251 year ago
MACD: Sell SignalFeb 3, 20251 year ago
SMA: BearishJan 31, 20251 year ago
SMA: BullishJan 29, 20251 year ago
SMA: BearishJan 28, 20251 year ago
SMA: BullishJan 27, 20251 year ago
SMA: BearishJan 22, 20251 year ago
SMA: BullishJan 21, 20251 year ago
MACD: Buy SignalJan 21, 20251 year ago
SMA: BearishJan 16, 20251 year ago
SMA: BullishJan 15, 20251 year ago
MACD: Sell SignalDec 19, 20241 year ago
RSI: OverboughtDec 12, 20241 year ago
RSI: OverboughtNov 22, 20241 year ago

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

News

Your note

Sign in to keep a note on FISI — it syncs with the Stock Master app.

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
Advertisement