Financial Institutions Inc (FISI)

Currency in USD
31.85
-0.12(-0.38%)
Closed·
31.850.00(0.00%)
·
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Fair Value
Day's Range
31.8532.12
52 wk Range
20.9733.00
Key Statistics
Prev. Close
31.97
Open
31.87
Day's Range
31.85-32.12
52 wk Range
20.97-33
Volume
126.9K
Average Volume (3m)
130.02K
1-Year Change
16.37%
Book Value / Share
30.03
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
34.50
Upside
+8.32%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

Financial Institutions Inc News & Analysis

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Technical Analysis

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

Financial Institutions 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 Q3/2025

  • FISI beats Q3 2025 forecasts with EPS of $0.99 and revenue of $61.11M, despite 0.56% after-hours stock decline
  • Net interest income up 5.4% to $51.8M, non-interest income up 13.6% to $12.1M; total deposits increased 3.9% to $5.36B
  • Full-year guidance raised: ROA to exceed 115 bps, ROE over 12%; loan growth at high end of 1-3% range for 2025
  • Strategic focus on expanding commercial lending in upstate NY; new wealth management office opened in Sarasota, FL
  • Net interest margin projected at 350-355 bps, with incremental improvements expected in 2026
Last Updated: 24/10/2025, 14:24
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Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
−21.8x0.0x9.7x
PEG Ratio
0.150.000.03
Price/Book
1.1x0.0x1.0x
Price / LTM Sales
5.5x0.0x2.9x
Upside (Analyst Target)
8.3%0.0%12.0%
Fair Value Upside
Unlock0.0%0.8%Unlock

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 34.50
(+8.32% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Piper Sandler
Hold---Maintain17/12/2025
Keefe, Bruyette & Woods
Buy35.00+9.89%34.00Maintain27/10/2025
Keefe, Bruyette & Woods
Buy34.00+6.75%-Maintain11/03/2025
Keefe, Bruyette & Woods
Buy34.00+6.75%29.00Upgrade03/02/2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS -1.53%
Dividend Yield
3.89%
Industry Median 3.16%
Annualised payout
1.24
Paid quarterly
5-Years Growth
+3.61%
Growth Streak

Earnings

Latest Release
Oct 23, 2025
EPS / Forecast
0.99 / 0.88
Revenue / Forecast
61.11M / 60.46M
EPS Revisions
Last 90 days

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FAQ

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

The live Financial Institutions share price today is 31.85

What Stock Exchange Does Financial Institutions (FISI) Trade On?

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

What Is the Ticker (Stock Symbol) for Financial Institutions?

The stock symbol (also called a 'ticker') for Financial Institutions is "FISI."

Does Financial Institutions Pay Dividends? What’s The Current FISI Dividend Yield?

Yes, FISI Pays Dividends to its Shareholders. The current Financial Institutions dividend yield is 3.89%.

What Is the Current Financial Institutions Market Cap?

As of today, Financial Institutions market capitalisation is 641.16M.

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

The Financial Institutions EPS is currently -1.53 (Trailing Twelve Months).

When Is the Next Financial Institutions Earnings Date?

Financial Institutions's next earnings report will be released on 29 Jan 2026.

Is FISI a Buy or Sell From a Technical Analyst Perspective?

Based on today's Financial Institutions moving averages and other technical indicators, the daily buy/sell signal is Buy.

How Many Times Has Financial Institutions Stock Split?

Financial Institutions has split 0 times. (See the FISI stock split history page for full effective split date and price information.)

How Many Employees Does Financial Institutions Have?

Financial Institutions has 598 employees.

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

As of 24 Dec 2025, Financial Institutions (FISI) is trading at a price of 31.85, with a previous close of 31.97. The stock has fluctuated within a day range of 31.85 to 32.12, while its 52-week range spans from 20.97 to 33.00.

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

The average 12-month price target for Financial Institutions is USD34.5, with a high estimate of USD35 and a low estimate of USD34. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +8.32% Upside potential.
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