Financial Institutions Inc (FISI)

Currency in USD
42.70
+0.11(+0.26%)
Closed·
41.85-0.85(-1.99%)
·
Advertisement
FISI is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
42.3342.91
52 wk Range
24.6242.97
Key Statistics
Prev. Close
42.7
Open
42.58
Day's Range
42.33-42.91
52 wk Range
24.62-42.97
Volume
124.83K
Average Volume (3m)
158.67K
1-Year Change
70.0518%
Book Value / Share
31.81
Fair Value
unlockUnlock
Fair Value Upside
unlockUnlock
FISI Scorecardpro icon
Company’s Health
Unlock
Fair Value
Unlock Price
Fair Price
Upside
Price Target
45.00
Upside
+5.39%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

Financial Institutions Inc News & Analysis

Show more

Technical Analysis

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 45.00
(+5.39% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Piper Sandler
Hold45.00+5.39%38.00Maintain03/08/2026
Keefe, Bruyette & Woods
Buy45.00+5.39%42.00Maintain27/07/2026
Keefe, Bruyette & Woods
Buy39.00-8.67%38.00Maintain27/04/2026
Piper Sandler
Hold36.00-15.69%34.00Maintain02/02/2026
Piper Sandler
Hold---Maintain17/12/2025

Financial Institutions Inc Earnings Call Summary for Q2/2026

  • Financial Institutions Q2 EPS of $1.04 beat estimates by 11.8%; revenue of $64.31M topped forecasts by 1.4%, with net income up 21% YoY to $20.8M.
  • Company raised FY26 targets: ROA to 1.3%+ from 1.22%, ROE to 12.5%+ from 11.9%, NIM to ~3.70%, and efficiency ratio below 57%.
  • Net interest margin expanded 3bps QoQ and 21bps YoY to 3.70%; wealth management AUM hit $4B milestone, up 13% from Q1.
  • Credit quality remained strong with net charge-offs at 11bps vs 44bps in Q1; CET1 ratio improved to 11.44%, up 7bps sequentially.
  • FY26 loan growth guidance held at 5% despite 8% H1 growth due to expected indirect auto portfolio runoff; no share buybacks executed in Q2.
Last Updated: 24/07/2026, 14:16
Read Full Transcript

Earnings

Latest Release
23/07/2026
EPS / Forecast
1.04 / 0.93
Revenue / Forecast
64.31M / 63.43M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 4.08%
Dividend Yield
3.01%
Industry Median 2.78%
Annualised payout
1.28
Paid quarterly
5-Years Growth
+3.52%
Growth Streak

Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
10.4x0.0x10.0x
PEG Ratio
0.030.000.03
Price/Book
1.3x0.0x1.0x
Price / LTM Sales
3.5x0.0x3.0x
Upside (Analyst Target)
5.7%0.0%12.8%
Fair Value Upside
Unlock0.0%2.2%Unlock

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 including 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, personal loans, and deposit account collateralized loans. In addition, it offers 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
631

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
5.66M28.70%240.88M
Other Institutional Investors
10.81M54.85%460.34M
Public Companies & Retail Investors
3.24M16.45%138.06M
Total
19.71M100.00%839.28M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
PL Capital Advisors, LLC9.22%1,816,10277,348
BlackRock, Inc.7.50%1,478,07262,951

People Also Watch

65.55
FBNC
+2.55%
65.43
ACNB
+1.41%
82.02
GSBC
+0.81%
71.93
FBIZ
-0.37%
35.72
CCNE
+0.51%

FAQ

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

The Financial Institutions stock price today is 42.70 USD.

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%.

What Is the Current Financial Institutions Market Capitalisation?

As of today, Financial Institutions (NASDAQ: FISI) market cap is 841.46M USD.

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

The Financial Institutions EPS is currently 4.08 (Trailing Twelve Months).

When Is the Next Financial Institutions Earnings Date?

Financial Institutions's next earnings report will be released on 22/10/2026.

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 for FISI stock is Strong 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 631 employees, based on their latest Companies House report.

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

As of 05/08/2026, Financial Institutions (FISI) is trading at a share price of 42.70 USD, with a previous close of 42.70 USD. The stock has fluctuated within a day range of 42.33 USD to 42.91 USD, while its 52-week range spans from 24.62 USD to 42.97 USD.

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

The average 12-month price target for Financial Institutions is 45.00 USD, with a high estimate of 45 USD and a low estimate of 45 USD. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +5.39% Upside potential.

What Is the FISI After Hours Price?

FISI's last after hours stock price is 41.85 USD, the stock has decreased by -0.85, or -1.99%.
Risk Disclosure: Trading in financial instruments and/or cryptocurrencies involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices of cryptocurrencies are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument or cryptocurrencies you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
Fusion Media would like to remind you that the data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not necessarily provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes. Fusion Media and any provider of the data contained in this website will not accept liability for any loss or damage as a result of your trading, or your reliance on the information contained within this website.
It is prohibited to use, store, reproduce, display, modify, transmit or distribute the data contained in this website without the explicit prior written permission of Fusion Media and/or the data provider. All intellectual property rights are reserved by the providers and/or the exchange providing the data contained in this website.
Fusion Media may be compensated by the advertisers that appear on the website, based on your interaction with the advertisements or advertisers.
© 2007-2026 - Fusion Media Limited. All Rights Reserved.