Financial Institutions, Inc. (FISI)

US — Financial Services Sector

Peers: FCCO CWBC FFNW FNWB HFBL NBHC KRNY HFWA HMNF FCAP FNWD OVLY AFBI OFED HVBC

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Key Metrics & Ratings

symbol FISI
Rev/Share 9.3889
Book/Share 56.1001
PB 0.4585
Debt/Equity 0.0488
CurrentRatio 21.9536
ROIC 0.0087

MktCap 517221484.0
FreeCF/Share 3.8172
PFCF 6.7503
PE -19.2368
Debt/Assets 0.0096
DivYield 0.047
ROE -0.0508

Rating B-
Score 2
Recommendation Sell
P/E Score 1
DCF Score 4
P/B Score 4
D/E Score 3

Recent Analyst Ratings

Type	Ticker	Analyst Firm	Previous Rating	Current Rating	Previous Price Target	Current Price Target	Date
Upgrade	FISI	Keefe Bruyette	Market Perform	Outperform	$29	$34	Feb. 3, 2025
Initiation	FISI	Piper Sandler	--	Overweight	--	$33	Dec. 20, 2024

News

Financial Institutions: The Picture Looks Better Now (Rating Upgrade)

FISI
Published: May 18, 2025 by: Seeking Alpha
Sentiment: Positive

I initially downgraded Financial Institutions due to mixed financial performance and valuation concerns, but recent improvements justify upgrading it to a soft 'buy'. The company's balance sheet has strengthened, with increases in loans and deposits, and improved asset quality, despite reliance on brokered deposits. Mixed income statement results show a drop in net interest income, but net profits surged due to the absence of last year's significant deposit-related charge-off.

image for news Financial Institutions: The Picture Looks Better Now (Rating Upgrade)

Financial Institutions, Inc. (FISI) Q1 2025 Earnings Call Transcript

FISI
Published: April 29, 2025 by: Seeking Alpha
Sentiment: Neutral

Financial Institutions, Inc. (NASDAQ:FISI ) Q1 2025 Results Conference Call April 29, 2025 9:00 AM ET Company Participants Kate Croft - Director of IR Marty Birmingham - President and CEO Jack Plants - CFO Conference Call Participants Frank Schiraldi - Piper Sandler Damon DelMonte - KBW Operator Hello, everyone, and thank you for joining the Financial Institutions, Inc. First Quarter 2025 Earnings Call. My name is Lucy, and I will be coordinating your call today.

image for news Financial Institutions, Inc. (FISI) Q1 2025 Earnings Call Transcript

New Strong Buy Stocks for February 13th

DAWN, FISI, SSB, SYF, VCYT
Published: February 13, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF, SSB, VCYT, DAWN and FISI have been added to the Zacks Rank #1 (Strong Buy) List on February 13, 2025.

image for news New Strong Buy Stocks for February 13th

Best Value Stocks to Buy for February 13th

FISI, SSB, SYF
Published: February 13, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF, FISI and SSB made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 13, 2025.

image for news Best Value Stocks to Buy for February 13th

Best Income Stocks to Buy for February 13th

FISI, SSB, SYF
Published: February 13, 2025 by: Zacks Investment Research
Sentiment: Positive

FISI, SSB and SYF made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 13, 2025.

image for news Best Income Stocks to Buy for February 13th

About Financial Institutions, Inc. (FISI)

IPO Date 1999-06-25
Website https://www.fiiwarsaw.com
Industry Banks - Regional
CEO Mr. Martin K. Birmingham
Employees 598

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 offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan 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 also provides 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 comprising 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.