FISI

Financial Institutions Inc
NASDAQFINANCIAL SERVICESBANKS - REGIONAL

Key Statistics

Market Cap
$775.57M
P/E Ratio
9.86
EPS
$4.03
Beta
0.63
52W High
$42.63
52W Low
$27.20
50-Day MA
$40.05
200-Day MA
$36.92
Dividend Yield
3.21%
Profit Margin
33.80%
Forward P/E
11.27
PEG Ratio
1.41

About Financial Institutions Inc

Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$243.22M
Gross Profit (TTM)$243.22M
EBITDA—
Operating Margin41.40%
Return on Equity13.20%
Return on Assets1.28%
Revenue/Share (TTM)$12.31
Book Value$30.82
Price-to-Book1.24
Price-to-Sales (TTM)3.19
EV/Revenue3.667
EV/EBITDA—
Quarterly Earnings Growth (YoY)0.00%
Quarterly Revenue Growth (YoY)-0.40%
Shares Outstanding$19.52M
Float$17.14M
% Insiders2.62%
% Institutions83.40%

Historical Volatility

HV 10-Day
31.40%
HV 20-Day
25.01%
HV 30-Day
23.15%
HV 60-Day
19.25%
HV Rank
52.0%

Volatility is currently expanding

Analyst Ratings

Consensus ($45.00 target)
1
Strong Buy
1
Hold

Latest News

Financial Institutions, Inc. (FISI) Q3 2026 Earnings Call Transcript

Financial Institutions, Inc. ( FISI ) Q3 2026 Earnings Call October 30, 2026 8:30 AM EDT Company Participants Kate Croft - Director of Investor & External Relations Martin Birmingham - President, CEO & Director Jack Plants - Executive VP, CFO & Treasurer Conference Call Participants Damon Del Monte - Keefe, Bruyette, & Woods, Inc., Research Division Manuel Navas - Piper Sandler & Co., Research Division Presentation Operator Greetings, and welcome to the Financial Institutions Third Quarter 2026 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.

Seeking Alpha10/30/2026Neutral
Financial Institutions Q3 Earnings Call Highlights

Financial Institutions NASDAQ: FISI reported third-quarter results marked by commercial loan growth, stable net interest margin and increased net interest income, while management maintained its full-year profitability targets and refined selected guidance assumptions.

MarketBeat10/30/2026Positive
Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026

WARSAW, N.Y., Oct. 29, 2026 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the "Company," "we" or "us") today reported financial and operational results for the third quarter ended September 30, 2026, reflecting strong performance by subsidiaries Five Star Bank (the "Bank") and Courier Capital, LLC ("Courier Capital"), including healthy loan and deposit growth and sustained profitability.

GlobeNewsWire10/29/2026Neutral
Financial Institutions (FISI) Upgraded to Buy: Here's Why

Financial Institutions (FISI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Zacks Investment Research9/17/2026Positive
Financial Institutions, Inc. Announces Quarterly Cash Dividend

WARSAW, N.Y., Aug. 26, 2026 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced that today its Board of Directors approved a quarterly cash dividend of $0.32 per outstanding common share.

GlobeNewsWire8/26/2026Neutral

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Data last updated: 11/7/2026