Financial Institutions Inc (FISI)

Currency in USD
41.33
-0.32(-0.77%)
Closed·
41.330.00(0.00%)
·
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Fair Value
Day's Range
41.0041.74
52 wk Range
24.9042.97
Key Statistics
Prev. Close
41.65
Open
41.46
Day's Range
41-41.74
52 wk Range
24.9-42.97
Volume
135.94K
Average Volume (3m)
163.29K
1-Year Change
66.1842%
Book Value / Share
31.81
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
45.00
Upside
+8.88%
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
Sell
Technical Indicators
Strong Sell
Moving Averages
Neutral

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 45.00
(+8.88% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Piper Sandler
Hold45.00+8.88%38.00MaintainAug 03, 2026
Keefe, Bruyette & Woods
Buy45.00+8.88%42.00MaintainJul 27, 2026
Keefe, Bruyette & Woods
Buy39.00-5.64%38.00MaintainApr 27, 2026
Piper Sandler
Hold36.00-12.90%34.00MaintainFeb 02, 2026
Piper Sandler
Hold---MaintainDec 17, 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
Jul 23, 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 4.03%
Dividend Yield
3.05%
Industry Median 2.71%
Annualised payout
1.28
Paid quarterly
5-Years Growth
+3.52%
Growth Streak

FISI Income Statement

Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
10.0x17.0x10.0x
PEG Ratio
0.03−5.320.03
Price/Book
1.3x1.7x1.0x
Price / LTM Sales
3.3x5.0x2.9x
Upside (Analyst Target)
8.0%6.3%13.5%
Fair Value Upside
Unlock21.8%2.7%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
5.64M28.61%234.82M
Other Institutional Investors
11.03M55.97%459.40M
Public Companies & Retail Investors
3.04M15.42%126.55M
Total
19.71M100.00%820.77M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
PL Capital Advisors, LLC9.22%1,816,10275,641
BlackRock, Inc.8.28%1,632,49667,993

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FAQ

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

The Financial Institutions stock price today is 41.33 USD.

What Stock Exchange Does Financial Institutions Trade On?

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

What Is the Stock Symbol for Financial Institutions?

The stock symbol for Financial Institutions is "FISI."

What Is the Financial Institutions Market Cap?

As of today, Financial Institutions market cap is 814.46M USD.

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

The Financial Institutions EPS (TTM) is 4.03.

When Is the Next Financial Institutions Earnings Date?

Financial Institutions will release its next earnings report on Oct 22, 2026.

From a Technical Analysis Perspective, Is FISI a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Financial Institutions Stock Split?

Financial Institutions has split 0 times.

How Many Employees Does Financial Institutions Have?

Financial Institutions has 631 employees.

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

As of Aug 11, 2026, Financial Institutions (FISI) is trading at a price of 41.33 USD, with a previous close of 41.65 USD. The stock has fluctuated within a day range of 41.00 USD to 41.74 USD, while its 52-week range spans from 24.90 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 +8.88% Upside potential.
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