Financial Institutions Inc (FISI)

Currency in USD
24.88
+0.19(+0.77%)
Closed·
After Hours
24.880.00(0.00%)
·
FISI Scorecard
Full Analysis
Net income is expected to grow this year
High dividend Yield
FISI is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
24.6525.03
52 wk Range
20.9729.78
Key Statistics
Prev. Close
24.69
Open
24.92
Day's Range
24.65-25.03
52 wk Range
20.97-29.78
Volume
85.08K
Average Volume (3m)
133.2K
1-Year Change
7.1%
Book Value / Share
29.06
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
34.00
Upside
+36.66%
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
Neutral
Technical Indicators
Buy
Moving Averages
Sell

Financial Institutions Inc 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 Q2/2025

  • Financial Institutions Inc. beats Q2 2025 forecasts with EPS of $0.85 and revenue of $59.74 million, surpassing analyst expectations
  • Net interest income grew 519%, contributing to a 4% increase in net income available to common shareholders
  • Company projects 13% full-year loan growth and anticipates net interest margin between 3.45% and 3.55%
  • Winding down of Banking as a Service offering announced; focus shifts to community banking and wealth management
  • Stock declined 0.99% in after-hours trading despite strong earnings, closing at $26.32
Last Updated: 26/07/2025, 02:34
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Compare FISI to Peers and Sector

Metrics to compare
FISI
Peers
Sector
Relationship
P/E Ratio
−13.8x9.1x9.5x
PEG Ratio
0.081.710.03
Price/Book
0.9x1.2x1.0x
Price / LTM Sales
4.9x3.0x2.8x
Upside (Analyst Target)
36.7%20.7%13.1%
Fair Value Upside
Unlock−0.5%1.9%Unlock

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 34.00
(+36.66% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS -2.02%
Dividend Yield
4.98%
Industry Median 3.46%
Annualised payout
1.24
Paid quarterly
5-Years Growth
+3.65%
Growth Streak

Earnings

Latest Release
Jul 24, 2025
EPS / Forecast
0.85 / 0.81
Revenue / Forecast
59.74M / 59.16M
EPS Revisions
Last 90 days

FISI Income Statement

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FAQ

What Stock Exchange Does Financial Institutions Trade On?

Financial Institutions is listed and trades on the Nasdaq Stock Exchange 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 500.83M.

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

The Financial Institutions EPS (TTM) is -2.02.

When Is the Next Financial Institutions Earnings Date?

Financial Institutions will release its next earnings report on 22 Oct 2025.

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 Sell.

How Many Times Has Financial Institutions Stock Split?

Financial Institutions has split 0 times.

How Many Employees Does Financial Institutions Have?

Financial Institutions has 598 employees.

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

As of 09 Aug 2025, Financial Institutions (FISI) is trading at a price of 24.88, with a previous close of 24.69. The stock has fluctuated within a day range of 24.65 to 25.03, while its 52-week range spans from 20.97 to 29.78.
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