FISI

Financial Institutions Inc

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Advanced Chart

29.330

+0.25(0.860%)1D

Line

Candle

YTD

High

29.340

Open

29.030

VWAP

29.04

Vol

193.43K

Mkt Cap

590.43M

Low

28.800

Amount

5.62M

EV/EBITDA(TTM)

Total Shares

15.45M

688.71M

EV/OCF(TTM)

9.11

P/S(TTM)

5.55

Financial Institutions, Inc. is a financial holding company. It provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. It offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. It offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. It offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q2

FY2026Q1

FY2025Q4

64.14M

+7.37%

0.950

+11.76%

63.27M

+10.54%

0.940

+15.66%

63.03M

+24.43%

0.940

+72.6%

Estimates Revision

The market is revising Upward the revenue expectations for Financial Institutions, Inc. (FISI) for FY2025, with the revenue forecasts being adjusted by 1.74% over the past three months. During the same period, the stock price has changed by 17.93%.

Revenue Estimates for FY2025

Revise Upward

+1.74%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+2.88%

In Past 3 Month

Stock Price

Go Up

+17.93%

In Past 3 Month

1 Analyst Rating

Wall Street analysts forecast FISI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FISI is 35.00 USD with a low forecast of 35.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 29.330

Low

35.00

Averages

35.00

High

35.00

Current: 29.330

Low

35.00

Averages

35.00

High

35.00

Keefe Bruyette

Damon DelMonte

Outperform

maintain

$34 -> $35

2025-10-27

Reason

Keefe Bruyette

Damon DelMonte

Price Target

$34 -> $35

2025-10-27

maintain

Outperform

Reason

Keefe Bruyette analyst Damon DelMonte raised the firm's price target on Financial Institutions to $35 from $34 and keeps an Outperform rating on the shares.

Stephens & Co.

Matt Breese

Hold

Reiterates

$32

2025-03-11

Reason

Stephens & Co.

Matt Breese

Price Target

$32

2025-03-11

Reiterates

Hold

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Hold

Buy

Upgrades

$29 → $34

2025-02-03

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Price Target

$29 → $34

2025-02-03

Upgrades

Hold

Buy

Reason

Stephens & Co.

Matt Breese

Hold

Reiterates

$33

2025-01-31

Reason

Stephens & Co.

Matt Breese

Price Target

$33

2025-01-31

Reiterates

Hold

Reason

Piper Sandler

Frank Schiraldi

Buy

Initiates

$33

2024-12-20

Reason

Piper Sandler

Frank Schiraldi

Price Target

$33

2024-12-20

Initiates

Buy

Reason

Financial Institutions, parent company of Five Star Bank and Courier Capital, announced today that it has launched an underwritten public offering of shares of its common stock. The company intends to use the net proceeds from this offering for general corporate purposes which may include a balance sheet restructuring through the repositioning of a substantial portion of our available-for-sale debt securities portfolio to support continued growth as well as the repayment of indebtedness. Keefe, Bruyette & Woods, Inc., A Stifel Company is serving as the sole bookrunner for the offering, and Piper Sandler & Co. is acting as the co-manager.

Keefe, Bruyette & Woods

Damon Delmonte

Hold

Maintains

$27 → $28

2024-12-04

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Price Target

$27 → $28

2024-12-04

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Financial Institutions Inc (FISI.O) is 7.64, compared to its 5-year average forward P/E of 7.47. For a more detailed relative valuation and DCF analysis to assess Financial Institutions Inc 's fair value, click here.

Forward PE
Forward EV/EBITDA
Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

7.47

Current PE

7.64

Overvalued PE

8.71

Undervalued PE

6.22

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

2.12

Current PS

29.33

Overvalued PS

4.59

Undervalued PS

-0.35