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FISI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
37.500
Open
36.620
VWAP
36.82
Vol
79.70K
Mkt Cap
730.56M
Low
35.860
Amount
2.94M
EV/EBITDA(TTM)
8.44
Total Shares
19.69M
EV
884.18M
EV/OCF(TTM)
--
P/S(TTM)
3.39
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.
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Events Timeline

(ET)
2026-04-23
16:20:00
Q1 Tangible Book Value Per Share at $28.15
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2026-01-29 (ET)
2026-01-29
16:20:00
Q4 Net Interest Income Reaches $52.2M
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2025-10-23 (ET)
2025-10-23
16:08:31
Financial Institutions Reports Q3 Earnings Per Share of 99 Cents, Up from 84 Cents Last Year
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2025-09-22 (ET)
2025-09-22
16:12:18
Financial Institutions Unveils New Stock Buyback Initiative
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2025-07-24 (ET)
2025-07-24
16:07:44
Financial Institutions reports Q2 EPS 85c, consensus 81c
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News

seekingalpha
8.0
05-21seekingalpha
Financial Institutions Declares $0.32 Quarterly Dividend
  • Quarterly Dividend Announcement: Financial Institutions (FISI) declares a quarterly dividend of $0.32 per share, consistent with previous payouts, indicating the company's stable cash flow and shareholder return strategy, which is expected to bolster investor confidence.
  • Dividend Yield: The forward yield of 3.65% reflects the company's attractiveness in the current market environment, potentially drawing in income-seeking investors and enhancing shareholder value.
  • Record Date for Shareholders: The dividend will be payable on July 2, with a record date of June 12 and an ex-dividend date also on June 12, providing investors with a clear timeline for their investment decisions.
  • Loan Growth Target: Financial Institutions targets a 5% loan growth and anticipates a full-year net interest margin in the upper 360s, indicating a proactive strategy for business expansion and profitability enhancement.
NASDAQ.COM
2.0
04-24NASDAQ.COM
FISI Q1 2026 Earnings Call Transcript
Newsfilter
9.5
04-02Newsfilter
Financial Institutions, Inc. to Release Q1 2026 Earnings Results
  • Earnings Release Schedule: Financial Institutions, Inc. will release its first-quarter earnings results for the period ending March 31, 2026, after market close on April 23, 2026, providing essential financial metrics to assess company performance.
  • Conference Call Details: Management will host an earnings conference call on April 24, 2026, at 8:30 a.m. Eastern Time, led by CEO Martin K. Birmingham and CFO W. Jack Plants II, aimed at interpreting the earnings report and addressing investor inquiries.
  • Participation Method: U.S. participants can access the call by dialing 1-833-470-1428 and entering access code 416712; additionally, a live audio webcast will be available on the company’s website, allowing investors to receive real-time updates.
  • Company Overview: Financial Institutions, Inc. is a financial holding company with approximately $6.3 billion in assets as of December 31, 2025, with its subsidiaries providing diverse banking and wealth management services across New York and the Mid-Atlantic region, showcasing strong market competitiveness.
seekingalpha
8.0
02-13seekingalpha
Financial Institutions Announces 3.2% Dividend Increase to $0.32 per Share
  • Dividend Increase: Financial Institutions has declared a quarterly dividend of $0.32 per share, marking a 3.2% increase from the previous $0.31, which underscores the company's stable profitability and commitment to shareholder returns.
  • Yield Performance: The forward yield of 3.76% not only attracts income-seeking investors but also reflects the company's competitive position in the current market environment, enhancing its appeal.
  • Payment Schedule: The dividend is payable on April 2, with a record date of March 13 and an ex-dividend date also on March 13, ensuring shareholders receive their earnings promptly.
  • Future Outlook: Financial Institutions projects at least 122 basis points of return on assets (ROA) for 2026, indicating ongoing growth potential in commercial lending, which bolsters investor confidence in the company's long-term development.
Newsfilter
8.0
02-12Newsfilter
Financial Institutions Increases Quarterly Cash Dividend to $0.32
  • Dividend Increase: Financial Institutions, Inc. has announced a quarterly cash dividend increase to $0.32 per share, reflecting a $0.01 or 3.2% rise from the previous quarter, which underscores the company's strong profitability in 2025 and robust balance sheet, demonstrating the Board's confidence in sustainable long-term earnings growth.
  • Commitment to Shareholders: CEO Martin K. Birmingham emphasized that this dividend increase not only reflects a commitment to returning capital to shareholders but also highlights the company's determination to continue investing in its franchise and supporting communities, aiming to enhance shareholder trust.
  • Annual Yield: The $0.32 cash dividend represents a 3.7% annualized yield based on the closing share price of $34.43 on February 11, 2026, with a payout ratio of 35% of net income available to common stockholders per diluted share for 2025, indicating a healthy balance between shareholder returns and profitability maintenance.
  • Preferred Stock Dividends: The company also announced dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share on its Series B-1 8.48% preferred stock, with all dividends payable on April 2, 2026, further enhancing its return capabilities to various shareholder groups.
seekingalpha
9.5
01-29seekingalpha
Financial Institutions Reports Strong Q4 Earnings
  • Earnings Per Share: Financial Institutions reported a GAAP EPS of $3.61 for Q4, indicating strong profitability that is likely to positively influence investor confidence.
  • Revenue Growth: The company achieved revenue of $244 million in Q4, marking a significant increase compared to the previous year, demonstrating the effectiveness of its business model and sustained market demand.
  • Investment Value Analysis: According to Seeking Alpha's quant rating, Financial Institutions is still considered a worthy investment, reflecting market recognition of its future growth potential.
  • Historical Performance Review: The historical earnings data for Financial Institutions further supports its stable financial performance, enhancing investor confidence in its long-term investment value.
Wall Street analysts forecast FISI stock price to rise
2 Analyst Rating
Wall Street analysts forecast FISI stock price to rise
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
34.00
Averages
34.50
High
35.00
Current: 0.000
sliders
Low
34.00
Averages
34.50
High
35.00
Keefe Bruyette
Keefe Bruyette
Outperform
maintain
$38 -> $39
AI Analysis
2026-04-27
Reason
Keefe Bruyette
Keefe Bruyette
Price Target
$38 -> $39
AI Analysis
2026-04-27
maintain
Outperform
Reason
Keefe Bruyette raised the firm's price target on Financial Institutions to $39 from $38 and keeps an Outperform rating on the shares.
Keefe Bruyette
Outperform
maintain
$59 -> $63
2026-02-02
Reason
Keefe Bruyette
Price Target
$59 -> $63
2026-02-02
maintain
Outperform
Reason
Keefe Bruyette raised the firm's price target on Financial Institutions to $63 from $59 and keeps an Outperform rating on the shares.
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Valuation Metrics

The current forward P/E ratio for Financial Institutions Inc (FISI.O) is 11.27, compared to its 5-year average forward P/E of 7.82. For a more detailed relative valuation and DCF analysis to assess Financial Institutions Inc's fair value, Click here.

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.82
Current PE
11.27
Overvalued PE
9.39
Undervalued PE
6.25

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
1.07
Current EV/EBITDA
6.96
Overvalued EV/EBITDA
4.82
Undervalued EV/EBITDA
-2.68

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.94
Current PS
2.67
Overvalued PS
2.38
Undervalued PS
1.49

Financials

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Frequently Asked Questions

What is Financial Institutions Inc (FISI) stock price today?

The current price of FISI is 37.11 USD — it has increased 1.34

What is Financial Institutions Inc (FISI)'s business?

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.

What is the price predicton of FISI Stock?

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 is34.50 USD with a low forecast of 34.00 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.

What is Financial Institutions Inc (FISI)'s revenue for the last quarter?

Financial Institutions Inc revenue for the last quarter amounts to 55.17M USD, increased 9.94

What is Financial Institutions Inc (FISI)'s earnings per share (EPS) for the last quarter?

Financial Institutions Inc. EPS for the last quarter amounts to 1.04 USD, increased 28.40

How many employees does Financial Institutions Inc (FISI). have?

Financial Institutions Inc (FISI) has 631 emplpoyees as of June 08 2026.

What is Financial Institutions Inc (FISI) market cap?

Today FISI has the market capitalization of 730.56M USD.