Financial Institutions, Inc. FISI

40.23 0.21 0.52% as of 25 Sep
Market cap
$788.6M
P/E
9.8×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.02
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 1 — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.47%

Capital & Financial Ratios

Market Cap 788.55
Revenue 379.30
Net Income 82.63
Free Cash Flow 56.33
Net Debt (20.48)
Current Ratio 0.88
Debt/Equity 0.12
P/E ratio 9.84
P/S ratio 2.09
P/B ratio 1.26
Past 5Y EPS Growth 5.74%
This Y EPS Growth 16.07%
Next Y EPS Growth 2.63%
Next 5Y EPS Growth 5.30%
in millions of $

Dividends

Payout Ratio 0.36
Annual Dividend Rate 1.20
Annual Dividend Yield 6.57%
total individual payouts
2027 Powerpack
2026 1.28
0.32
0.32
0.32
2025 1.24
0.31
0.31
0.31
0.31
2024 1.20
0.30
0.30
0.30
0.30
2023 1.20
0.30
0.30
0.30
0.30
2022 1.16
0.29
0.29
0.29
0.29
2021 1.08
0.27
0.27
0.27
0.27
2020 1.04
0.26
0.26
0.26
0.26
2019 1.00
0.25
0.25
0.25
0.25
2018 0.96
0.24
0.24
0.24
0.24
2017 0.85
0.21
0.21
0.21
0.22
2016 0.81
0.20
0.20
0.20
0.21
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 124 87 109 99
Receivables — — — —
Inventory — — — —
Other — — — —
4,537 4,521 4,723 4,807
2023 2024 2025 Q'26
Payables 5,213 5,105 5,206 5,299
ST’ Debt — — — —
Other — — — —
5,398 5,204 5,315 5,481
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 10.78% 13.07% 15.96%
Cash Flow (7.96%) (15.43%) (47.98%)
Earnings 10.57% 14.77% 10.03%
Book Value 7.91% 6.07% 15.74%

Revenue

Mar Jun Sep Dec Year
’26 92 94 — — —
’25 91 93 96 97 378
’24 89 103 87 — 267
’23 75 83 85 92 334
’22 54 57 63 69 242
’21 54 51 53 55 214
’20 52 49 52 52 204
in millions of $ · fiscal quarters ending in the months shown
value withheld pending a data check

Operating Cash Flow

Mar Jun Sep Dec Year
’26 24 23 — — —
’25 10 (6) (7) 21 19
’24 12 36 2 27 77
’23 7 8 44 (48) 11
’22 44 38 36 16 134
’21 20 11 9 33 73
’20 4 6 10 23 43
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 23 22 — — —
’25 9 (7) (8) 19 13
’24 11 35 0 27 72
’23 6 8 43 (49) 8
’22 43 35 34 13 125
’21 20 7 7 33 67
’20 4 5 10 22 40
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.04 1.04 — — —
’25 0.81 0.85 0.99 0.96 3.61
’24 0.11 1.62 0.84 (4.02) (2.66)
’23 0.76 0.91 0.88 0.61 3.15
’22 0.93 0.99 0.88 0.76 3.56
’21 1.27 1.25 1.05 1.21 4.78
’20 0.05 0.67 0.74 0.84 2.30
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
24.56 25.65 24.49 25.50 12.78 21.76 22.91 13.84 16.29 20.97

Analyst estimates 2026–2028

Powerpack
Low Price
34.55 35.40 34.35 33.28 32.70 33.65 34.43 25.85 29.34 33.00
High Price
654 656 702 722 613 625 672 624 598 631
Employees
0 0 0 0 0 0 0 1 0 1
Revenue/Emp
151 165 189 209 204 214 242 334 267 378
Revenue
91.69% 89.39% 84.21% 81.41% 89.09% 94.17% 88.14% 63.99% 43.86% 64.81%
Gross Margin
44 43 50 59 46 97 71 63 (68) 91
EBT
29.23% 26.37% 26.18% 28.41% 22.36% 45.41% 29.28% 18.86% (25.57%) 24.17%
EBT Margin
32 34 40 49 38 78 57 50 (42) 75
Net Income
9 11 11 10 11 14 13 12 10 1
Depreciation
10.46 10.96 11.89 13.10 12.76 13.52 15.76 21.75 17.00 18.80
Revenue/Sh
2.11 2.13 2.39 2.97 2.30 4.81 3.58 3.17 (2.66) 3.65
Earnings/Sh
3.23 3.08 4.09 3.61 2.71 4.61 8.68 0.71 4.92 0.94
Cash Flow/Sh
(0.47) (0.50) (0.14) (0.21) (0.23) (0.37) (0.54) (0.19) (0.32) (0.27)
Capex/Sh
2.77 2.58 3.95 3.41 2.48 4.23 8.14 0.51 4.60 0.66
Free CF/Sh
22.17 25.34 24.91 27.48 29.23 31.89 26.37 29.58 36.28 31.29
Book Value/Sh
14 15 16 16 16 16 15 15 16 20
Shares
16.04 14.69 10.75 10.81 9.78 6.61 6.87 6.76 0.00 8.54
PE Ratio
3.24 2.84 2.16 2.45 1.76 2.35 1.56 0.99 1.61 1.66
PS Ratio
1.61 1.29 1.08 1.22 0.80 1.03 0.97 0.75 0.78 1.02
PB Ratio
3.02 2.48 1.83 2.10 1.66 2.33 1.33 0.99 1.75 1.88
EV/Sales
11.43 10.54 5.49 8.07 8.57 7.43 2.57 41.73 6.45 53.28
EV/FCF
47 46 65 58 43 73 134 11 77 19
Op' Cash Flow
(7) (8) (2) (3) (4) (6) (8) (3) (5) (5)
Capex
40 39 63 54 40 67 125 8 72 13
FCF
(945) (854) (678) (523) (643) (1,132) (998) (861) (683) (593)
Working Cap'
39 39 39 39 74 74 74 125 125 194
Total Debt
(32) (60) (64) (74) (20) (5) (56) 0 38 85
Net Debt
320 381 396 439 468 505 406 455 569 629
Sh' Equity
0.86% 0.82% 0.90% 1.09% 0.79% 1.46% 0.97% 0.82% (0.70%) 1.18%
ROA
9.58% 8.77% 9.75% 10.17% 6.59% 12.17% 12.99% 8.66% (7.02%) 8.00%
ROIC
10.52% 9.62% 10.25% 11.84% 8.45% 16.24% 12.58% 11.82% (8.72%) 12.62%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Financial Institutions, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Financial Institutions, Inc. (FISI) key facts

  • Financial Institutions, Inc. (FISI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of September 25, 2026, FISI traded at $40.23, a market capitalization of $788.6 million.
  • Financial Institutions, Inc. pays an annual dividend of $1.20 per share, a yield of 6.57%, with a payout ratio of 35.8%.
  • Return on equity was 12.6% and debt-to-equity 0.12.

Source: company filings (standardised) and stockrow calculations.

Financial Institutions, Inc. (FISI) Latest News

News by impact score

Fine-tune

17 Sep

3

Financial Institutions (FISI) upgraded to Buy rating. Analyst Buy upgrade may lift near-term investor sentiment and share price.

24 Jul

3

Financial Institutions Inc. Q2 earnings call highlighted revenue growth, stable net interest margins, loan expansion and maintained credit quality with management outlining digital initiatives and deposit strategies. Q2 earnings updates indicate steady performance that may moderately influence investor sentiment without fundamentally altering company trajectory.

3

Financial Institutions, Inc. held its Q2 2026 earnings call covering financial results and outlook. Quarterly earnings updates typically affect near-term sentiment and valuation without major strategic shifts.

20 May

3

Financial Institutions (FISI) is positioned as a strong investment opportunity due to solid fundamentals, attractive valuation, and favorable market conditions supporting potential upside. Positive investment framing may lift short-term sentiment and trading interest without altering core operations or long-term trajectory.

7 May

4

Financial Institutions, Inc. (FISI) beat earnings expectations, prompting analysts to predict continued positive momentum and potential stock upside. Earnings beat combined with favorable analyst outlook signals significant boost to financial performance and investor sentiment.

27 Apr

3

Financial Institutions, Inc. (FISI) released Q1 earnings call highlights detailing quarterly financial performance, strategic updates, and forward guidance. Q1 earnings call highlights moderately influence FISI's financial performance and market sentiment without fundamentally altering long-term trajectory.

25 Apr

4

Financial Institutions Inc. (FISI) highlighted strong profitability in Q1 2026 earnings call, with robust financial metrics amid market pressures. Strong Q1 2026 profitability amid challenges signals significant positive impact on FISI's financial trajectory and investor sentiment.

24 Apr

4

Financial Institutions, Inc. (FISI) released Q1 2026 earnings call summary highlighting quarterly financial results, performance metrics, and future outlook. Q1 earnings call summary discloses critical financial data and guidance shaping FISI's trajectory and investor sentiment.

23 Apr

4

Financial Institutions (FISI) reported Q1 earnings that beat analyst estimates. Beating Q1 earnings estimates signals robust financial health, likely driving positive investor sentiment and stock performance.

4

Financial Institutions, Inc. reported net income available to common shareholders of $20.6 million, or $1.04 per diluted share, for the first quarter of 2026. Strong Q1 net income of $20.6 million significantly bolsters FISI's financial performance and investor confidence.

14 Apr

4

Analysts are raising price targets for Financial Institutions, Inc. (FISI) as the company's narrative evolves positively, bolstered by enhanced capital returns to shareholders. Higher analyst price targets and capital returns signal major positive shifts in investor sentiment and FISI's market trajectory.

2 Mar

3

Valuation views on Financial Institutions, Inc. (FISI) converge, shifting its investment story. Converging valuation views moderately influence FISI's investor sentiment and market trajectory without fundamental changes.

15 Feb

4

Catalysts are quietly reframing the narrative for Financial Institutions, Inc. (FISI), signaling potential shifts in perception and performance. Catalysts identified signal major strategic shifts poised to alter FISI's trajectory and investor sentiment significantly.

12 Feb

3

Financial Institutions, Inc. has announced a 3.2% increase in its quarterly common stock dividend, raising it to $0.32 per share. This decision reflects the company's commitment to returning value to shareholders and indicates a positive outlook on its financial performance. The dividend increase suggests a moderately positive influence on investor sentiment and financial performance.

9 Feb

3

Reltio has achieved the AWS Financial Services Competency, recognizing its platform's ability to help financial institutions manage data effectively. This designation highlights Reltio's commitment to providing solutions that enhance data management and analytics for financial services. The AWS Financial Services Competency is awarded to organizations that demonstrate expertise in delivering solutions on the AWS platform, ensuring compliance and security for financial data. This achievement positions Reltio favorably within the competitive landscape of financial technology. Reltio's AWS Financial Services Competency may enhance its competitive positioning and influence its market performance.

30 Jan

4

Financial Institutions, Inc. (FISI) reported strong net income for Q4 2025, showcasing robust financial performance driven by increased revenues and effective cost management. The company highlighted growth in its loan portfolio and improved asset quality, contributing to overall profitability. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. Strong net income and growth in the loan portfolio indicate significant positive momentum for future performance.

4 transcript

Financial Institutions, Inc. (FISI) reported its latest earnings, highlighting key financial metrics and performance indicators. The company experienced growth in net income and assets, driven by increased loan demand and effective cost management strategies. Management provided insights into future expectations, emphasizing a focus on expanding their market presence and enhancing customer service. The earnings call also addressed potential challenges, including regulatory changes and economic conditions that may impact operations. Overall, the outlook remains positive as FISI aims to leverage its strengths in a competitive landscape. Significant growth in net income and strategic focus on market expansion indicate a likely positive impact on future performance.

4 transcript

Financial Institutions, Inc. (FISI) reported its Q4 earnings, highlighting a strong performance driven by increased net interest income and improved asset quality. The company noted a rise in loan demand and a decrease in non-performing assets, contributing to a positive outlook for the upcoming quarters. Management emphasized strategic initiatives aimed at enhancing operational efficiency and customer service. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory changes, while reaffirming the company's commitment to sustainable growth. Significant improvements in financial performance and strategic initiatives are likely to positively influence future growth and investor sentiment.

29 Jan

4

Financial Institutions, Inc. (FISI) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The company's total assets and deposits also saw significant growth, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market reach. The results indicate a positive trajectory for FISI, with expectations for continued growth in the upcoming quarters. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

Financial Institutions, Inc. reported a net income of $19.6 million, or $0.96 per diluted share, for the fourth quarter of 2025. For the full year 2025, the net income available to common shareholders was $73.4 million, translating to $3.61 per diluted share. The reported earnings indicate a stable financial performance, which may influence investor sentiment but is not expected to significantly alter the company's trajectory.

22 Jan

3

Financial Institutions, Inc. (FISI) has delivered a 13% compound annual growth rate (CAGR) to its shareholders over the past five years, reflecting strong performance and effective management strategies. The company's consistent growth trajectory highlights its resilience in the financial sector, attracting investor confidence and interest. The reported CAGR indicates a moderately positive influence on investor sentiment and financial performance.

12 Dec

3

Financial Institutions, Inc. (FISI) may not be a wise investment for its upcoming dividend due to concerns about its financial stability and performance. Analysts suggest that potential investors should be cautious, as the company's dividend yield may not be sustainable in the long term. Factors such as economic conditions and competitive pressures could further impact its ability to maintain dividend payouts, raising questions about the attractiveness of FISI as a dividend stock. Concerns about financial stability and dividend sustainability may moderately influence investor sentiment and future performance.

11 Dec

3

Financial Institutions, Inc. has successfully completed an $80.0 million private placement of subordinated notes. The offering was made to institutional investors and is expected to enhance the company's capital position. Proceeds will be utilized for general corporate purposes, including supporting growth initiatives and strengthening the balance sheet. The private placement is expected to provide additional capital that may positively influence financial performance and growth initiatives.

9 Dec

3

D.A. Davidson has expanded its financial institutions research coverage by hiring a senior analyst, which is expected to enhance the firm's analytical capabilities and insights into the sector. This strategic move aims to provide better service to clients and improve investment recommendations related to financial institutions. The hiring of a senior analyst may moderately influence the firm's research capabilities and client services, impacting market sentiment and investment strategies.

20 Nov

3

Capital One has joined the FedNow Service, a real-time payment system developed by the Federal Reserve. This move allows Capital One to offer instant payment capabilities to its customers, enhancing their banking experience. The FedNow Service aims to facilitate faster payments across various financial institutions, promoting efficiency in transactions. Capital One's participation signifies a commitment to modernizing payment solutions and staying competitive in the evolving financial landscape. Capital One's integration with FedNow may enhance its competitive positioning and influence market sentiment, but the overall impact on FISI is expected to be limited.

17 Nov

3

Financial Institutions, Inc. (FISI) has declared a quarterly cash dividend of $0.25 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

24 Oct

4

Financial Institutions, Inc. (FISI) reported strong financial results for Q3 2025, highlighting significant growth in net income and improved efficiency ratios. The company attributed its success to strategic initiatives and a favorable economic environment. Key performance indicators showed robust loan growth and increased deposits, contributing to a solid balance sheet. Management expressed optimism about future prospects and ongoing investments in technology to enhance customer experience. Strong financial results and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4 transcript

Financial Institutions, Inc. (FISI) reported its latest earnings, highlighting key financial metrics and performance indicators. The company experienced growth in net income and assets, driven by increased loan demand and effective cost management strategies. Management provided insights into future expectations, emphasizing a focus on expanding their market presence and enhancing customer service. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. Significant growth in net income and strategic focus on market expansion indicate a likely positive impact on future performance.

3

Financial Institutions, Inc. (FISI) is facing growing losses that challenge optimistic turnaround narratives, despite strong forecasts. The company's financial performance has raised concerns among investors, as losses continue to mount, overshadowing positive projections. Analysts are divided on the potential for recovery, with some highlighting the need for strategic adjustments to address the ongoing challenges. Ongoing losses may moderately influence financial performance and investor sentiment, but strong forecasts provide a counterbalance.

23 Oct

3

Financial Institutions, Inc. (FISI) reported its Q3 earnings, showing a net income of $5.2 million, or $0.45 per diluted share, compared to $4.8 million, or $0.41 per diluted share, in the same quarter last year. The increase in earnings was attributed to higher net interest income and improved asset quality. Total assets grew to $1.5 billion, reflecting a strong demand for loans and deposits. The company also announced a dividend of $0.20 per share, maintaining its commitment to returning value to shareholders. Overall, the results indicate a positive trend in financial performance and operational stability. Earnings growth and asset increase suggest moderate influence on financial performance.

stockrow.com/FISI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com