NASDAQ:FISI Financial Institutions (FISI) Stock Price, News & Analysis $41.46 +0.20 (+0.48%) Closing price 04:00 PM EasternExtended Trading$41.38 -0.08 (-0.19%) As of 07:34 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Financial Institutions Stock (NASDAQ:FISI) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Financial Institutions alerts:Sign Up Key Stats Today's Range$40.98▼$41.9750-Day Range$35.36▼$42.1652-Week Range$24.62▼$42.26Volume131,691 shsAverage Volume151,063 shsMarket Capitalization$816.35 millionP/E Ratio10.29Dividend Yield3.09%Price Target$40.50Consensus RatingModerate Buy Company Overview Financial Institutions, Inc. (NASDAQ: FISI) is a non-diversified, closed-end management investment company that seeks to provide tax-advantaged income to shareholders. The company invests primarily in investment-grade municipal obligations issued by states, municipalities and government agencies across the United States. By focusing on high-credit-quality bonds, Financial Institutions aims to deliver current income that is exempt from federal income tax. In constructing its portfolio, the company may also utilize money market instruments and repurchase agreements to manage liquidity and facilitate efficient settlement. Its investment strategy emphasizes thorough credit analysis and sector diversification, with allocations that can include general obligation bonds, revenue bonds pledged against specific projects and securities issued for public infrastructure development. This disciplined approach is designed to balance yield objectives with capital preservation. Financial Institutions, Inc. is listed on the Nasdaq under the ticker FISI and maintains regular disclosure of its portfolio holdings and performance metrics. The company’s governance structure includes an independent board of directors and an experienced investment adviser, ensuring that portfolio decisions and risk management practices align with the interests of its shareholders. AI Generated. May Contain Errors. Read More Financial Institutions Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks50th Percentile Overall ScoreFISI MarketRank™: Financial Institutions scored higher than 50% of companies evaluated by MarketBeat, and ranked 616th out of 856 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.7 / 5Analyst RatingModerate Buy Consensus RatingFinancial Institutions has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.Upside/DownsideThe consensus price target for Financial Institutions is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageFinancial Institutions has only been the subject of 2 research reports in the past 90 days.Read more about Financial Institutions' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth6.06% Earnings GrowthEarnings for Financial Institutions are expected to grow by 6.06% in the coming year, from $3.96 to $4.20 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Financial Institutions is 10.27, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.97.Price to Earnings Ratio vs. SectorThe P/E ratio of Financial Institutions is 10.27, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.43.Price to Book Value per Share RatioFinancial Institutions has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted2.82% of the float of Financial Institutions has been sold short.Short Interest Ratio / Days to CoverFinancial Institutions has a short interest ratio ("days to cover") of 3.82, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Financial Institutions has recently increased by 8.77%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldFinancial Institutions pays a meaningful dividend of 3.10%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthFinancial Institutions has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Financial Institutions is 31.76%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Financial Institutions will have a dividend payout ratio of 30.48% next year. This indicates that Financial Institutions will be able to sustain or increase its dividend.Read more about Financial Institutions' dividend. News and Social Media2.9 / 5News Sentiment0.65 News SentimentFinancial Institutions has a news sentiment score of 0.65. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.80 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Financial Institutions this week, compared to 3 articles on an average week.Search Interest1 people have searched for FISI on MarketBeat in the last 30 days. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Financial Institutions insiders have not sold or bought any company stock.Percentage Held by Insiders2.44% of the stock of Financial Institutions is held by insiders.Percentage Held by Institutions60.45% of the stock of Financial Institutions is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Financial Institutions' insider trading history. Receive FISI Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Financial Institutions and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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FISI Stock News HeadlinesSAP Fioneer Launches Cloud Accounting Subledger to Simplify Multi-GAAP Accounting for Financial InstitutionsJuly 31 at 12:11 PM | insidermonkey.comKeefe, Bruyette & Woods Increases Financial Institutions (NASDAQ:FISI) Price Target to $45.00July 29 at 1:30 AM | americanbankingnews.comA letter from Shannon StansberryPorter Stansberry nearly canceled the entire project. When he first saw the claimed returns - only one down year in nearly two decades and total gains of almost 2,000% - his immediate reaction was disbelief. It took a trusted friend's personal vouching for Emmet Savage and a face-to-face trip to Ireland to change his mind. The full documentary, Investigating Project Prophet, is now live.July 31 at 1:00 AM | Porter & Company (Ad)Financial Institutions, Inc. 2026 Q2 - Results - Earnings Call PresentationJuly 28 at 7:01 PM | seekingalpha.comFinancial Institutions (NASDAQ:FISI) Reaches New 52-Week High After Earnings BeatJuly 26, 2026 | americanbankingnews.comFinancial Institutions, Inc. (FISI) Q2 2026 Earnings Call TranscriptJuly 24, 2026 | seekingalpha.comFinancial Institutions, Inc. Reports Net Income Available to Common Shareholders of $20.8 million, or $1.04 per Diluted Share, for the Second Quarter of 2026July 23, 2026 | globenewswire.comFinancial Institutions Inc (FISI) Q2 2026 Earnings Report Preview: What To ExpectJuly 22, 2026 | finance.yahoo.comSee More Headlines FISI Stock Analysis - Frequently Asked Questions How have FISI shares performed this year? Financial Institutions' stock was trading at $31.17 at the beginning of the year. Since then, FISI stock has increased by 32.8% and is now trading at $41.3850. How were Financial Institutions' earnings last quarter? Financial Institutions, Inc. (NASDAQ:FISI) announced its quarterly earnings results on Thursday, July, 23rd. The bank reported $1.04 EPS for the quarter, topping analysts' consensus estimates of $0.93 by $0.11. The bank earned $64.32 million during the quarter, compared to analyst estimates of $63.54 million. Financial Institutions had a net margin of 21.78% and a trailing twelve-month return on equity of 13.54%. Read the conference call transcript. Is Financial Institutions doing a stock buyback? Financial Institutions' board authorized a stock buyback program on Monday, September 22nd 2025, which allows the company to buy back $1,000,000 in outstanding shares, according to EventVestor. This means that the company could reacquire up to 0.2% of its shares through open market purchases. Shares repurchase programs are generally a sign that the company's board of directors believes its shares are undervalued. Who are Financial Institutions' major shareholders? Top institutional shareholders of Financial Institutions include Canandaigua National Bank & Trust Co. (0.78%). Insiders that own company stock include Robert N Latella and Kevin B Quinn. View institutional ownership trends. How do I buy shares of Financial Institutions? Shares of FISI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Financial Institutions own? Based on aggregate information from My MarketBeat watchlists, some other companies that Financial Institutions investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET). Company Calendar Record date for 7/2 Dividend6/12/2026Ex-Dividend for 7/2 Dividend6/12/2026Dividend Payable7/02/2026Last Earnings7/23/2026Today7/31/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (13m+) 1-Year History Jul 25 Oct 25 Jan 26 Apr 26 Jul 26 FISI's financial health is in the Green zone, according to TradeSmith. FISI has been in this zone for over 13 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:FISI CIK862831 Webwww.five-starbank.com Phone(585) 786-1100Fax718-786-5254Employees620Year FoundedN/APrice Target and Rating Average Price Target for Financial Institutions$40.50 High Price Target$45.00 Low Price Target$36.00 Potential Upside/Downside-2.3%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$4.03 Trailing P/E Ratio10.29 Forward P/E Ratio10.47 P/E GrowthN/ANet Income$74.87 million Net Margins21.78% Pretax Margin25.23% Return on Equity13.54% Return on Assets1.31% Debt Debt-to-Equity Ratio0.13 Current Ratio0.86 Quick Ratio0.86 Sales & Book Value Annual Sales$377.94 million Price / Sales2.16 Cash Flow$3.81 per share Price / Cash Flow10.88 Book Value$30.38 per share Price / Book1.36Miscellaneous Outstanding Shares19,690,000Free Float19,206,000Market Cap$816.35 million OptionableOptionable Beta0.63 Social Links 7 Stocks That Could Lead the Next Market BoomTesla, Nvidia, and Google helped shape the last era of market growth, but the next wave could come from a new group of companies. 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