NASDAQ:FISI Financial Institutions (FISI) Stock Price, News & Analysis $26.95 -0.54 (-1.96%) Closing price 03:59 PM EasternExtended Trading$26.99 +0.04 (+0.15%) As of 04:04 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 Polygon.io. 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$26.83▼$27.7750-Day Range$24.69▼$27.7652-Week Range$20.97▼$29.78Volume53,588 shsAverage Volume152,824 shsMarket Capitalization$542.50 millionP/E RatioN/ADividend Yield4.60%Price Target$33.00Consensus RatingHold 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™ Stocks73rd Percentile Overall ScoreFISI MarketRank™: Financial Institutions scored higher than 73% of companies evaluated by MarketBeat, and ranked 480th out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.1 / 5Analyst RatingHold Consensus RatingFinancial Institutions has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 2 buy ratings, 1 hold rating, and 1 sell rating.Upside PotentialFinancial Institutions has a consensus price target of $33.00, representing about 22.8% upside from its current price of $26.88.Amount of Analyst CoverageFinancial Institutions has only been the subject of 1 research reports in the past 90 days.Read more about Financial Institutions' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth13.94% Earnings GrowthEarnings for Financial Institutions are expected to grow by 13.94% in the coming year, from $3.30 to $3.76 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Financial Institutions is -17.68, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.Price to Earnings Ratio vs. SectorThe P/E ratio of Financial Institutions is -17.68, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.Price to Book Value per Share RatioFinancial Institutions has a P/B Ratio of 0.75. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Financial Institutions' valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted2.30% of the outstanding shares of Financial Institutions have been sold short.Short Interest Ratio / Days to CoverFinancial Institutions has a short interest ratio ("days to cover") of 3.2, 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 7.58%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend LeadershipFinancial Institutions is a leading dividend payer. It pays a dividend yield of 4.72%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthFinancial Institutions has only been increasing its dividend for 1 years.Dividend SustainabilityBased on earnings estimates, Financial Institutions will have a dividend payout ratio of 32.98% next year. This indicates that Financial Institutions will be able to sustain or increase its dividend.Read more about Financial Institutions' dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted2.30% of the outstanding shares of Financial Institutions have been sold short.Short Interest Ratio / Days to CoverFinancial Institutions has a short interest ratio ("days to cover") of 3.2, 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 7.58%, indicating that investor sentiment is decreasing significantly. News and Social Media3.4 / 5News Sentiment1.11 News SentimentFinancial Institutions has a news sentiment score of 1.11. 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 higher news sentiment than the 0.77 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Financial Institutions this week, compared to 5 articles on an average week.Search Interest1 people have searched for FISI on MarketBeat in the last 30 days. Company Ownership1.7 / 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 InsidersOnly 2.68% 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. 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FISI Stock News HeadlinesFirst National Bank of Sparta Selects Raymond James Financial Institutions Division for Wealth Management ServicesOctober 13 at 12:11 PM | quiverquant.comQNet Worth Update: Senator Mark R. Warner Made an Estimated $1.2M in the Stock Market Last MonthOctober 11, 2025 | quiverquant.comQ$100 Trillion “AI Metal” Found in American Ghost TownJeff Brown recently traveled to a ghost town in the middle of an American desert… To investigate what could be the biggest technology story of this decade. In short, he believes what he's holding in his hand is the key to the $100 trillion AI boom… And only one company here in the U.S. can mine this obscure metal.October 15 at 2:00 AM | Brownstone Research (Ad)Financial Institutions Are Set To Tokenize Some Deposits In 2026. It May Mark The Beginning Of A Stablecoin Boom.October 9, 2025 | finance.yahoo.comFinancial Institutions, Inc. Announces Third Quarter Earnings Release Date and Conference Call DetailsOctober 1, 2025 | quiverquant.comQFinancial Institutions, Inc. Schedules Third Quarter 2025 Earnings Release and Conference CallOctober 1, 2025 | globenewswire.comFiserv Releases AI Content Platform for Financial InstitutionsSeptember 29, 2025 | pymnts.comFinancial Institutions Announces New Share Repurchase ProgramSeptember 23, 2025 | msn.comSee More Headlines FISI Stock Analysis - Frequently Asked Questions How have FISI shares performed this year? Financial Institutions' stock was trading at $27.29 at the beginning of the year. Since then, FISI shares have decreased by 1.5% and is now trading at $26.88. How were Financial Institutions' earnings last quarter? Financial Institutions, Inc. (NASDAQ:FISI) posted its earnings results on Thursday, July, 24th. The bank reported $0.85 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.78 by $0.07. The bank earned $59.74 million during the quarter, compared to analyst estimates of $59.86 million. Financial Institutions had a positive trailing twelve-month return on equity of 10.44% and a negative net margin of 4.96%. Read the conference call transcript. Is Financial Institutions doing a stock buyback? Financial Institutions' Board of Directors initiated a stock buyback program on Monday, September 22nd 2025, which authorizes the company to repurchase $1,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 0.2% of its stock through open market purchases. Stock buyback programs are usually an indication that the company's board believes its stock is undervalued. Who are Financial Institutions' major shareholders? Financial Institutions' top institutional investors include Canandaigua National Bank & Trust Co. (0.89%). Insiders that own company stock include Martin Kearney Birmingham, Samuel M Gullo, Robert N Latella, Samuel J Burruano Jr 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 Last Earnings7/24/2025Record date for 10/2 Dividend9/15/2025Ex-Dividend for 10/2 Dividend9/15/2025Dividend Payable10/02/2025Today10/15/2025Next Earnings (Estimated)10/23/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST 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$33.00 High Price Target$34.00 Low Price Target$32.00 Potential Upside/Downside+20.0%Consensus RatingHold Rating Score (0-4)2.25 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)($1.52) Trailing P/E RatioN/A Forward P/E Ratio8.33 P/E GrowthN/ANet Income-$41.65 million Net Margins-4.96% Pretax Margin-16.31% Return on Equity10.44% Return on Assets0.92% Debt Debt-to-Equity Ratio0.20 Current Ratio0.87 Quick Ratio0.87 Sales & Book Value Annual Sales$366.61 million Price / Sales1.51 Cash Flow$4.00 per share Price / Cash Flow6.87 Book Value$35.65 per share Price / Book0.77Miscellaneous Outstanding Shares20,130,000Free Float19,591,000Market Cap$553.37 million OptionableOptionable Beta0.71 Elon Musk's Next MoveExplore Elon Musk’s boldest ventures yet—from AI and autonomy to space colonization—and find out how investors can ride the next wave of innovation.Get This Free Report This page (NASDAQ:FISI) was last updated on 10/15/2025 by MarketBeat.com Staff From Our PartnersURGENT: The Market's 3 Red Flags Are FlashingHere’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...StockEarnings | SponsoredBitcoin grabs headlines, but smart money likes this tokenBitcoin grabs headlines, but smart money likes this token My research team has identified the token positio...Crypto 101 Media | SponsoredYour Bank Account Is No Longer SafeWhat If Washington Declared That: YOUR Money ISN'T Actually Yours? 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