NASDAQ:FISI Financial Institutions (FISI) Stock Price, News & Analysis $27.09 +0.21 (+0.78%) Closing price 10/3/2025 04:00 PM EasternExtended Trading$27.10 +0.00 (+0.02%) As of 10/3/2025 04:10 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$26.88▼$27.5150-Day Range$24.69▼$27.7652-Week Range$20.97▼$29.78Volume114,977 shsAverage Volume128,100 shsMarket Capitalization$545.32 millionP/E RatioN/ADividend Yield4.58%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™ Stocks72nd Percentile Overall ScoreFISI MarketRank™: Financial Institutions scored higher than 72% of companies evaluated by MarketBeat, and ranked 462nd out of 925 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 21.8% upside from its current price of $27.09.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 -17.82, 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 -17.82, 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 0.76. 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 4.58%, 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 Media3.0 / 5News Sentiment1.31 News SentimentFinancial Institutions has a news sentiment score of 1.31. 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 0.67 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Financial Institutions this week, compared to 5 articles on an average week.Search InterestOnly 1 people have searched for FISI on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.MarketBeat Follows1 people have added Financial Institutions to their MarketBeat watchlist 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 2.40% 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 TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. FISI Stock News HeadlinesFinancial 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.comURGENT: The Market's 3 Red Flags Are FlashingThe warning signs that preceded the 2008 crash are reappearing: an irrational NASDAQ bubble, a record-high gold price (signaling fear), and escalating geopolitical risk. A sharp correction might happen tomorrow, and most investors will be caught off guard. Your portfolio is currently exposed.October 5 at 2:00 AM | StockEarnings (Ad)Fiserv Releases AI Content Platform for Financial InstitutionsSeptember 29, 2025 | pymnts.comFinancial Institutions (NASDAQ:FISI) to Buyback $1.00 million in Outstanding SharesSeptember 24, 2025 | americanbankingnews.comFinancial Institutions Announces New Share Repurchase ProgramSeptember 23, 2025 | msn.comFinancial Institutions effects stock buybacks program for up to 5% of outstanding sharesSeptember 23, 2025 | msn.comFinancial Institutions, Inc. Announces New Share Repurchase Program for 1,006,379 SharesSeptember 22, 2025 | quiverquant.comQSee More Headlines FISI Stock Analysis - Frequently Asked Questions How have FISI shares performed this year? Financial Institutions' stock was trading at $27.29 on January 1st, 2025. Since then, FISI shares have decreased by 0.7% and is now trading at $27.09. How were Financial Institutions' earnings last quarter? Financial Institutions, Inc. (NASDAQ:FISI) announced its quarterly earnings results on Thursday, July, 24th. The bank reported $0.85 earnings per share for the quarter, topping analysts' consensus estimates of $0.78 by $0.07. The bank earned $59.74 million during the quarter, compared to the consensus estimate 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 authorized a stock buyback plan on Monday, September 22nd 2025, which allows the company to repurchase $1,000,000 in outstanding shares, according to EventVestor. This means that the company could purchase up to 0.2% of its stock through open market purchases. Stock buyback plans are typically an indication that the company's board believes its shares are undervalued. 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 Payable10/02/2025Today10/05/2025Next 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+21.8%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 Ratio8.21 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 / Sales1.49 Cash Flow$3.88 per share Price / Cash Flow6.98 Book Value$35.65 per share Price / Book0.76Miscellaneous Outstanding Shares20,130,000Free Float19,647,000Market Cap$545.32 million OptionableOptionable Beta0.71 Metaverse Stocks And Why You Can't Ignore ThemThinking about investing in Meta, Roblox, or Unity? Enter your email to learn what streetwise investors need to know about the metaverse and public markets before making an investment.Get This Free Report This page (NASDAQ:FISI) was last updated on 10/5/2025 by MarketBeat.com Staff From Our PartnersMagnificent 7 being replaced by the “Hidden 7”?BULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...Chaikin Analytics | SponsoredU.S. Government Sparking Crypto RallyU.S. Puts GDP on the Blockchain Could this spark the next crypto supercycle? Discover the altcoins poised t...Crypto 101 Media | SponsoredREVEALED: Something Big Happening Behind White House DoorsWhat I just learned about what’s unfolding in the White House is truly stunning… And you need to see it for...Paradigm Press | SponsoredURGENT: 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 | SponsoredForget Tesla — This Tiny AI Stock Is Musk’s Real PlayWhile Wall Street focused on Tesla’s earnings, Elon Musk was quietly building a supercomputer so powerful it c...Behind the Markets | SponsoredMelt-up warning Porter Stansberry says this bull market is past the “safe zone” and racing toward an event horizon — and in hi...Porter & Company | Sponsored2013 miner reveals his trading systemWhile everyone else is gambling on meme coins or chasing the next "100x moonshot," our members are systematica...Crypto Swap Profits | SponsoredRIP USA"The America you knew is dying in front of you" That's the urgent warning the former $200 million hedge fun...Stansberry Research | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Financial Institutions, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share Financial Institutions With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.