NASDAQ:FISI Financial Institutions (FISI) Stock Price, News & Analysis $40.04 +0.14 (+0.35%) Closing price 04:00 PM EasternExtended Trading$40.03 -0.01 (-0.01%) As of 07:30 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 ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest 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$39.68▼$40.1950-Day Range$38.45▼$41.7052-Week Range$28.21▼$42.97Volume89,883 shsAverage Volume116,448 shsMarket Capitalization$784.78 millionP/E Ratio9.90Dividend Yield3.20%Price Target$45.00Consensus RatingModerate Buy Company Overview Financial Institutions, Inc. is a financial holding company that provides banking and related financial services through its subsidiaries, including Five Star Bank. Its offerings serve both individuals and businesses. Five Star Bank provides deposit accounts, lending, mortgage and other banking services. The company also offers wealth management services through its subsidiary, Courier Capital, LLC. Based in Warsaw, New York, Financial Institutions primarily serves communities in western and central New York through Five Star Bank’s branch network and other service channels.AI Generated. May Contain Errors. Read More Financial Institutions Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks74th Percentile Overall ScoreFISI MarketRank™: 3.6908496732 of 5 starsFinancial Institutions scored higher than 74% of companies evaluated by MarketBeat, and ranked 406th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.6 / 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 PotentialFinancial Institutions has a consensus price target of $45.00, representing about 12.4% upside from its current price of $40.04.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 Growth5.58% Earnings GrowthEarnings for Financial Institutions are expected to grow by 5.58% in the coming year, from $4.12 to $4.35 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Financial Institutions is 9.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.12.Price to Earnings Ratio vs. SectorThe P/E ratio of Financial Institutions is 9.90, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.Price to Book Value per Share RatioFinancial Institutions has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted3.58% 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 6.43.Change versus previous monthShort interest in Financial Institutions has recently decreased by 7.23%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldFinancial Institutions pays a meaningful dividend of 3.21%, 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 29.43% 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 Sentiment0.59 News SentimentFinancial Institutions has a news sentiment score of 0.59. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 5 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 HeadlinesgeniosAI Raises $19.1 Million to Bring Traceable AI Analysis to Financial InstitutionsNovember 9 at 4:50 PM | pymnts.comFinancial Institutions: 3 Key Takeaways for Long-Term InvestorsNovember 6, 2026 | msn.comDrop these 5 stocks before the market opens tomorrow!The Wall Street Journal called it the "$64 trillion question": is a stock market crash on the way? Weiss Ratings' latest research says 2026 could be very rough for some well-known stocks. A major shift now taking shape in the market could hit some of America's most-loved names hard. Weiss analysts have pinpointed five stocks they believe investors should steer clear of while it plays out.November 12 at 1:00 AM | Weiss Ratings (Ad)Fraud Costs Financial Institutions More Than MoneyNovember 6, 2026 | pymnts.comPayment Hubs Gain Ground as 35% of Financial Institutions Plan AdoptionNovember 5, 2026 | pymnts.comFinancial Institutions, Inc. 2026 Q3 - Results - Earnings Call PresentationNovember 3, 2026 | seekingalpha.comFinancial Institutions: Despite Disappointing Q3, The Big Picture Is Still CompellingNovember 1, 2026 | seekingalpha.comFinancial Institutions: Despite Disappointing Q3, The Big Picture Is Still CompellingNovember 1, 2026 | seekingalpha.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 start of the year. Since then, FISI stock has increased by 28.5% and is now trading at $40.04. How were Financial Institutions' earnings last quarter? Financial Institutions, Inc. (NASDAQ:FISI) posted its quarterly earnings results on Thursday, October, 29th. The bank reported $0.99 earnings per share for the quarter, missing the consensus estimate of $1.05 by $0.06. The bank had revenue of $64.75 million for the quarter, compared to the consensus estimate of $66.55 million. Financial Institutions had a net margin of 21.71% and a trailing twelve-month return on equity of 13.39%. Read the conference call transcript. Is Financial Institutions doing a stock buyback? Financial Institutions' board authorized a share repurchase program on Monday, September 22nd 2025, which permits the company to repurchase $1 million in shares, according to EventVestor. This means that the company could buy up to 0.2% of its shares through open market purchases. Shares buyback programs are typically a sign that the company's management believes its shares are undervalued. Who are Financial Institutions' major shareholders? Top institutional investors of Financial Institutions include State Street Corp (3.23%), Canandaigua National Bank & Trust Co. (0.76%), First Trust Advisors LP (0.58%) and Inspire Investing LLC (0.31%). 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 Enterprise Products Partners (EPD), International Business Machines (IBM), Johnson & Johnson (JNJ), Merck & Co., Inc. (MRK), Pfizer (PFE), Prudential Financial (PRU) and AT&T (T). Company Calendar Record date for 10/2 Dividend9/15/2026Ex-Dividend for 10/2 Dividend9/15/2026Dividend Payable10/02/2026Last Earnings10/29/2026Today11/12/2026Fiscal 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 (16m+) 1-Year History Nov 25 Feb 26 May 26 Aug 26 Nov 26 FISI's financial health is in the Green zone, according to TradeSmith. FISI has been in this zone for over 16 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:FISI CIK862831 Webwww.FISI-investors.com Phone(585) 786-1100Fax718-786-5254Employees631Year FoundedN/APrice Target and Rating Average Price Target for Financial Institutions$45.00 High Price Target$45.00 Low Price Target$45.00 Potential Upside/Downside+12.4%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$4.03 Trailing P/E Ratio9.90 Forward P/E Ratio9.20 P/E GrowthN/ANet Income$74.87 million Net Margins21.71% Pretax Margin26.03% Return on Equity13.39% Return on Assets1.29% Debt Debt-to-Equity Ratio0.13 Current Ratio0.87 Quick Ratio0.88 Sales & Book Value Annual Sales$377.94 million Price / Sales2.08 Cash Flow$3.81 per share Price / Cash Flow10.52 Book Value$30.70 per share Price / Book1.30Miscellaneous Outstanding Shares19,600,000Free Float19,123,000Market Cap$784.78 million OptionableOptionable Beta0.62 Social Links Don't Wait for the OpenAI IPOThe AI wave will soon hit public markets with Anthropic and OpenAI set to go public later this year. 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