Financial Institutions (FISI) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $27.36 to $27.77
• 50-Day Range: $24.69 to $27.67
• 52-Week Range: $20.97 to $29.78
• Volume: 104,468 shs
• Average Volume: 157,914 shs
• Market Capitalization: $558.81 million
• P/E Ratio: N/A
• Dividend Yield: 4.47%
• Price Target: $33.00
• Consensus Rating: Moderate Buy

Financial Institutions Stock Analysis - MarketRank™

Financial Institutions scored higher than 67% of companies evaluated by MarketBeat, and ranked 487th out of 927 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Financial Institutions has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Financial Institutions has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 13.94%

Earnings Growth

Earnings 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 Market

The P/E ratio of Financial Institutions is -18.14, 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. Sector

The P/E ratio of Financial Institutions is -18.14, 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 Ratio

Financial Institutions has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.62% of the outstanding shares of Financial Institutions have been sold short.

Short Interest Ratio / Days to Cover

Financial Institutions has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Financial Institutions has recently increased by 13.01%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Financial Institutions is a leading dividend payer. It pays a dividend yield of 4.48%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Financial Institutions has only been increasing its dividend for 1 years.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.62% of the outstanding shares of Financial Institutions have been sold short.

Short Interest Ratio / Days to Cover

Financial Institutions has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Financial Institutions has recently increased by 13.01%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.53

News Sentiment

Financial Institutions has a news sentiment score of 1.53. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Financial Institutions this week, compared to 5 articles on an average week.

Search Interest

Only 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.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Financial Institutions insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 2.68% of the stock of Financial Institutions is held by insiders.

Percentage Held by Institutions

60.45% of the stock of Financial Institutions is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

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 stock has increased by 1.1% and is now trading at $27.58.

How were Financial Institutions' earnings last quarter?

Financial Institutions, Inc. (NASDAQ:FISI) issued its quarterly earnings data on Thursday, July, 24th. The bank reported $0.85 EPS for the quarter, topping analysts' consensus estimates of $0.78 by $0.07. The bank had revenue of $59.74 million for 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.

Who are Financial Institutions' major shareholders?

Financial Institutions' top institutional shareholders include PL Capital Advisors LLC (6.77%), Fourthstone LLC (4.21%), Adage Capital Partners GP L.L.C. (3.87%) and Geode Capital Management LLC (2.37%). 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

• Record date for 7/2 Dividend: 6/13/2025
• Ex-Dividend for 7/2 Dividend: 6/13/2025
• Dividend Payable: 7/02/2025
• Last Earnings: 7/24/2025
• Today: 9/04/2025
• Record date for 10/2 Dividend: 9/15/2025
• Ex-Dividend for 10/2 Dividend: 9/15/2025
• Dividend Payable: 10/02/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FISI
• CIK: 862831
• Web: www.five-starbank.com
• Phone: (585) 786-1100
• Fax: 718-786-5254
• Employees: 620
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Financial Institutions: $33.00
• High Price Target: $34.00
• Low Price Target: $32.00
• Potential Upside/Downside: +19.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): ($1.52)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 8.35
• P/E Growth: N/A
• Net Income: -$41.65 million
• Net Margins: -4.96%
• Pretax Margin: -16.31%
• Return on Equity: 10.44%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $366.61 million
• Price / Sales: 1.51
• Cash Flow: $3.86 per share
• Price / Cash Flow: 7.13
• Book Value: $29.03 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 20,130,000
• Free Float: 19,591,000
• Market Cap: $554.58 million
• Optionable: Optionable
• Beta: 0.74