Financial Institutions (FISI) Stock Price, News & Analysis

Company Overview

Financial Institutions, Inc. (NASDAQ:FISI) is a financial services holding company headquartered in Western New York. Through its banking and wealth management subsidiaries, the company provides financial products and services to individuals, businesses, municipalities and nonprofit organizations.

Its principal subsidiary, Five Star Bank, offers consumer and commercial banking services, including deposit accounts, residential and commercial real estate lending, business loans, agricultural financing, personal loans, cash management and electronic banking. The bank serves customers through branches and digital banking channels in communities across Central and Western New York.

Financial Institutions, Inc. also provides investment management, trust and financial planning services through its wealth management operations, including Courier Capital. The company’s operations are primarily focused on New York State, with services designed to support individuals, families and businesses in the communities it serves.

Key Stats

• Today's Range: $39.62 to $40.35
• 50-Day Range: $38.98 to $42.70
• 52-Week Range: $25.61 to $42.97
• Volume: 118,709 shs
• Average Volume: 136,835 shs
• Market Capitalization: $787.85 million
• P/E Ratio: 9.92
• Dividend Yield: 3.20%
• Price Target: $45.00
• Consensus Rating: Moderate Buy

Financial Institutions Stock Analysis - MarketRank™

Financial Institutions scored higher than 64% of companies evaluated by MarketBeat, and ranked 487th out of 839 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: 2.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Financial Institutions has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Financial Institutions has a consensus price target of $45.00, representing about 12.6% upside from its current price of $39.98.

Amount of Analyst Coverage

Financial Institutions has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.33%

Earnings Growth

Earnings for Financial Institutions are expected to grow by 3.33% in the coming year, from $4.21 to $4.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Financial Institutions is 9.92, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Financial Institutions is 9.92, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.42.

Price to Book Value per Share Ratio

Financial Institutions has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.46% of the float of Financial Institutions has been sold short.

Short Interest Ratio / Days to Cover

Financial Institutions has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in Financial Institutions has recently increased by 19.91%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Financial Institutions pays a meaningful dividend of 3.24%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Financial Institutions is 31.76%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.69

News Sentiment

Financial Institutions has a news sentiment score of 0.69. 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 Week

MarketBeat has tracked 3 news articles for Financial Institutions this week, compared to 3 articles on an average week.

Search Interest

1 people have searched for FISI on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 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

2.44% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 10/2 Dividend: 9/15/2026
• Ex-Dividend for 10/2 Dividend: 9/15/2026
• Dividend Payable: 10/02/2026
• Today: 10/04/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FISI
• CIK: 862831
• Web: www.FISI-investors.com
• Phone: (585) 786-1100
• Fax: 718-786-5254
• Employees: 631
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Financial Institutions: $45.00
• High Price Target: $45.00
• Low Price Target: $45.00
• Potential Upside/Downside: +12.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.03
• Trailing P/E Ratio: 9.92
• Forward P/E Ratio: 9.50
• P/E Growth: N/A
• Net Income: $74.87 million
• Net Margins: 21.78%
• Pretax Margin: 26.28%
• Return on Equity: 13.45%
• Return on Assets: 1.31%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $254.18 million
• Price / Sales: 3.10
• Cash Flow: $3.79 per share
• Price / Cash Flow: 10.55
• Book Value: $30.38 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 19,706,000
• Free Float: 19,225,000
• Market Cap: $787.85 million
• Optionable: Optionable
• Beta: 0.62