NASDAQ:FISI Financial Institutions (FISI) Stock Price, News & Analysis $39.35 -0.80 (-1.99%) Closing price 04:00 PM EasternExtended Trading$39.57 +0.22 (+0.57%) As of 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 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$39.10▼$40.2050-Day Range$38.45▼$41.7052-Week Range$28.21▼$42.97Volume177,137 shsAverage Volume145,349 shsMarket Capitalization$775.43 millionP/E Ratio9.76Dividend Yield3.25%Price Target$45.00Consensus RatingModerate Buy Company Overview Financial Institutions, Inc. (NASDAQ:FISI) is a diversified financial services company headquartered in Warsaw, New York. Through its principal banking subsidiary, Five Star Bank, the company provides community banking services to individuals, families, businesses and public-sector organizations. Five Star Bank offers deposit accounts, residential and commercial real estate lending, consumer loans, business financing, cash-management services and other traditional banking products. The company also provides wealth management, investment advisory and retirement-plan administration services through specialized subsidiaries, including Courier Capital and Benefit Plan Administrative Services. Financial Institutions serves customers primarily across communities in upstate New York, with related financial services available in additional markets. Five Star Bank traces its history to the early 19th century and has grown from a local banking institution into a broader regional financial services organization.AI Generated. May Contain Errors. Read More Financial Institutions Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks73rd Percentile Overall ScoreFISI MarketRank™: 3.672589495685 of 5 starsFinancial Institutions scored higher than 73% of companies evaluated by MarketBeat, and ranked 438th out of 859 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.8 / 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 14.2% upside from its current price of $39.42.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 Growth3.33% Earnings GrowthEarnings 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 MarketThe P/E ratio of Financial Institutions is 9.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.02.Price to Earnings Ratio vs. SectorThe P/E ratio of Financial Institutions is 9.78, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.19.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 Shorted3.86% 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 7.24.Change versus previous monthShort interest in Financial Institutions has recently decreased by 6.62%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldFinancial Institutions pays a meaningful dividend of 3.13%, 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 Media2.1 / 5News Sentiment0.39 News SentimentFinancial Institutions has a news sentiment score of 0.39. 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 lower news sentiment than the 0.67 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 14 news articles for Financial Institutions this week, compared to 3 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. 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. By 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: Despite Disappointing Q3, The Big Picture Is Still CompellingNovember 1 at 11:10 AM | seekingalpha.comFinancial Institutions: Despite Disappointing Q3, The Big Picture Is Still CompellingNovember 1 at 11:00 AM | seekingalpha.comCigar Lake Flooded Again Uranium Supply Shock RepeatsIn 2006, a flooded mine at Cigar Lake sent uranium prices from the 50 range to 136 in eight months. This past May, flooding hit the same complex again, and in July Cigar Lake went down a second time, disrupting the world's largest high-grade uranium mine. Gerardo Del Real calls this the Third Convergence Event and has backed three small companies positioned in front of it.November 3 at 1:00 AM | Digest Publishing (Ad)Financial Institutions (FISI) Stock Caught Between Q3 Earnings And Funding CostsOctober 31 at 2:48 PM | finance.yahoo.comFinancial Institutions, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2026October 30, 2026 | marketscreener.comMFISI Q3 2026 Earnings Call TranscriptOctober 30, 2026 | finance.yahoo.comFinancial Institutions, Inc. (FISI) Q3 2026 Earnings Call TranscriptOctober 30, 2026 | seekingalpha.comFinancial Institutions Q3 2026 Earnings Call TranscriptOctober 30, 2026 | benzinga.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 beginning of the year. Since then, FISI shares have increased by 26.5% and is now trading at $39.4150. How were Financial Institutions' earnings last quarter? Financial Institutions, Inc. (NASDAQ:FISI) announced its quarterly earnings data on Thursday, October, 29th. The bank reported $0.99 earnings per share (EPS) 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 21.78% and a trailing twelve-month return on equity of 13.45%. 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 authorizes the company to repurchase $1 million in 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 often a sign that the company's board believes its stock is undervalued. Who are Financial Institutions' major shareholders? Top institutional shareholders of Financial Institutions include Canandaigua National Bank & Trust Co. (0.76%), Inspire Investing LLC (0.31%), Commonwealth Equity Services LLC (0.29%) and Alps Advisors Inc. (0.07%). 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 Earnings10/29/2026Today11/03/2026Fiscal 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+14.4%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$4.03 Trailing P/E Ratio9.76 Forward P/E Ratio9.05 P/E GrowthN/ANet Income$74.87 million Net Margins21.78% Pretax Margin26.28% Return on Equity13.45% Return on Assets1.31% Debt Debt-to-Equity Ratio0.13 Current Ratio0.88 Quick Ratio0.88 Sales & Book Value Annual Sales$255.58 million Price / Sales3.03 Cash Flow$3.66 per share Price / Cash Flow10.75 Book Value$30.38 per share Price / Book1.30Miscellaneous Outstanding Shares19,706,000Free Float19,225,000Market Cap$775.43 million OptionableOptionable Beta0.62 Social Links 10 Best Stocks to Own in Fall 2026AI spending is reshaping the market, and the opportunity extends far beyond the biggest chipmakers. Discover 10 stocks set to benefit from powerful trends in AI infrastructure, cloud computing, energy, capital returns, and consumer growth this fall.Get This Free Report This page (NASDAQ:FISI) was last updated on 11/3/2026 by MarketBeat.com Staff. From Our PartnersI'm handing you this one freeElon Musk doesn't own the chip powering every Tesla, every Starlink dish, and every AI satellite he builds, he...Behind the Markets | SponsoredMy public warning after 55 years of watching the marketsDr. Martin D. Weiss has publicly predicted six major American market crashes over his 55-year career, each war...Weiss Ratings | SponsoredDon't lose access to thisIan Cooper is giving away his guide, The Simple Path To Success With Options, before it moves behind a paywall...TradeWins | SponsoredU.S. Army Advances 75-Year Rare Earth Deal With Nasdaq FirmThe Pentagon is moving to cut US dependence on Chinese rare earth metals, and a Nasdaq-listed company just sig...The Tomorrow Investor | SponsoredThe investigation Porter spent tens of thousands to documentPorter Stansberry flew the Porter and Co. team 3,300 miles to Dublin to investigate a 17-year investing experi...Porter & Company | SponsoredBank of America: 'Digital Dollar Inevitable'Bank of America just revealed your expiration date. In their Bloomberg interview, they didn't just predict the...Decentralized Masters | SponsoredThe 401k Email 70 Million Investors Might DeleteAn email announcing a new 401k investment option is headed to roughly 70 million inboxes. Most recipients will...Brownstone Research | SponsoredCigar Lake Flooded Again Uranium Supply Shock RepeatsIn 2006, a flooded mine at Cigar Lake sent uranium prices from the 50 range to 136 in eight months. This pa...Digest Publishing | 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. Unlock superior investment research and tools. Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools and reports. Get MarketBeat All Access 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 Email Me a Login Link 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.
