Financial Institutions, Inc.
FISI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $820.9M
$41.70
▲ +1.26%
P/E
10.30
Mkt Cap
$820.9M
52-Wk Range
$25.61–$42.97
52-Week Range
$25.61 - $42.97
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 50.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Deep regional roots with 200+ year operating history in upstate New York
- Extensive branch network of 48 offices across 16 counties providing local market presence
- Diversified revenue streams reducing dependence on net interest margin alone
- Integrated financial services model enabling cross-selling and customer retention
- Established customer relationships in underserved rural and mid-sized markets
Bear Case
1 risk
- Low volatility (beta 0.6).
Growth
Moderate growth ahead
Expansion of commercial and agricultural lending in growing upstate New York markets
Value
Attractively priced below Commercial Banking peer average
Momentum
Strong
+11.9% over 3m
Quality
Strong
Excellent business quality
Dividend
Solid
3.02% yield
Smart-money signal
Who's buying FISI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $1.04 vs $0.93 consensus (+11.8% surprise). Revenue of $64.3M vs $63.5M expected (+1.2%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+11.8%
Revenue trend · last 8Q
—
-125%
+12%
-8%
+28%
—
+1%
-176%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$49.7M
-$13.8M
$91.0M
$93.2M
$96.3M
$96.6M
$92.2M
-$70.6M
Margins · last 8Q
Gross
85.6%
Operating
35.2%
Profit
—
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 3, 2026
vs Industry
How FISI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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