Financial Institutions (FISI) Aperçu de l'action
Financial Institutions, Inc. fournit, par l'intermédiaire de ses filiales, des services bancaires et financiers aux consommateurs, aux entreprises et aux municipalités de New York. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 5/6 |
| Croissance future | 0/6 |
| Performances passées | 2/6 |
| Santé financière | 6/6 |
| Dividendes | 4/6 |
Récompenses
Analyse des risques
Aucun risque n'a été détecté pour FISI à partir de nos contrôles de risques.
FISI Community Fair Values
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Analyst Price Targets
Financial Institutions, Inc. Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$37.27 |
| Plus haut sur 52 semaines | US$37.85 |
| Plus bas sur 52 semaines | US$24.41 |
| Bêta | 0.67 |
| Variation sur 1 mois | 5.25% |
| Variation sur 3 mois | 21.16% |
| Variation sur 1 an | 43.07% |
| Variation sur 3 ans | 121.19% |
| Variation sur 5 ans | 19.72% |
| Évolution depuis l'introduction en bourse | 148.47% |
Nouvelles et mises à jour récentes
FISI: Future Returns Will Reflect Steady Execution And Ongoing Buyback Support
Analysts have nudged their 12 month price target for Financial Institutions to $39, a $1 increase. They cite updated Street research that refines assumptions around fair value, discount rate, revenue growth, profit margin and future P/E without materially changing the overall valuation framework.FISI: Future Returns Will Reflect Steady Execution And Supportive Capital Management
Analysts have raised their price target on Financial Institutions by $1 to $38.50, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. Analyst Commentary Recent research points to a modestly higher fair value for Financial Institutions, with the price target adjusted by $1 to $38.50.FISI: Future Returns Will Reflect Stable Capital Returns And Credit Cost Discipline
Analysts have raised their 12‑month price target for Financial Institutions by $0.50 to reflect slightly adjusted fair value, discount rate and P/E assumptions following recent research updates from Keefe Bruyette and Piper Sandler. Analyst Commentary Bullish Takeaways Bullish analysts see the higher price targets as consistent with their updated fair value work, suggesting the recent research inputs support the current valuation framework rather than forcing a major reset.Recent updates
FISI: Future Returns Will Reflect Steady Execution And Ongoing Buyback Support
Analysts have nudged their 12 month price target for Financial Institutions to $39, a $1 increase. They cite updated Street research that refines assumptions around fair value, discount rate, revenue growth, profit margin and future P/E without materially changing the overall valuation framework.FISI: Future Returns Will Reflect Steady Execution And Supportive Capital Management
Analysts have raised their price target on Financial Institutions by $1 to $38.50, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. Analyst Commentary Recent research points to a modestly higher fair value for Financial Institutions, with the price target adjusted by $1 to $38.50.FISI: Future Returns Will Reflect Stable Capital Returns And Credit Cost Discipline
Analysts have raised their 12‑month price target for Financial Institutions by $0.50 to reflect slightly adjusted fair value, discount rate and P/E assumptions following recent research updates from Keefe Bruyette and Piper Sandler. Analyst Commentary Bullish Takeaways Bullish analysts see the higher price targets as consistent with their updated fair value work, suggesting the recent research inputs support the current valuation framework rather than forcing a major reset.FISI: Future Returns Will Balance Higher Capital Returns And Credit Cost Discipline
Analysts recently raised their blended price target for Financial Institutions by $6, supported by updated views on fair value, discount rate, growth, margins, and future P/E assumptions as reflected in the latest research from major brokerages. Analyst Commentary Bullish Takeaways Bullish analysts view the latest price target increases of $4 and $2 as support for a higher fair value range, reflecting updated assumptions on earnings power and capital returns.FISI: Future Returns Will Reflect Higher Capital Returns And Stable Credit Costs
Narrative Update on Financial Institutions The Street price target for Financial Institutions has increased by $6 in total, as analysts reference updated fair value estimates and small adjustments to the discount rate, revenue growth, profit margin, and future P/E assumptions to support their revised views. Analyst Commentary Recent Street research on Financial Institutions centers on revised price targets that reflect refreshed fair value work and updated model inputs for growth, margins, and P/E assumptions.FISI: Future Returns Will Reflect Stable Credit Costs And Rising Capital Returns
Analysts have raised their price targets on Financial Institutions by $4 and $2, reflecting updated assumptions for the discount rate, profit margin, and future P/E. These changes leave their overall fair value estimate broadly unchanged at about $37.FISI: Future Returns Will Reflect Stable Credit Costs And Capital Deployment
Analysts have increased their price targets on Financial Institutions by $2 to $4, citing stable fair value estimates supported by steady assumptions for the discount rate, revenue growth, profit margin, and future P/E. Analyst Commentary Recent research points to a tighter range of fair value outcomes for Financial Institutions, with updated price targets framed around consistent assumptions for discount rates, revenue growth, profit margins, and future P/E.Financial Institutions, Inc.: Back On Track After A Challenging Year
Summary Financial Institutions, Inc. rebounded after a challenging 2024 marked by restructuring and significant losses. The company's return on assets reached 1.27% in Q4 2025, and return on equity came in at an impressive 12.53%. After ending 2024 at $24.45, tangible book value per share for FISI rose to $27.84 at the end of 2025, a 13.9% improvement. I assign FISI a cautious Buy rating, recognizing improved fundamentals but remaining attentive to operational risks ahead. Read the full article on Seeking AlphaFISI: Future Returns Will Reflect Calibrated Expectations For Credit Costs And Capital Decisions
Narrative Update on Financial Institutions Analysts lifted their price target on Financial Institutions by $1, reflecting refreshed assumptions on fair value, discount rate, revenue growth, profit margin and future P/E. This was supported by recent research updates from firms that raised their targets by $4 and $2.FISI: Future Returns Will Balance Subordinated Debt Costs And Credit Trends
Analysts now see fair value at $36.00 versus $34.00 previously, reflecting updated assumptions on discount rates, revenue growth, profit margins, and future P/E levels for financial institutions. What's in the News Reported fourth quarter 2025 net charge offs of $2.4 million, equal to 0.21% of average loans on an annualized basis, compared with $2.1 million or 0.18% in the third quarter of 2025 and $2.8 million or 0.25% in the fourth quarter of 2024 (Key Developments).Financial Institutions (NASDAQ:FISI) Has Announced That It Will Be Increasing Its Dividend To $0.31
Financial Institutions, Inc. ( NASDAQ:FISI ) will increase its dividend from last year's comparable payment on the 2nd...Financial Institutions, Inc.: Time For A Downgrade
Summary Financial Institutions' stock has outperformed the market, but recent valuation and mixed financial performance prompt a downgrade to 'hold'. The company's restructuring efforts improved long-term income potential, but short-term losses and declining deposits are concerns. Despite affordable price-to-book ratios, the price-to-earnings multiple is higher than preferred, reducing the margin of safety. Asset quality and return metrics are decent but not exceptional, making it prudent to adopt a cautious stance. Read the full article on Seeking AlphaFinancial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally
Summary Loan growth will likely remain subdued as rate cuts will lift demand, but lackluster economic activity will dampen the demand for credit products. A large chunk of low-yielding loans and securities are scheduled to mature soon. Reinvestment will lift the margin. Financial Institutions is offering a dividend yield of 4.9% with an implied payout ratio of only 37%. The December 2025 target price suggests a double-digit price upside from the October 29 closing price. Read the full article on Seeking Alpha
Fraud Incident And Divestitures Threaten Financial Stability Amid Modest Growth Projections
Recent deposit-related fraud and divestiture of SDN Insurance Agency indicate financial vulnerabilities and potential impacts on diversification and revenue growth.Financial Institutions Offers Some Additional Upside From Here
Summary Financial Institutions stock has surged 49.9% since November 2023, outperforming the S&P 500. Despite this surge, shares still look cheap, both relative to earnings and book value. While it's not the best prospect out there, these qualities do make it generally appealing. Read the full article on Seeking AlphaShould Shareholders Reconsider Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Compensation Package?
Key Insights Financial Institutions' Annual General Meeting to take place on 5th of June Total pay for CEO Marty...Financial Institutions (NASDAQ:FISI) Is Due To Pay A Dividend Of $0.30
Financial Institutions, Inc. ( NASDAQ:FISI ) has announced that it will pay a dividend of $0.30 per share on the 2nd of...Financial Institutions: Dividend Yield Over 6%, High Potential Price Upside
Summary Earnings will be lower this year relative to last year because of the fraudulent activity reported in 1Q. After a disappointing 1Q performance, loan growth will bounce back thanks to the sale of the insurance business as well as regional economic strength. The margin will likely turn around, but the average for 2024 will still be lower than the average for 2023. The December 2024 target price suggests a high expected price upside of 21%. FISI is offering a dividend yield of 6.4%, at an implied payout ratio of 49%. Read the full article on Seeking AlphaRendement pour les actionnaires
| FISI | US Banks | US Marché | |
|---|---|---|---|
| 7D | 4.3% | 3.7% | -2.5% |
| 1Y | 43.1% | 21.0% | 22.7% |
Rendement vs Industrie: FISI a dépassé le secteur US Banks qui a rapporté 21 % au cours de l'année écoulée.
Rendement vs marché: FISI a dépassé le marché US qui a rapporté 22.7 % au cours de l'année écoulée.
Volatilité des prix
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 3.0% |
| Banks Industry Average Movement | 3.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
Cours de l'action stable: FISI n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de FISI ( 3% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 1817 | 631 | Marty Birmingham | www.five-starbank.com |
Financial Institutions, Inc. fournit, par l'intermédiaire de ses filiales, des services bancaires et financiers aux consommateurs, aux entreprises et aux municipalités de New York. La société propose des programmes de comptes chèques et de comptes d'épargne, y compris des comptes du marché monétaire, des certificats de dépôt, des investissements de trésorerie, des comptes de retraite individuels et d'autres comptes de plans qualifiés, ainsi que des comptes NOW. Elle propose également des produits de prêts commerciaux, notamment des prêts à terme et des lignes de crédit ; des prêts commerciaux à court et moyen terme pour les fonds de roulement, l'expansion de l'entreprise et l'achat d'équipement ; des prêts commerciaux aux entreprises ; des prêts hypothécaires commerciaux ; des prêts hypothécaires résidentiels pour une à quatre familles ; des prêts pour l'amélioration de l'habitat, des prêts sur fonds propres fermés et des lignes de crédit sur fonds propres ; et des prêts à la consommation, tels que des prêts automobiles, des prêts à tempérament garantis et d'autres prêts personnels garantis et non garantis, ainsi que des prêts pour les véhicules de loisirs, les bateaux, les prêts personnels et les prêts garantis par un compte de dépôt.
Financial Institutions, Inc. Résumé des fondamentaux
| FISI statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$730.56m |
| Bénéfices(TTM) | US$77.52m |
| Recettes(TTM) | US$239.43m |
Le site FISI est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| FISI compte de résultat (TTM) | |
|---|---|
| Recettes | US$239.43m |
| Coût des recettes | US$0 |
| Marge brute | US$239.43m |
| Autres dépenses | US$161.92m |
| Les revenus | US$77.52m |
Derniers bénéfices déclarés
Mar 31, 2026
Prochaine date de publication des résultats
s/o
| Résultat par action (EPS) | 3.94 |
| Marge brute | 100.00% |
| Marge bénéficiaire nette | 32.38% |
| Ratio dettes/capitaux propres | 34.6% |
Quelles ont été les performances à long terme de FISI?
Voir les performances historiques et les comparaisonsDividendes
Le site FISI verse-t-il des dividendes fiables ?
Voir FISI l'historique des dividendes et les indices de référence| Financial Institutions dates des dividendes | |
|---|---|
| Date ex-dividende | Jun 12 2026 |
| Date de paiement du dividende | Jul 02 2026 |
| Jours jusqu'au dividende Ex | 3 days |
| Jours jusqu'à la date de paiement du dividende | 23 days |
Le site FISI verse-t-il des dividendes fiables ?
Voir FISI l'historique des dividendes et les indices de référenceAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/08 00:54 |
| Cours de l'action en fin de journée | 2026/06/08 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
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| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
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* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Financial Institutions, Inc. est couverte par 4 analystes. 2 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Richard Weiss | Brean Capital Historical (Janney Montgomery) |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Manuel Navas | Piper Sandler Companies |