Financial Institutions, Inc.

Report azionario NasdaqGS:FISI

Capitalizzazione di mercato: US$803.8m

Financial Institutions Crescita futura

Criteri Future verificati 0/6

Si prevede che Financial Institutions aumenterà gli utili e i ricavi rispettivamente del 3.2% e 7.2% all'anno, mentre si prevede che l'EPS crescerà del 3.3% all'anno.

Informazioni chiave

3.2%

Tasso di crescita degli utili

3.33%

Tasso di crescita dell'EPS

Banks crescita degli utili7.0%
Tasso di crescita dei ricavi7.2%
Rendimento futuro del capitale proprion/a
Copertura analitica

Low

Ultimo aggiornamento02 Aug 2026

Aggiornamenti recenti sulla crescita futura

Articolo di analisi • Jul 26

Financial Institutions, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Investors in Financial Institutions, Inc. ( NASDAQ:FISI ) had a good week, as its shares rose 3.3% to close at US$40.62...

Recent updates

Aggiornamento narrativa • Aug 17

FISI: Future Returns Will Reflect Stable Credit Trends And Revised Expectations

Analysts recently raised their price target on Financial Institutions to $45 from $42, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E. What's in the News for Financial Institutions Financial Institutions provided an update on its share repurchase program.
Seeking Alpha • Aug 16

Financial Institutions: Still A Cautious Buy With Improved Outlook

Summary Financial Institutions, Inc. remains a Buy, supported by improved profitability, stronger capital ratios, and positive FY 2026 guidance revisions. FISI's net interest margin rose to 3.70% in Q2 2026, driven by lower funding costs and anticipated higher-yielding loan replacements. Asset quality is stable but requires monitoring, particularly in nonperforming loans and consumer indirect auto loan exposure. FISI trades at a forward PE below 10 and a 1.45x price to tangible book, offering attractive valuation with a 3.06% forward yield. Read the full article on Seeking Alpha
Aggiornamento narrativa • Aug 03

FISI: Future Returns Will Reflect Stable Execution And Revised Street Expectations

Analysts have raised the fair value estimate for Financial Institutions from $38.50 to $41.50, in line with a recent increase in the Street price target to $45, reflecting updated assumptions on revenue growth, profit margins and future P/E expectations. What’s in the News for Financial Institutions Financial Institutions, Inc.
Articolo di analisi • Jul 26

Financial Institutions, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Investors in Financial Institutions, Inc. ( NASDAQ:FISI ) had a good week, as its shares rose 3.3% to close at US$40.62...
Aggiornamento narrativa • Jun 19

FISI: Future Returns Will Reflect Stable Execution And Completed Buyback Support

Analysts have raised their price target on Financial Institutions stock by $1 to reflect updated views on the company’s valuation, citing recent Street research as support for the change. What’s in the News for Financial Institutions Financial Institutions completed its previously announced share repurchase program, buying back a total of 500,066 shares for $15.91 million under the authorization announced on September 22, 2025.
Aggiornamento narrativa • Jun 02

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.
Aggiornamento narrativa • May 14

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.
Aggiornamento narrativa • Apr 28

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.
Aggiornamento narrativa • Apr 13

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.
Aggiornamento narrativa • Mar 29

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.
Aggiornamento narrativa • Mar 15

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.
Aggiornamento narrativa • Mar 01

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.
Aggiornamento narrativa • Feb 15

FISI: 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.
Aggiornamento narrativa • Feb 01

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).
Articolo di analisi • Mar 11

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...
Seeking Alpha • Feb 09

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 Alpha
Seeking Alpha • Oct 31

Financial 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
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Nuova narrativa • Sep 24

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.
Seeking Alpha • Aug 12

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 Alpha
Articolo di analisi • May 30

Should 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...
Articolo di analisi • May 26

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...
Seeking Alpha • May 13

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 Alpha

Previsioni di crescita degli utili e dei ricavi

NasdaqGS:FISI - Stime future degli analisti e dati finanziari passati (USD Millions )
DataRicaviUtiliFlusso di cassa liberoLiquidità dell'operazioneAvg. Numero di analisti
12/31/202727385N/AN/A2
12/31/202626184N/AN/A2
6/30/2026243815661N/A
3/31/2026239782732N/A
12/31/2025233731319N/A
9/30/2025117-292124N/A
6/30/2025103-362833N/A
3/31/2025109-287075N/A
12/31/2024111-437277N/A
9/30/202421749-32N/A
6/30/2024221504044N/A
3/31/2024208391317N/A
12/31/202320049811N/A
9/30/2023198517075N/A
6/30/2023198516167N/A
3/31/2023200528896N/A
12/31/202220055125134N/A
9/30/202220663144151N/A
6/30/202220666117124N/A
3/31/2022206718797N/A
12/31/2021210766473N/A
9/30/2021198705363N/A
6/30/2021191665664N/A
3/31/2021179565659N/A
12/31/2020155373943N/A
9/30/2020153363337N/A
6/30/2020152373439N/A
3/31/202015237N/A47N/A
12/31/201916247N/A58N/A
9/30/201916042N/A55N/A
6/30/201915540N/A64N/A
3/31/201915440N/A63N/A
12/31/201815038N/A65N/A
9/30/201814842N/A62N/A
6/30/201814339N/A54N/A
3/31/201813633N/A56N/A
12/31/201713332N/A46N/A
9/30/201712930N/A45N/A
6/30/201712830N/A46N/A
3/31/201712831N/A37N/A
12/31/201612730N/A47N/A
9/30/201612528N/A45N/A
6/30/201612328N/A44N/A
3/31/201611928N/A42N/A
12/31/201511727N/A43N/A
9/30/201511528N/A32N/A

Previsioni di crescita futura degli analisti

Guadagni vs tasso di risparmio: La crescita prevista degli utili di FISI ( 3.2% all'anno) è inferiore al tasso di risparmio ( 3.7% ).

Guadagni vs Mercato: Si prevede che gli utili di FISI ( 3.2% all'anno) cresceranno più lentamente rispetto al mercato US ( 16.9% all'anno).

Guadagni ad alta crescita: Si prevede che gli utili di FISI cresceranno, ma non in modo significativo.

Ricavi vs Mercato: Si prevede che il fatturato di FISI ( 7.2% all'anno) crescerà più lentamente rispetto al mercato US ( 12.9% all'anno).

Ricavi ad alta crescita: Si prevede che il fatturato di FISI ( 7.2% all'anno) crescerà più lentamente di 20% all'anno.

Previsioni di crescita dell'utile per azione

Rendimento futuro del capitale proprio

ROE futuro: Dati insufficienti per determinare se il Return on Equity di FISI è previsto essere elevato tra 3 anni

Scoprire le aziende in crescita

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1Y

7D

1Y

7D

1Y

Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/08/21 05:47
Prezzo dell'azione a fine giornata2026/08/21 00:00
Utili2026/06/30
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Financial Institutions, Inc. è coperta da 4 analisti. 2 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
Richard WeissBrean Capital Historical (Janney Montgomery)
Damon DelMonteKeefe, Bruyette, & Woods
Manuel NavasPiper Sandler Companies