Financial Institutions, Inc.

NasdaqGS:FISI 주식 리포트

시가총액: US$747.7m

Financial Institutions 향후 성장

Future 기준 점검 0/6

Financial Institutions은 연간 수입과 매출이 각각 2.8%와 6.7% 증가할 것으로 예상되고 EPS는 연간 4.4%만큼 증가할 것으로 예상됩니다.

핵심 정보

2.8%

이익 성장률

4.41%

EPS 성장률

Banks 이익 성장8.3%
매출 성장률6.7%
향후 자기자본이익률n/a
애널리스트 커버리지

Low

마지막 업데이트04 May 2026

최근 향후 성장 업데이트

Recent updates

내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
Seeking Alpha • Feb 20

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 Alpha
내러티브 업데이트 • 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.
내러티브 업데이트 • 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).
분석 기사 • 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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새로운 내러티브 • 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
분석 기사 • 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...
분석 기사 • 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

이익 및 매출 성장 예측

NasdaqGS:FISI - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
12/31/202727081N/AN/A2
12/31/202625979N/AN/A2
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
3/31/2020152374247N/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
6/30/201511327N/A34N/A

애널리스트 향후 성장 전망

수입 대 저축률: FISI 의 연간 예상 수익 증가율(2.8%)이 saving rate(3.5%) 미만입니다.

수익 vs 시장: FISI 의 연간 수익(2.8%)이 US 시장(18.5%)보다 느리게 성장할 것으로 예상됩니다.

고성장 수익: FISI 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: FISI 의 수익(연간 6.7%)이 US 시장(연간 12.7%)보다 느리게 성장할 것으로 예상됩니다.

고성장 매출: FISI 의 수익(연간 6.7%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: FISI의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/06/12 16:28
종가2026/06/12 00:00
수익2026/03/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

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분석가 소스

Financial Institutions, Inc.는 4명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

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