Financial Institutions (FISI) Aandelenoverzicht
Financial Institutions, Inc. verleent via haar dochterondernemingen bancaire en financiële diensten aan consumenten, commerciële en gemeentelijke klanten in New York. Meer informatie
| Sneeuwvlok Score | |
|---|---|
| Waardering | 5/6 |
| Toekomstige groei | 0/6 |
| Prestaties in het verleden | 2/6 |
| Financiële gezondheid | 6/6 |
| Dividenden | 4/6 |
Beloningen
Risicoanalyse
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FISI Community Fair Values
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Analyst Price Targets
Financial Institutions, Inc. Concurrenten
Prijsgeschiedenis en prestaties
| Historische aandelenkoersen | |
|---|---|
| Huidige aandelenkoers | US$38.72 |
| 52 Week Hoogtepunt | US$40.26 |
| 52 Week Laag | US$24.62 |
| Bèta | 0.65 |
| 1 maand verandering | 3.14% |
| 3 maanden verandering | 13.72% |
| 1 Jaar Verandering | 41.99% |
| 3 jaar verandering | 136.82% |
| 5 jaar verandering | 30.28% |
| Verandering sinds IPO | 158.13% |
Recent nieuws en updates
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.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.Recent updates
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.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 voor aandeelhouders
| FISI | US Banks | US Markt | |
|---|---|---|---|
| 7D | -0.8% | -1.6% | -0.4% |
| 1Y | 42.0% | 20.2% | 18.4% |
Rendement versus industrie: FISI overtrof de US Banks industrie, die het afgelopen jaar een rendement 20.2 % opleverde.
Rendement versus markt: FISI overtrof de US markt, die het afgelopen jaar een rendement opleverde van 18.4 %.
Prijsvolatiliteit
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Stabiele aandelenkoers: FISI heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de US markt.
Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 3% ) van FISI is het afgelopen jaar stabiel geweest.
Over het bedrijf
| Opgericht | Werknemers | CEO | Website |
|---|---|---|---|
| 1817 | 631 | Marty Birmingham | www.five-starbank.com |
Financial Institutions, Inc. levert via haar dochterondernemingen bancaire en financiële diensten aan consumenten, bedrijven en gemeenten in New York. Het bedrijf biedt betaal- en spaarrekeningprogramma's, waaronder geldmarktrekeningen, depositocertificaten, sweep investments en individuele pensioen- en andere gekwalificeerde planrekeningen, evenals NOW-rekeningen. Het bedrijf biedt ook commerciële leenproducten aan, waaronder termijnleningen en kredietlijnen; commerciële leningen op korte en middellange termijn voor werkkapitaal, bedrijfsuitbreiding en de aankoop van apparatuur; commerciële bedrijfsleningen; commerciële hypothecaire leningen; hypothecaire leningen voor woningen van één tot vier gezinnen; leningen voor woningverbetering, woninghypotheken met vast kapitaal en woninghypothecaire kredietlijnen; en consumentenleningen, zoals leningen voor auto's, gedekte leningen op afbetaling en andere gedekte en ongedekte persoonlijke leningen, evenals leningen voor recreatievoertuigen, boten, persoonlijke leningen en leningen op onderpand van depositorekeningen.
Financial Institutions, Inc. Samenvatting
| FISI fundamentele statistieken | |
|---|---|
| Marktkapitalisatie | US$740.99m |
| Inkomsten(TTM) | US$77.52m |
| Inkomsten(TTM) | US$239.43m |
Is FISI overgewaardeerd?
Zie Reële waarde en waarderingsanalyseInkomsten en omzet
| FISI resultatenrekening (TTM) | |
|---|---|
| Inkomsten | US$239.43m |
| Kosten van inkomsten | US$0 |
| Brutowinst | US$239.43m |
| Overige uitgaven | US$161.92m |
| Inkomsten | US$77.52m |
Laatst gerapporteerde inkomsten
Mar 31, 2026
Volgende inkomensdatum
Jul 23, 2026
| Winst per aandeel (EPS) | 3.94 |
| Brutomarge | 100.00% |
| Nettowinstmarge | 32.38% |
| Schuld/Eigen Vermogen Verhouding | 34.6% |
Hoe presteerde FISI op de lange termijn?
Bekijk historische prestaties en vergelijkingDividenden
Bedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/07/09 22:12 |
| Aandelenkoers aan het einde van de dag | 2026/07/09 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
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| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
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| Belangrijkste ontwikkelingen | 10 jaar |
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* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
Financial Institutions, Inc. wordt gevolgd door 4 analisten. 2 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Richard Weiss | Brean Capital Historical (Janney Montgomery) |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Manuel Navas | Piper Sandler Companies |