Financial Institutions (FISI) Stock Overview
Through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for FISI from our risk checks.
FISI Community Fair Values
Create NarrativeSee what 30 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Financial Institutions, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$34.03 |
| 52 Week High | US$35.67 |
| 52 Week Low | US$24.41 |
| Beta | 0.65 |
| 1 Month Change | 7.32% |
| 3 Month Change | 3.31% |
| 1 Year Change | 33.24% |
| 3 Year Change | 125.51% |
| 5 Year Change | 4.07% |
| Change since IPO | 126.87% |
Recent News & Updates
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.Recent updates
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
Feb 20FISI: 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
Mar 11
Financial Institutions, Inc.: Time For A Downgrade
Feb 09Financial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally
Oct 31
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
Aug 12Should Shareholders Reconsider Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Compensation Package?
May 30Financial Institutions (NASDAQ:FISI) Is Due To Pay A Dividend Of $0.30
May 26Financial Institutions: Dividend Yield Over 6%, High Potential Price Upside
May 13Shareholder Returns
| FISI | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.4% | -1.0% | -0.2% |
| 1Y | 33.2% | 29.9% | 27.6% |
Return vs Industry: FISI exceeded the US Banks industry which returned 30.7% over the past year.
Return vs Market: FISI exceeded the US Market which returned 29.1% over the past year.
Price Volatility
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 3.5% |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: FISI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: FISI's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1817 | 631 | Marty Birmingham | financialinstitutionsinc.q4ir.com/overview/default.aspx |
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans.
Financial Institutions, Inc. Fundamentals Summary
| FISI fundamental statistics | |
|---|---|
| Market cap | US$670.31m |
| Earnings (TTM) | US$77.52m |
| Revenue (TTM) | US$239.43m |
Is FISI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FISI income statement (TTM) | |
|---|---|
| Revenue | US$239.43m |
| Cost of Revenue | US$0 |
| Gross Profit | US$239.43m |
| Other Expenses | US$161.92m |
| Earnings | US$77.52m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.94 |
| Gross Margin | 100.00% |
| Net Profit Margin | 32.38% |
| Debt/Equity Ratio | 30.5% |
How did FISI perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 09:57 |
| End of Day Share Price | 2026/04/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Financial Institutions, Inc. is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Richard Weiss | Brean Capital Historical (Janney Montgomery) |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Manuel Navas | Piper Sandler Companies |