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 | 3/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
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Financial Institutions, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$25.58 |
| 52 Week High | US$29.79 |
| 52 Week Low | US$16.81 |
| Beta | 0.72 |
| 1 Month Change | 9.83% |
| 3 Month Change | -10.75% |
| 1 Year Change | 41.40% |
| 3 Year Change | -7.69% |
| 5 Year Change | 40.24% |
| Change since IPO | 70.53% |
Recent News & Updates
Recent updates
Financial Institutions: The Picture Looks Better Now (Rating Upgrade)
May 18Financial 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 13Financial Institutions (NASDAQ:FISI) Is Increasing Its Dividend To $0.30
Feb 24Financial Institutions Is Very Cheap, But Now Is Not The Right Time To Buy
Sep 23Shareholder Returns
| FISI | US Banks | US Market | |
|---|---|---|---|
| 7D | -5.9% | -3.2% | -1.4% |
| 1Y | 41.4% | 19.3% | 10.5% |
Return vs Industry: FISI exceeded the US Banks industry which returned 17.2% over the past year.
Return vs Market: FISI exceeded the US Market which returned 9.1% over the past year.
Price Volatility
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 5.3% |
| Banks Industry Average Movement | 4.7% |
| Market Average Movement | 8.0% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 4.1% |
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 (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1817 | 598 | 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 include 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, and deposit account collateralized loans.
Financial Institutions, Inc. Fundamentals Summary
| FISI fundamental statistics | |
|---|---|
| Market cap | US$520.64m |
| Earnings (TTM) | -US$28.30m |
| Revenue (TTM) | US$108.63m |
Is FISI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FISI income statement (TTM) | |
|---|---|
| Revenue | US$108.63m |
| Cost of Revenue | US$0 |
| Gross Profit | US$108.63m |
| Other Expenses | US$136.93m |
| Earnings | -US$28.30m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | -1.41 |
| Gross Margin | 100.00% |
| Net Profit Margin | -26.05% |
| Debt/Equity Ratio | 36.2% |
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 | 2025/05/22 06:21 |
| End of Day Share Price | 2025/05/22 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
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.
Learn about the world class team who designed and built the Simply Wall St analysis model.
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 5 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 | Janney Montgomery Scott LLC |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Frank Schiraldi | Piper Sandler Companies |