Financial Institutions (FISI) Aktievy
Financial Institutions, Inc. erbjuder genom sina dotterbolag bank- och finanstjänster till privatpersoner, företag och kommuner i New York. Mer information
| Snöflinga Score | |
|---|---|
| Värdering | 5/6 |
| Framtida tillväxt | 0/6 |
| Tidigare resultat | 2/6 |
| Finansiell hälsa | 6/6 |
| Utdelningar | 4/6 |
Belöningar
Riskanalys
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FISI Community Fair Values
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Analyst Price Targets
Financial Institutions, Inc. Konkurrenter
Prishistorik och prestanda
| Historiska aktiekurser | |
|---|---|
| Aktuell aktiekurs | US$40.79 |
| 52 veckors högsta | US$42.97 |
| 52 veckors lägsta | US$25.61 |
| Beta | 0.64 |
| 1 månads förändring | -2.04% |
| 3 månaders förändring | 7.63% |
| 1 års förändring | 49.74% |
| 3 års förändring | 137.01% |
| 5 års förändring | 40.80% |
| Förändring sedan börsintroduktionen | 171.93% |
Senaste nyheter och uppdateringar
Uppdatering av berättelse • 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 AlphaRecent updates
Uppdatering av berättelse • 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 AlphaUppdatering av berättelse • 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.Analysartikel • 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...Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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).Analysartikel • 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 AlphaSeeking 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
Ny berättelse • 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 AlphaAnalysartikel • 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...Analysartikel • 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 AlphaAktieägarnas avkastning
| FISI | US Banks | US Marknad | |
|---|---|---|---|
| 7D | -0.9% | -0.3% | -0.2% |
| 1Y | 49.7% | 18.7% | 14.8% |
Avkastning vs industri: FISI översteg US Banks branschen som gav 18.7 % under det senaste året.
Avkastning vs Marknaden: FISI översteg US marknaden som gav 14.8 % under det senaste året.
Prisvolatilitet
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 3.1% |
| Banks Industry Average Movement | 3.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.5% |
| 10% least volatile stocks in US Market | 2.9% |
Stabil aktiekurs: FISI har inte haft någon betydande prisvolatilitet under de senaste 3 månaderna jämfört med marknaden för US.
Volatilitet över tid: FISI s veckovolatilitet ( 3% ) har varit stabil under det senaste året.
Om företaget
| Grundad | Anställda | VD OCH KONCERNCHEF | Webbplats |
|---|---|---|---|
| 1817 | 631 | Marty Birmingham | www.five-starbank.com |
Financial Institutions, Inc. tillhandahåller genom sina dotterbolag bank- och finansiella tjänster till privatpersoner, företag och kommuner i New York. Företaget erbjuder check- och sparkontoprogram, inklusive penningmarknadskonton, inlåningscertifikat, sweep-investeringar och individuella pensionskonton och andra kvalificerade plankonton samt NOW-konton. Det erbjuder också kommersiella låneprodukter inklusive terminslån och kreditlinjer; kort- och medelfristiga kommersiella lån för rörelsekapital, affärsexpansion och inköp av utrustning; kommersiella affärslån; kommersiella hypotekslån; en-till-fyra familjers bostadslån; bostadsförbättringslån, slutna bostadslån och bostadslån; och konsumentlån, såsom bil, säkrad avbetalning och andra säkrade och osäkrade personliga lån, samt fritidsfordon, båt, personliga lån och insättningskonto med säkerhetslån.
Financial Institutions, Inc. Sammanfattning av grunderna
| FISI grundläggande statistik | |
|---|---|
| Börsvärde | US$803.23m |
| Vinst(TTM) | US$81.17m |
| Intäkter(TTM) | US$243.46m |
9.9x
P/E-förhållande1.3x
P/B-förhållandeÄr FISI övervärderat?
Se Verkligt värde och värderingsanalysResultat & intäkter
| FISI resultaträkning (TTM) | |
|---|---|
| Intäkter | US$243.46m |
| Kostnad för intäkter | US$0 |
| Bruttovinst | US$243.46m |
| Övriga kostnader | US$162.30m |
| Intäkter | US$81.17m |
Senast redovisade vinst
Jun 30, 2026
Nästa vinstdatum
n/a
| Vinst per aktie (EPS) | 4.12 |
| Bruttomarginal | 100.00% |
| Nettovinstmarginal | 33.34% |
| Skuld/egenkapitalförhållande | 44.8% |
Hur har FISI utvecklats på lång sikt?
Se historisk utveckling och jämförelseUtdelningar
3.1%
Aktuell utdelningsavkastning31%
UtbetalningskvotGer FISI en tillförlitlig utdelning?
Se FISI utdelningshistorik och jämförelsetal| Financial Institutions datum för utdelning | |
|---|---|
| Ex utdelningsdag | Sep 15 2026 |
| Utbetalningsdag för utdelning | Oct 02 2026 |
| Dagar till Ex-utdelning | 4 days |
| Dagar till utdelningsdag | 21 days |
Ger FISI en tillförlitlig utdelning?
Se FISI utdelningshistorik och jämförelsetalFöretagsanalys och finansiella data Status
| Uppgifter | Senast uppdaterad (UTC-tid) |
|---|---|
| Analys av företag | 2026/09/10 13:19 |
| Aktiekurs vid dagens slut | 2026/09/09 00:00 |
| Intäkter | 2026/06/30 |
| Årlig intjäning | 2025/12/31 |
Datakällor
Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.
| Paket | Uppgifter | Tidsram | Exempel US-källa |
|---|---|---|---|
| Företagets finansiella ställning | 10 år |
| |
| Analytikernas konsensusuppskattningar | +3 år |
|
|
| Marknadspriser | 30 år |
| |
| Ägarskap | 10 år |
| |
| Förvaltning | 10 år |
| |
| Viktiga utvecklingstendenser | 10 år |
|
* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.
Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.
Analysmodell och snöflinga
Detaljer om analysmodellen som används för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och handledningar på Youtube.
Lär dig mer om det som utformade och byggde analysmodellen Simply Wall St.
Industri- och sektormått
Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.
Källor för analytiker
Financial Institutions, Inc. bevakas av 4 analytiker. 2 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.
| Analytiker | Institution |
|---|---|
| Richard Weiss | Brean Capital Historical (Janney Montgomery) |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Manuel Navas | Piper Sandler Companies |