FISI

Financial Institutions Inc

Jan 30 • 04:00PM ET

32.94

+0.01 0.03 %

Financial • Banks - Regional • USA • NASD

Jan 30, 12:37 PMFinancial Institutions Inc. boosts capital return plans as management announces a more than 3% quarterly dividend increase and a new share repurchase authorization for up to 5% of common shares on its Q4 2025 earnings call.

Peers: FNB GBCI UBSI WAFD HAFC RNST FFIC FULT OFG HWC

| Held by: VTI IWM VXF SMDV IWN KRE DFAT SCHA BSVO VTWO

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Index	RUT	P/E	9.13	EPS (ttm)	3.61	Insider Own	3.07%	Shs Outstand	19.80M	Perf Week	2.87%
Market Cap	663.10M	Forward P/E	8.03	EPS next Y	4.10	Insider Trans	0.00%	Shs Float	19.51M	Perf Month	5.07%
Enterprise Value	-	PEG	-	EPS next Q	0.90	Inst Own	80.92%	Short Float	2.26%	Perf Quarter	13.90%
Income	73.41M	P/S	1.77	EPS this Y	7.06%	Inst Trans	-1.88%	Short Ratio	3.59	Perf Half Y	29.23%
Sales	374.00M	P/B	-	EPS next Y	6.08%	ROA	1.21%	Short Interest	0.44M	Perf YTD	5.68%
Book/sh	-1.67	P/C	-	EPS next 5Y	-	ROE	27.94%	52W High	33.73 -2.34%	Perf Year	21.15%
Cash/sh	-	P/FCF	32.86	EPS past 3/5Y	0.44% 9.48%	ROIC	45.70%	52W Low	20.97 57.08%	Perf 3Y	38.11%
Dividend Est.	1.26 (3.84%)	EV/EBITDA	-	Sales past 3/5Y	16.07% 13.47%	Gross Margin	-	Volatility	2.25% 2.46%	Perf 5Y	35.72%
Dividend TTM	1.24 (3.76%)	EV/Sales	-	EPS Y/Y TTM	247.67%	Oper. Margin	24.07%	ATR (14)	0.79	Perf 10Y	24.11%
Dividend Ex-Date	Dec 15, 2025	Quick Ratio	-	Sales Y/Y TTM	41.97%	Profit Margin	19.63%	RSI (14)	58.88	Recom	2.00
Dividend Gr. 3/5Y	3.57% 3.71%	Current Ratio	0.06	EPS Q/Q	118.95%	SMA20	3.03%	Beta	0.72	Target Price	36.00
Payout	34.35%	Debt/Eq	-	Sales Q/Q	792.51%	SMA50	4.64%	Rel Volume	1.70	Prev Close	32.93
Employees	598	LT Debt/Eq	-	Earnings	Jan 29 AMC	SMA200	18.65%	Avg Volume	123.10K	Price	32.94
IPO	Jun 25, 1999	Option/Short	Yes / Yes	EPS/Sales Surpr.	1.59% 1.80%	Trades		Volume	209,251	Change	0.03%

Date	Action	Analyst	Rating Change	Price Target Change
Feb-03-25	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$29 → $34
Dec-20-24	Initiated	Piper Sandler	Overweight	$33
Mar-25-24	Downgrade	Piper Sandler	Overweight → Neutral	$23 → $19
Jul-13-23	Initiated	Stephens	Equal-Weight	$20
Oct-31-22	Downgrade	Hovde Group	Outperform → Market Perform	$33 → $29
Oct-30-20	Upgrade	Sidoti	Neutral → Buy	$25
Jul-31-20	Initiated	Sidoti	Neutral
Mar-20-17	Initiated	Hovde Group	Outperform	$37
Feb-26-16	Downgrade	Piper Jaffray	Overweight → Neutral
Sep-16-15	Initiated	Piper Jaffray	Overweight
Oct-24-13	Downgrade	Sterne Agee	Buy → Neutral
Jan-25-07	Downgrade	FTN Midwest	Neutral → Sell

Show Previous Ratings

Jan-30-26 04:03PM	Financial Institutions Inc (FISI) Q4 2025 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com)
10:13AM	Financial Institutions Q4 Earnings Call Highlights (MarketBeat)
Jan-29-26 04:58PM	Financial Institutions: Q4 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.96 per Diluted Share, for the Fourth Quarter of 2025 and $73.4 million, or $3.61 per Diluted Share, for Full Year 2025 (GlobeNewswire)
07:25AM	Earnings To Watch: Financial Institutions Inc (FISI) Reports Q4 2025 Result (GuruFocus.com)
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Jan-28-26 05:10PM	Shore Bancshares (SHBI) Surpasses Q4 Earnings and Revenue Estimates (Zacks)
07:22AM	What To Expect From Financial Institutions Inc (FISI) Q4 2025 Earnings (GuruFocus.com)
Jan-26-26 05:55PM	First Bank (FRBA) Matches Q4 Earnings Estimates (Zacks)
Jan-23-26 08:40AM	Webster Financial (WBS) Q4 Earnings and Revenues Top Estimates (Zacks)
Jan-02-26 08:30AM	Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2025 Earnings Release and Conference Call (GlobeNewswire)
Dec-18-25 06:45AM	Financial Institutions assumed with a Neutral at Piper Sandler (TipRanks)
Dec-11-25 04:30PM	Financial Institutions, Inc. Announces Completion of $80.0 Million Private Placement of Subordinated Notes (GlobeNewswire)
Nov-20-25 05:29AM	Capital One joins FedNow (Payments Dive)
Nov-17-25 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Oct-24-25 03:01PM	Financial Institutions Inc (FISI) Q3 2025 Earnings Call Highlights: Strong Financial ... (GuruFocus.com) +9.33%
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Oct-23-25 04:25PM	Financial Institutions: Q3 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Reports Third Quarter 2025 Results, Including Net Income Available to Common Shareholders of $20.1 million, or $0.99 per Diluted Share (GlobeNewswire)
09:26AM	Financial Institutions Inc (FISI) Q3 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
Oct-22-25 09:43AM	Financial Institutions Inc (FISI) Q3 2025 Earnings Report Preview: What To Look For (GuruFocus.com)
Oct-01-25 09:00AM	Financial Institutions, Inc. Schedules Third Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
Sep-22-25 04:05PM	Financial Institutions, Inc. Announces New Share Repurchase Program (GlobeNewswire)
Aug-25-25 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Jul-26-25 03:04AM	Financial Institutions Inc (FISI) Q2 2025 Earnings Call Highlights: Strong Net Income Growth ... (GuruFocus.com)
Jul-24-25 04:05PM	Financial Institutions, Inc. Announces Second Quarter 2025 Results (GlobeNewswire)
09:30AM	Financial Institutions Inc (FISI) Q2 2025: Everything You Need to Know Ahead of Earnings (GuruFocus.com)
Jul-23-25 10:03AM	Financial Institutions Inc (FISI) Q2 2025 Earnings Report Preview: What to Look For (GuruFocus.com)
Jul-01-25 09:01AM	Financial Institutions, Inc. Schedules Second Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
May-28-25 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
May-15-25 11:48AM	Do Options Traders Know Something About Financial Institutions Stock We Don't? (Zacks)
Apr-30-25 01:16AM	Q1 2025 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents)
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Apr-29-25 03:14PM	Financial Institutions, Inc. (FISI) Q1 2025 Earnings Call Transcript (Seeking Alpha) +5.78%
Apr-28-25 05:25PM	Financial Institutions (FISI) Surpasses Q1 Earnings Estimates (Zacks)
04:22PM	Financial Institutions: Q1 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces First Quarter 2025 Results (GlobeNewswire)
Apr-24-25 05:45PM	HarborOne Bancorp (HONE) Lags Q1 Earnings and Revenue Estimates (Zacks)
Apr-17-25 09:45AM	Norwood Financial Corp. (NWFL) Q1 Earnings Beat Estimates (Zacks)
Apr-10-25 10:34AM	Fulton Financial (FULT) Soars 6.9%: Is Further Upside Left in the Stock? (Zacks)
Apr-01-25 04:05PM	Financial Institutions, Inc. Schedules First Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
Mar-29-25 01:55AM	Dividend Champion, Contender, And Challenger Highlights: Week Of March 30 (Seeking Alpha)
Mar-10-25 04:05PM	Financial Institutions, Inc. Settles Auto Lending Litigation (GlobeNewswire)
Mar-06-25 04:05PM	Five Star Bank Appoints Eric Marks Chief Consumer Banking Officer (GlobeNewswire)
Feb-25-25 12:22PM	Is Financial Institutions, Inc. (FISI) the Small-Cap Dividend Stock Drive Year-to-Date Gains? (Insider Monkey)
Feb-17-25 09:40AM	Should Value Investors Buy Financial Institutions (FISI) Stock? (Zacks)
Feb-13-25 04:05PM	Financial Institutions, Inc. Announces 3.3% Increase in Common Stock Dividend (GlobeNewswire)
Feb-07-25 01:27PM	Is Financial Institutions (FISI) Among the SmallCap Stocks Insiders Are Buying Recently? (Insider Monkey)
Feb-01-25 02:03AM	Financial Institutions Inc (FISI) Q4 2024 Earnings Call Highlights: Navigating Losses and ... (GuruFocus.com)
Jan-31-25 10:57PM	Q4 2024 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents)
Jan-30-25 04:50PM	Financial Institutions: Q4 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces Fourth Quarter and Full Year 2024 Results (GlobeNewswire)
07:12AM	Financial Institutions Inc (FISI) Q4 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jan-29-25 07:20AM	Financial Institutions Inc (FISI) Q4 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jan-27-25 04:05PM	Financial Institutions, Inc. Appoints Angela J. Panzarella to Board of Directors (GlobeNewswire)
Jan-08-25 09:40AM	Should Value Investors Buy Financial Institutions (FISI) Stock? (Zacks)
Jan-02-25 09:00AM	Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2024 Earnings Release and Conference Call (GlobeNewswire)
Dec-23-24 09:40AM	Are Investors Undervaluing Financial Institutions (FISI) Right Now? (Zacks)
Dec-17-24 12:00PM	What Makes Financial Institutions (FISI) a Strong Momentum Stock: Buy Now? (Zacks)
Dec-11-24 07:58PM	Financial Institutions, Inc. Announces Pricing of Common Stock Offering (GlobeNewswire) +6.40%
04:09PM	Financial Institutions, Inc. Announces Launch of Common Stock Offering (GlobeNewswire)
Dec-06-24 09:40AM	Is Financial Institutions (FISI) Stock Undervalued Right Now? (Zacks)
Nov-20-24 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Nov-04-24 04:47PM	Christopher Campise Named Chief Information Officer of Five Star Bank (GlobeNewswire)
Oct-26-24 03:04AM	Financial Institutions Inc (FISI) Q3 2024 Earnings Call Highlights: Navigating Challenges with ... (GuruFocus.com)
12:07AM	Q3 2024 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents)
Oct-24-24 04:36PM	Financial Institutions: Q3 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces Third Quarter 2024 Financial Results (GlobeNewswire)
09:06AM	Earnings To Watch: Financial Institutions Inc (FISI) Reports Q3 2024 Result (GuruFocus.com)
Oct-23-24 09:12AM	Financial Institutions Inc (FISI) Q3 2024 Earnings Report Preview: What to Expect (GuruFocus.com)
Oct-16-24 12:00PM	Financial Institutions (FISI) Upgraded to Buy: Here's What You Should Know (Zacks)
Oct-01-24 08:30AM	Financial Institutions, Inc. Schedules Third Quarter 2024 Earnings Release and Conference Call (GlobeNewswire)
Sep-16-24 04:05PM	Financial Institutions, Inc. Announces Intent to Begin Winding Down BaaS, Reflecting Strategic Focus on Core Franchise (GlobeNewswire)
Aug-19-24 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Aug-14-24 12:00PM	All You Need to Know About Financial Institutions (FISI) Rating Upgrade to Strong Buy (Zacks)
Jul-25-24 04:21PM	Financial Institutions: Q2 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces Second Quarter 2024 Financial Results (GlobeNewswire)
Jul-10-24 09:40AM	Is Financial Institutions (FISI) a Great Value Stock Right Now? (Zacks)
Jul-01-24 04:05PM	Financial Institutions, Inc. Schedules Second Quarter 2024 Earnings Release and Conference Call (GlobeNewswire)
May-31-24 09:39AM	Implied Volatility Surging for Financial Institutions (FISI) Stock Options (Zacks)
May-22-24 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Apr-30-24 12:26PM	Financial Institutions, Inc. (NASDAQ:FISI) Q1 2024 Earnings Call Transcript (Insider Monkey)
Apr-26-24 09:57PM	Q1 2024 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents)
Apr-25-24 09:55PM	FISI Stock Earnings: Financial Institutions Misses EPS, Beats Revenue for Q1 2024 (InvestorPlace)
05:50PM	Financial Institutions (FISI) Q1 Earnings Lag Estimates (Zacks)
05:49PM	Financial Institutions Inc. (FISI) Faces Setbacks in Q1 2024 Amid Fraud Event (GuruFocus.com)
04:47PM	Financial Institutions: Q1 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces First Quarter 2024 Results (GlobeNewswire)
Apr-01-24 08:55AM	Financial Institutions, Inc. Announces Sale of the Assets of SDN Insurance Agency to NFP (GlobeNewswire)
Mar-25-24 04:05PM	Financial Institutions, Inc. Schedules First Quarter 2024 Earnings Release and Conference Call (GlobeNewswire)
Mar-14-24 04:14PM	Financial Institutions, Inc. Announces 2024 Annual Meeting Date (GlobeNewswire)
Feb-15-24 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Jan-27-24 10:47AM	Financial Institutions, Inc. (NASDAQ:FISI) Q4 2023 Earnings Call Transcript (Insider Monkey)
Jan-26-24 06:01PM	Why Financial Institutions Stock Flopped on Friday (Motley Fool) -7.52%
Jan-25-24 05:55PM	Financial Institutions (FISI) Q4 Earnings Miss Estimates (Zacks)
04:58PM	Financial Institutions: Q4 Earnings Snapshot (Associated Press Finance)
04:43PM	Financial Institutions Inc (FISI) Reports Mixed Results Amidst Challenging Interest Rate Environment (GuruFocus.com)
04:05PM	Financial Institutions, Inc. Announces Fourth Quarter and Full Year 2023 Results (GlobeNewswire)
Jan-22-24 09:40AM	Should Value Investors Buy Financial Institutions (FISI) Stock? (Zacks)
Jan-03-24 08:54AM	Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2023 Earnings Release and Conference Call (GlobeNewswire)
Dec-14-23 05:18AM	Strength Seen in Financial Institutions (FISI): Can Its 5.6% Jump Turn into More Strength? (Zacks)
Dec-08-23 04:05PM	Financial Institutions, Inc. Announces Leadership Changes (GlobeNewswire)
Nov-15-23 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)

Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. It operates through the following segments: Banking, Non-Banking, and Holding Company and Other. The Banking segment includes retail and commercial banking operations. The Non-Banking segment consists of the activities of SDN, a full-service insurance agency that offers insurance services to both personal and business clients, and Courier Capital, an investment advisor and wealth management firm that delivers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. The company was founded in 1931 and is headquartered in Warsaw, NY.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
BYERS SANDRA L	Principal Accounting Officer	Jul 08 '25	Option Exercise	0.00	250	0	1,460	Jul 09 04:05 PM

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FISI

Financial Institutions Inc

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