FISI

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| Held by: VTI IWM AVUV DFSV KRE DFAT VXF IWN DFAS VTWO

Index	RUT
Market Cap	789.04M
Enterprise Value	-
Income	80.68M
Sales	376.04M
Book/sh	-3.81
Cash/sh	-
Dividend Est.	1.28 (3.17%)
Dividend TTM	1.27 (3.14%)
Dividend Ex-Date	Sep 15, 2026
Dividend Gr. 3/5Y	2.25% 3.58%
Payout	34.32%
Employees	631
IPO	Jun 25, 1999

P/E	10.03
Forward P/E	9.35
PEG	1.17
P/S	2.10
P/B	-
P/C	-
P/FCF	13.90
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.05
Debt/Eq	-
LT Debt/Eq	-
Option/Short	Yes / Yes

EPS (ttm)	4.03
EPS next Y	4.33
EPS next Q	1.06
EPS this Y	15.10%
EPS next Y	4.09%
EPS next 5Y	8.02%
EPS past 3/5Y	0.47% 9.50%
Sales past 3/5Y	16.07% 13.47%
EPS Y/Y TTM	270.80%
Sales Y/Y TTM	41.75%
EPS Q/Q	-0.29%
Sales Q/Q	0.23%
Earnings	Oct 29 AMC
EPS/Sales Surpr.	-5.71% -2.71%

Insider Own	2.58%
Insider Trans	0.31%
Inst Own	81.22%
Inst Trans	1.81%
ROA	1.28%
ROE	30.02%
ROIC	1886.52%
Gross Margin	-
Oper. Margin	26.12%
Profit Margin	21.46%
SMA20	1.67%
SMA50	0.80%
SMA200	9.68%
Trades

Shs Outstand	19.52M
Shs Float	19.02M
Short Float	3.91%
Short Ratio	5.65
Short Interest	0.74M
52W High	42.97 -5.93%
52W Low	28.21 43.28%
Volatility	2.49% 2.09%
ATR (14)	0.99
RSI (14)	53.54
Beta	0.63
Rel Volume	0.93
Avg Volume	131.47K
Volume	51,201

Perf Week	-0.86%
Perf Month	2.90%
Perf Quarter	-3.67%
Perf Half Y	14.34%
Perf YTD	29.68%
Perf Year	40.54%
Perf 3Y	133.91%
Perf 5Y	24.75%
Perf 10Y	51.39%
Recom	2.00
Target Price	45.00
Prev Close	39.35
Price	40.42
Change %	2.72%

Consensus

Buy

Avg. Price Target

$45.00

Implied Upside

+11.3%

Analysts8incl. previous ratings

Rating Distribution3 Buy · 4 Hold · 1 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Feb 03, 2025	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$29 → $34	-15.9%
Dec 20, 2024	Initiated	PPiper Sandler	Overweight	$33	-18.4%
Mar 25, 2024	Downgrade	PPiper Sandler	Overweight → Neutral	$23 → $19	-53.0%
Jul 13, 2023	Initiated	SStephens	Equal-Weight	$20	-50.5%
Oct 31, 2022	Downgrade	HHovde Group	Outperform → Market Perform	$33 → $29	-28.3%
Oct 30, 2020	Upgrade	SSidoti	Neutral → Buy	$25	-38.1%
Jul 31, 2020	Initiated	SSidoti	Neutral
Mar 20, 2017	Initiated	HHovde Group	Outperform	$37	-8.5%
Feb 26, 2016	Downgrade	PPiper Jaffray	Overweight → Neutral
Sep 16, 2015	Initiated	PPiper Jaffray	Overweight
Oct 24, 2013	Downgrade	SSterne Agee	Buy → Neutral
Jan 25, 2007	Downgrade	FFTN Midwest	Neutral → Sell

Oct-30-26 09:30AM	Financial Institutions Misses On EPS As Credit Costs And Fee Softness Offset Record Net Interest Income And Strong Commercial Loan Growth (Earnings Whispers)
Oct-29-26 04:36PM	Financial Institutions: Q3 Earnings Snapshot (Associated Press)
04:05PM	Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026 (GlobeNewswire)
Oct-21-26 07:03PM	Financial Institutions Faces Test Of Raised Margin And Return Targets As Loan Growth Outruns Guidance (Earnings Whispers)
Oct-01-26 04:05PM	Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call (GlobeNewswire)
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Aug-26-26 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Jul-23-26 04:40PM	Financial Institutions: Q2 Earnings Snapshot (Associated Press)
04:05PM	Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $20.8 million, or $1.04 per Diluted Share, for the Second Quarter of 2026 (GlobeNewswire)
09:17AM	Financial Institutions Inc (FISI) Q2 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
Jul-22-26 09:25AM	Financial Institutions Inc (FISI) Q2 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
Jun-30-26 04:05PM	Financial Institutions, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call (GlobeNewswire)
May-29-26 05:10AM	Convex secures in-principle nod for Lloyds Syndicate 1987 (Life Insurance International)
May-20-26 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Apr-25-26 03:02AM	Financial Institutions Inc (FISI) Q1 2026 Earnings Call Highlights: Strong Profitability Amid ... (GuruFocus.com)
Apr-23-26 04:49PM	Financial Institutions: Q1 Earnings Snapshot (Associated Press)
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04:05PM	Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $20.6 million, or $1.04 per Diluted Share, for the First Quarter of 2026 (GlobeNewswire)
09:19AM	Financial Institutions Inc (FISI) Q1 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Apr-22-26 09:38AM	Earnings To Watch: Financial Institutions Inc (FISI) Reports Q1 2026 Result (GuruFocus.com)
Apr-02-26 04:05PM	Financial Institutions, Inc. Updates First Quarter 2026 Earnings Conference Call Details (GlobeNewswire)
Mar-30-26 04:05PM	Financial Institutions, Inc. Schedules First Quarter 2026 Earnings Release and Conference Call (GlobeNewswire)
Mar-04-26 10:05AM	Is the Options Market Predicting a Spike in Financial Institutions Stock? (Zacks)
Feb-16-26 11:00AM	3 Bank Stocks With Recent Dividend Hikes to Keep on Your Radar (Zacks)
Feb-12-26 05:00PM	Financial Institutions, Inc. Increases Quarterly Common Stock Dividend by 3.2% to $0.32 (GlobeNewswire)
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)
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)
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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%
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)
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)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
DORN ANDREW W JR	Director	Nov 02 '26	Buy	40.11	1,575	63,173	40,641	Nov 03 04:05 PM
JONES BLAKE G	Chief Marketing Officer	Sep 25 '26	Option Exercise	0.00	1,000	0	1,000	Sep 28 04:05 PM
Plants William Jack II	Chief Financial Officer	Mar 12 '26	Buy	30.12	660	19,879	6,159	Mar 12 04:05 PM

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.

PresidentMr. Martin K. Birmingham

Executive VPMr. William Jack Plants II

Executive VPMr. Samuel J. Burruano Jr.

Senior Vice President & Chief Human Resources OfficerMs. Laurie R. Collins

Senior VP & Chief Commercial Banking OfficerMr. Kevin B. Quinn

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Financial Institutions Inc

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