FISI

Financial Institutions Inc

Sep 16 • 04:00PM ET

26.29

-0.28 -1.05 %

Financial • Banks - Regional • USA • NASD

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

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

Index	RUT	P/E	-	EPS (ttm)	-2.57	Insider Own	3.21%	Shs Outstand	20.13M	Perf Week	-3.81%
Market Cap	529.21M	Forward P/E	6.78	EPS next Y	3.88	Insider Trans	0.00%	Shs Float	19.48M	Perf Month	1.98%
Enterprise Value	-	PEG	-	EPS next Q	0.88	Inst Own	81.50%	Short Float	2.21%	Perf Quarter	5.88%
Income	-36.39M	P/S	2.06	EPS this Y	-0.57%	Inst Trans	-1.89%	Short Ratio	2.88	Perf Half Y	1.78%
Sales	256.62M	P/B	0.91	EPS next Y	11.82%	ROA	-0.57%	Short Interest	0.43M	Perf YTD	-3.66%
Book/sh	29.03	P/C	-	EPS next 5Y	-	ROE	-6.53%	52W High	29.78 -11.73%	Perf Year	5.71%
Cash/sh	-	P/FCF	19.05	EPS past 3/5Y	- -	ROIC	-4.87%	52W Low	20.97 25.37%	Perf 3Y	1.78%
Dividend Est.	1.24 (4.72%)	EV/EBITDA	-	Sales past 3/5Y	7.96% 4.99%	Gross Margin	-	Volatility	1.41% 1.81%	Perf 5Y	52.76%
Dividend TTM	1.23 (4.68%)	EV/Sales	-	EPS Y/Y TTM	-178.36%	Oper. Margin	-14.59%	ATR (14)	0.55	Perf 10Y	7.22%
Dividend Ex-Date	Sep 15, 2025	Quick Ratio	-	Sales Y/Y TTM	-29.94%	Profit Margin	-14.18%	RSI (14)	42.17	Recom	1.00
Dividend Gr. 3/5Y	3.57% 3.71%	Current Ratio	0.07	EPS Q/Q	-47.91%	SMA20	-2.93%	Beta	0.72	Target Price	34.00
Payout	-	Debt/Eq	0.41	Sales Q/Q	-8.64%	SMA50	-1.07%	Rel Volume	1.23	Prev Close	26.57
Employees	598	LT Debt/Eq	0.24	Earnings	Jul 24 AMC	SMA200	-0.02%	Avg Volume	149.21K	Price	26.29
IPO	Jun 25, 1999	Option/Short	Yes / Yes	EPS/Sales Surpr.	2.41% -0.20%	Trades		Volume	183,582	Change	-1.05%

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

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)
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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)
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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)
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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)
Oct-28-23 11:08AM	Financial Institutions, Inc. (NASDAQ:FISI) Q3 2023 Earnings Call Transcript (Insider Monkey)
Oct-26-23 06:12PM	Financial Institutions Inc (FISI) Reports Q3 2023 Earnings (GuruFocus.com)
04:48PM	Financial Institutions: Q3 Earnings Snapshot (Associated Press Finance)
04:05PM	Financial Institutions, Inc. Announces Third Quarter 2023 Results (GlobeNewswire)
Oct-24-23 08:00AM	Courier Capital, LLC Promotes James E. Iglewski to President, Thomas J. Hanlon to Executive Vice President of Wealth Management and Co-Chief Investment Officer (GlobeNewswire)
Oct-11-23 09:40AM	Should Value Investors Buy Financial Institutions (FISI) Stock? (Zacks)
Oct-06-23 08:28AM	Consider Camden National (CAC) Stock for 6% Dividend Yield (Zacks)
Oct-02-23 04:05PM	Financial Institutions, Inc. Schedules Third Quarter 2023 Earnings Release and Conference Call (GlobeNewswire)
Sep-25-23 09:40AM	Are Investors Undervaluing Financial Institutions (FISI) Right Now? (Zacks)
Sep-20-23 04:35PM	Financial Institutions, Inc. Announces Controller Retirement and Internal Appointment (GlobeNewswire)
Sep-18-23 09:00AM	Blake Jones Named Chief Marketing Officer of Five Star Bank (GlobeNewswire)
Sep-15-23 08:23AM	Best Income Stocks to Buy for September 15th (Zacks)
Sep-13-23 07:17AM	Financial Institutions Inc (FISI): A Deep Dive into Its Dividend Performance (GuruFocus.com)
Sep-07-23 09:40AM	Is Financial Institutions (FISI) Stock Undervalued Right Now? (Zacks)
Aug-21-23 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
09:00AM	Five Star Bank Partners with Autobooks to Launch Tap to Pay on iPhone for Small Business Customers (GlobeNewswire)
Aug-18-23 09:55AM	Here's Why Financial Institutions (FISI) Is a Great 'Buy the Bottom' Stock Now (Zacks)
Aug-16-23 09:40AM	Should Value Investors Buy Financial Institutions (FISI) Stock? (Zacks)
Aug-09-23 09:00AM	Five Star Bank Expands Small Business Lending Solutions Through Partnership with Numerated (GlobeNewswire)
Jul-30-23 09:00AM	Financial Institutions, Inc. (NASDAQ:FISI) Q2 2023 Earnings Call Transcript (Insider Monkey)
Jul-28-23 10:36PM	Q2 2023 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents) +9.05%

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
Latella Robert N	Director	Dec 13 '24	Buy	25.00	4,000	100,000	16,000	Dec 16 04:05 PM
Quinn Kevin B	Chief Comm Banking Officer	Dec 13 '24	Buy	25.00	400	10,000	3,705	Dec 16 04:05 PM
Collins Laurie R	Chief Human Resources Officer	Dec 13 '24	Buy	25.00	2,000	50,000	4,719	Dec 16 04:05 PM
BYERS SANDRA L	Principal Accounting Officer	Dec 13 '24	Buy	25.00	800	20,000	800	Dec 16 04:05 PM
Zupan Mark	Director	Dec 13 '24	Buy	25.00	2,000	50,000	11,674	Dec 16 04:05 PM
BIRMINGHAM MARTIN KEARNEY	President & CEO	Dec 13 '24	Buy	25.00	4,000	100,000	126,732	Dec 16 04:05 PM
Plants William Jack II	Chief Financial Officer	Dec 13 '24	Buy	25.00	2,800	70,000	4,937	Dec 16 04:05 PM
HOLLIDAY SUSAN R	Director	Dec 13 '24	Buy	25.00	2,000	50,000	39,035	Dec 16 04:05 PM
PACOS GARY A.	Chief Risk Officer	Dec 13 '24	Buy	25.00	2,000	50,000	2,000	Dec 16 04:05 PM
GULLO SAMUEL M	Director	Dec 13 '24	Buy	25.00	4,000	100,000	40,840	Dec 16 04:05 PM
VanGelder Kim E	Director	Dec 13 '24	Buy	25.00	600	15,000	27,713	Dec 16 04:05 PM
DORN ANDREW W JR	Director	Dec 13 '24	Buy	25.00	2,000	50,000	36,423	Dec 16 04:05 PM
Burruano Samuel J Jr	Chief Legal Officer	Dec 13 '24	Buy	25.00	2,000	50,000	12,206	Dec 16 04:05 PM
BOSWELL DONALD	Director	Dec 13 '24	Buy	25.00	800	20,000	15,295	Dec 16 04:05 PM
Glaser Robert M	Director	Dec 13 '24	Buy	25.00	4,000	100,000	45,439	Dec 16 04:05 PM

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FISI

Financial Institutions Inc

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