FISI

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Index	RUT
Market Cap	783.17M
Enterprise Value	-
Income	81.17M
Sales	375.82M
Book/sh	31.77
Cash/sh	-
Dividend Est.	1.28 (3.22%)
Dividend TTM	1.27 (3.20%)
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	9.86
Forward P/E	9.24
PEG	1.21
P/S	2.08
P/B	1.25
P/C	-
P/FCF	13.80
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.07
Debt/Eq	0.45
LT Debt/Eq	0.17
Option/Short	Yes / Yes

EPS (ttm)	4.03
EPS next Y	4.30
EPS next Q	1.05
EPS this Y	16.07%
EPS next Y	2.63%
EPS next 5Y	7.62%
EPS past 3/5Y	0.47% 9.50%
Sales past 3/5Y	16.07% 13.47%
EPS Y/Y TTM	260.54%
Sales Y/Y TTM	46.45%
EPS Q/Q	23.40%
Sales Q/Q	0.88%
Earnings	Oct 29 AMC
EPS/Sales Surpr.	11.83% 1.22%

Insider Own	2.58%
Insider Trans	0.00%
Inst Own	80.70%
Inst Trans	0.45%
ROA	1.32%
ROE	13.27%
ROIC	10.98%
Gross Margin	-
Oper. Margin	26.32%
Profit Margin	21.60%
SMA20	1.08%
SMA50	-1.33%
SMA200	9.14%
Trades

Shs Outstand	19.71M
Shs Float	19.20M
Short Float	4.14%
Short Ratio	5.69
Short Interest	0.80M
52W High	42.97 -7.51%
52W Low	26.32 50.99%
Volatility	2.04% 2.03%
ATR (14)	0.81
RSI (14)	51.53
Beta	0.64
Rel Volume	0.26
Avg Volume	139.86K
Volume	15,225

Perf Week	2.88%
Perf Month	-1.43%
Perf Quarter	2.64%
Perf Half Y	16.31%
Perf YTD	27.50%
Perf Year	49.41%
Perf 3Y	152.33%
Perf 5Y	25.25%
Perf 10Y	51.11%
Recom	2.00
Target Price	45.00
Prev Close	39.95
Price	39.74
Change %	-0.52%

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

Oct-01-26 04:05PM	Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call (GlobeNewswire)
Aug-26-26 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Jul-24-26 08:30AM	Financial Institutions, Inc. Q2 2026 Earnings Call Summary (Moby)
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)
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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-24-26 08:30AM	Financial Institutions, Inc. Q1 2026 Earnings Call Summary (Moby)
Apr-23-26 04:49PM	Financial Institutions: Q1 Earnings Snapshot (Associated Press)
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)
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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)
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)
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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)
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)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
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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