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NEW: Price Reaction to Earnings Reports

View detailed tables showing price action before and after earnings announcements, ranging from intraday to one week out. Track how the market has reacted to past earnings to identify patterns and predict future behavior. Click here to open.

FISI

Financial Institutions Inc

Jan 17 • 04:00PM ET

26.97

Dollar change +0.35
Percentage change 1.31	%

Financial • Banks - Regional • USA • NASD

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

| Held by: VTI IWM AVUV VXF IWN DFAT SCHA VTWO BSVO DFSV

Scroll to Statements

Index	RUT	P/E	8.48	EPS (ttm)	3.18	Insider Own	2.50%	Shs Outstand	19.47M	Perf Week	5.11%
Market Cap	525.23M	Forward P/E	7.90	EPS next Y	3.41	Insider Trans	7.37%	Shs Float	18.99M	Perf Month	-6.74%
Income	49.49M	PEG	-	EPS next Q	0.56	Inst Own	54.79%	Short Float	0.66%	Perf Quarter	1.70%
Sales	368.47M	P/S	1.43	EPS this Y	9.63%	Inst Trans	9.44%	Short Ratio	1.38	Perf Half Y	21.10%
Book/sh	31.22	P/B	0.86	EPS next Y	-1.16%	ROA	0.83%	Short Interest	0.13M	Perf Year	26.15%
Cash/sh	-	P/C	-	EPS next 5Y	-	ROE	11.21%	52W Range	16.29 - 29.34	Perf YTD	-1.17%
Dividend Est.	1.20 (4.46%)	P/FCF	-	EPS past 5Y	5.74%	ROI	7.53%	52W High	-8.08%	Beta	0.93
Dividend TTM	1.20 (4.45%)	Quick Ratio	-	Sales past 5Y	13.57%	Gross Margin	-	52W Low	65.56%	ATR (14)	0.83
Dividend Ex-Date	Dec 13, 2024	Current Ratio	0.15	EPS Y/Y TTM	-3.66%	Oper. Margin	16.29%	RSI (14)	51.43	Volatility	2.52% 2.98%
Employees	624	Debt/Eq	0.43	Sales Y/Y TTM	19.70%	Profit Margin	13.43%	Recom	2.33	Target Price	31.67
Option/Short	Yes / Yes	LT Debt/Eq	0.31	EPS Q/Q	-5.14%	Payout	38.05%	Rel Volume	5.07	Prev Close	26.62
Sales Surprise	-2.39%	EPS Surprise	10.53%	Sales Q/Q	2.56%	Earnings	Jan 30 AMC	Avg Volume	91.45K	Price	26.97
SMA20	0.60%	SMA50	-0.30%	SMA200	17.63%	Trades		Volume	463,268	Change	1.31%

Date	Action	Analyst	Rating Change	Price Target Change
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-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%
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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)
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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)
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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%
Jul-27-23 04:32PM	Financial Institutions: Q2 Earnings Snapshot (AP Finance)
04:05PM	Financial Institutions, Inc. Announces Second Quarter 2023 Results (GlobeNewswire)
Jul-24-23 09:00AM	Five Star Bank Promotes Scott Bader to Chief Information Security Officer (GlobeNewswire)
Jul-03-23 04:05PM	Financial Institutions, Inc. Schedules Second Quarter 2023 Earnings Release and Conference Call (GlobeNewswire)
Jun-19-23 08:04AM	Financial Institutions (FISI) in Focus on Solid Dividend (Zacks)
Jun-04-23 10:37AM	Financial Institutions, Inc. (NASDAQ:FISI) is favoured by institutional owners who hold 67% of the company (Simply Wall St.)
May-24-23 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
May-11-23 07:30AM	Safe Harbor Financial Partners with Five Star Bank to Create a Potential Billion-Dollar Growth Opportunity for Cannabis Banking (GlobeNewswire)
May-06-23 08:05AM	Independent Director of Financial Institutions Picks Up 36% More Stock \ (Simply Wall St.)
May-01-23 04:05PM	Financial Institutions, Inc. Subsidiaries Courier Capital, LLC and HNP Capital, LLC Complete Merger (GlobeNewswire) -6.80%
Apr-28-23 01:32AM	Q1 2023 Financial Institutions Inc Earnings Call (Thomson Reuters StreetEvents)
Apr-26-23 04:40PM	Financial Institutions: Q1 Earnings Snapshot (AP Finance)
04:05PM	Financial Institutions, Inc. Announces First Quarter 2023 Results (GlobeNewswire)
Apr-20-23 06:19AM	Financial Institutions (NASDAQ:FISI) shareholders have endured a 28% loss from investing in the stock five years ago (Simply Wall St.)
Apr-03-23 04:05PM	Financial Institutions, Inc. Schedules First Quarter 2023 Earnings Release and Conference Call (GlobeNewswire)
Mar-27-23 09:00AM	Rochester Democrat and Chronicle Names Five Star Bank a Winner of the Rochester Metro Area Top Workplaces 2023 Award (GlobeNewswire)
Mar-23-23 04:05PM	Financial Institutions, Inc. Announces 2023 Annual Meeting Date (GlobeNewswire)
Mar-10-23 05:45AM	Financial Institutions, Inc. (NASDAQ:FISI) Looks Interesting, And It's About To Pay A Dividend (Simply Wall St.)
Feb-27-23 09:00AM	The Buffalo News Names Five Star Bank a Winner of the Buffalo Niagara Region Top Workplaces 2023 Award (GlobeNewswire)
Feb-24-23 05:29AM	Financial Institutions (NASDAQ:FISI) Has Announced That It Will Be Increasing Its Dividend To $0.30 (Simply Wall St.)
Feb-22-23 04:05PM	Gary Pacos Joins Financial Institutions, Inc. and Five Star Bank as Chief Risk Officer (GlobeNewswire)
Feb-17-23 04:05PM	Financial Institutions, Inc. Announces 3.4% Increase in Common Stock Dividend (GlobeNewswire)
Feb-01-23 03:31PM	Financial Institutions, Inc. (NASDAQ:FISI) Q4 2022 Earnings Call Transcript (Insider Monkey)
05:46AM	Financial Institutions Full Year 2022 Earnings: EPS Misses Expectations (Simply Wall St.)
Jan-30-23 04:05PM	Financial Institutions, Inc. Announces Fourth Quarter and Full Year 2022 Results (GlobeNewswire)
Jan-24-23 04:05PM	Five Star Bank Expands its Commercial Lending Franchise in Central New York with New Syracuse Office (GlobeNewswire)
Dec-26-22 09:10AM	With 68% ownership of the shares, Financial Institutions, Inc. (NASDAQ:FISI) is heavily dominated by institutional owners (Simply Wall St.)
Dec-20-22 04:05PM	W. Jack Plants II Promoted to Executive Vice President of Financial Institutions, Inc. and Five Star Bank (GlobeNewswire)
04:04PM	Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2022 Earnings Release and Conference Call (GlobeNewswire)
Nov-21-22 04:05PM	Financial Institutions, Inc. Announces Quarterly Cash Dividend (GlobeNewswire)
Oct-31-22 04:05PM	Financial Institutions, Inc. to Participate in Investor Conferences in November 2022 (GlobeNewswire) -6.73%

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
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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