Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

FISI stock hub

Financial Institutions, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

697.1M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

FISI

In the news

Latest news · FISI

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.9

P25 8.8P50 10.4P75 13.1

Trailing P/E9.2

P25 10.9P50 14.7P75 36.2

ROE12.9

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FISI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

239

Groups with data

Currency

USD

Showing 239 of 239 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000862831
Company name	Financial Institutions, Inc.
Country	United States
Country code	US
Cusip	317585404
Employees	631
Employees Change	33%
Employees Change Percent	5.52
Enterprise value	$834.2M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	1999-06-25
Isin	US3175854047
Last refreshed	2026-05-10
Market cap	$697.1M
Market cap category	Small-Cap
Price	$35.41
Price currency	USD
Rev Per Employee	379,450.08x
Sector	Financials
Sic	6021
Symbol	FISI
Website	https://financialinstitutionsinc.q4ir.com/overview/default.aspx

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.12%
EV Earnings	10.76x
EV Sales Forward	3.56x
EV/FCF	30.78x
EV/Sales	3.48x
FCF yield	3.89%
Forward P/E	8.91x
P/B ratio	1.13x
P/E ratio	9.23x
P/S ratio	2.91x
PE Ratio10 Y	9.64x
PE Ratio3 Y	6.82x
PE Ratio5 Y	6.64x
PS Forward	2.98x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	11.32%
Gross Profit	$239.4M
Net Income	$77.5M
Net Income Growth Q	24.33%
Net Income Growth Quarters	3%
Net Income Growth Years	1%
Net Income Growth3 Y	14.07%
Net Income Growth5 Y	6.55%
Pretax Margin	39.91%
Profit Margin	32.98%
Profit Per Employee	$122,848
Profitable Years	1
ROA	1.25
Roa5y	0.77
ROE	12.93
Roe5y	8.89

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	7.09%
Cagr15y	9.53%
Cagr1y	43.68%
Cagr20y	6.85%
Cagr3y	37.34%
Cagr5y	6.79%
Div CAGR10	4.56%
Div CAGR3	2.23%
Div CAGR5	3.55%
EPS Growth Q	28.4
EPS Growth Quarters	3
EPS Growth Years	1
EPS Growth3 Y	4.24
EPS Growth5 Y	1.76
FCF Growth	-61.41%
FCF Growth Q	150.71%
FCF Growth3 Y	-32.45%
FCF Growth5 Y	-13.53%
OCF Growth	-56.6%
OCF Growth Q	136.76%
OCF Growth10 Y	-2.56%
OCF Growth3 Y	-30.3%
OCF Growth5 Y	-11.38%
Revenue Growth	120.42x
Revenue Growth Q	11.27x
Revenue Growth Quarters	3x
Revenue Growth Years	1x
Revenue Growth3 Y	6.13x
Revenue Growth5 Y	6.03x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$6.3B
Cash	$113.2M
Debt	$250.3M
Debt FCF	$9.24
Equity	$631.7M
Liabilities	$5.7B
Net Cash	$-137.1M
Net Cash By Market Cap	$-19.67
Net Debt Equity	$0.22
Net Debt FCF	$5.06
Tangible Book Value	$554.1M
Tangible Book Value Per Share	$28.15
WACC	5.76

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-5.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-20.04%
Dividend Growth	3.31%
Dividend Growth Years	1%
Dividend per share	$1.28
Dividend Years	28
Dividend Yield	3.61%
Ex Div Date	2026-03-13
Last Dividend	$0.32
Payout Frequency	Quarterly
Payout Ratio	32.57%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	98.32%
1Y total return	43.64%
200-day SMA	30.22
3Y total return	159.08%
50-day SMA	32.71
50-day SMA vs 200-day SMA	50over200
5Y total return	38.89%
All Time High	38.85
All Time High Change	-8.85%
All Time High Date	2002-05-03
All Time Low	3.27
All Time Low Change	982.87%
All Time Low Date	2009-02-26
ATR	0.85
Beta	0.65
Beta1y	0.86
Beta2y	1.02
Ch YTD	13.6
High	35.7
High52	35.7
High52 Date	2026-05-08
High52ch	-0.81%
Low	34.79
Low52	24.41
Low52 Date	2025-06-18
Low52ch	45.06%
Ma50ch	8.26%
Price vs 200-day SMA	17.17%
RSI	63.21
RSI Monthly	70.81
RSI Weekly	63.77
Sharpe ratio	1.34x
Sortino ratio	2.49
Total Return	-16.42%
Tr YTD	14.82
Tr15y	291.48%
Tr1m	6.69%
Tr1w	2.67%
Tr3m	1.84%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	1
Analyst Price Target Top	$38
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.92
Earnings EPS Estimate Growth	13.58
Earnings Revenue Estimate	62,812,400x
Earnings Revenue Estimate Growth	34.03x
Operating Income	$100.6M
Operating margin	42
Price target	$37
Price Target Change	$4.49
Price Target Change Top	$7.31

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	17,327,159%
Float Percent	88.02%
Net Borrowing	14,000,000
Shares Insiders	2.74%
Shares Institutions	72.65%
Shares Out	19,686,370
Shares Qo Q	-2.09%
Shares Yo Y	20.04%
Short Float	3.19%
Short Ratio	4.28
Short Shares	2.81

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$23.6M
Average Volume	97,945.9x
Bv Per Share	31.21
CAPEX	$-5.4M
Ch10y	30.04
Ch15y	117.4
Ch1m	6.69
Ch1w	2.67
Ch1y	37.52
Ch20y	80.3
Ch3m	0.77
Ch3y	120.3
Ch5y	8.62
Ch6m	20.73
Change	0%
Change From Open	0.14
Close	35.41
Days Gap	-0.14
Dollar Volume	2,568,853.9
Earnings Date	2026-04-23
Earnings Time	amc
EPS	$3.84
F Score	3
FCF	$27.1M
FCF EV Yield	3.25x
FCF Per Share	$1.38
Financing CF	-65,849,000
Fiscal Year End	December
Founded	1,817
Goodwill	58,121,000
Graham Number	51.91489
Graham Upside	46.61
Income Tax	$16.6M
Investing CF	-48,537,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-03-09
Lynch Fair Value	$25.13
Lynch Upside	-29.04
Ma150	31.45
Ma150ch	12.61%
Ma20	34.51
Ma20ch	2.61%
Net CF	-81,901,000
Next Earnings Date	2026-07-23
Open	35.36
Optionable	Yes
P FCF Ratio	25.72
P OCF Ratio	21.46
Payment Date	2026-04-02
Position In Range	68.13
Ppne	67,902,000
Price Date	2026-05-08
Ptbv Ratio	1.26
Relative Volume	0.74x
Revenue	239,433,000x
SBC By Revenue	1.45x
Share Based Comp	3,474,000
Tax By Revenue	6.93x
Tax Rate	17.36%
Tr20y	276.11%
Tr6m	23.18%
Us State	New York
Volume	72,546

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FISI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.6%

$1.28 annual per share

Payout ratio

+32.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+3.5%

1 consecutive years of growth

Total shareholder yield

-16.4%

Next ex-dividend date: 2026-03-13

Performance

FISI stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FISI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+72.6%

Float: +88.0% of shares outstanding

Insider ownership

+2.7%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FISI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

63.2

Neutral momentum band

Price vs 200-day MA

+17.2%

50/200-day relationship not available

Beta (5Y)

0.65

Less volatile than the market

Sharpe ratio

1.34

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

FISI vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Verminderen
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Verminderen
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Verminderen

Questions

About FISI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current FISI stock rating?

Financial Institutions, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full FISI analysis?

The full report lives at /stocks/FISI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for FISI?

The latest report frames FISI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the FISI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.