Financial Institutions/$FISI
1D1W1MYTD1Y5YMAX
Capital at risk
About Financial Institutions
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
- Ticker
- $FISI
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 631
- Headquarters
- Warsaw, United States
- Website
- www.five-starbank.com
FISI Metrics
BasicAdvanced
$795M
10.01
$4.03
0.64
$1.26
3.17%
Price and volume
Market cap
$795M
Beta
0.64
52-week high
$42.97
52-week low
$25.61
Average daily volume
147K
Dividend rate
$1.26
Financial strength
Dividend payout ratio (TTM)
32.01%
Profitability
Net profit margin (TTM)
33.94%
Operating margin (TTM)
42.82%
Effective tax rate (TTM)
17.10%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.32%
Return on equity (TTM)
13.27%
Valuation
Price to earnings (TTM)
10.009
Price to revenue (TTM)
3.293
Price to book
1.27
Price to tangible book (TTM)
1.4
Price to free cash flow (TTM)
14.637
Free cash flow yield (TTM)
6.83%
Free cash flow per share (TTM)
2.755
Dividend yield (TTM)
3.13%
Forward dividend yield
3.17%
Growth
Revenue change (TTM)
137.20%
Earnings per share change (TTM)
-299.41%
3-year revenue growth (CAGR)
7.05%
3-year earnings per share growth (CAGR)
6.89%
10-year earnings per share growth (CAGR)
7.42%
3-year dividend per share growth (CAGR)
2.21%
10-year dividend per share growth (CAGR)
4.65%
What the Analysts think about FISI
Analyst ratings (Buy, Hold, Sell) for Financial Institutions stock.
Analyst projections of the future price of Financial Institutions stock.
Bulls say / Bears say
Second-quarter earnings showed clear momentum: diluted EPS rose to $1.04, net interest income reached a quarterly record of $53.4 million and net interest margin widened to 3.70%. Management raised its 2026 margin, return on assets and return on equity targets, suggesting the improvement may persist. (GlobeNewswire, Investing.com)
Commercial lending is providing a stronger growth engine, with commercial loans up 4.3% quarter on quarter and 9.1% year on year in the second quarter. Courier Capital also passed $4 billion of assets under management, adding a growing fee-based revenue stream alongside banking income. (GlobeNewswire, Ticker Report)
FISI has room to support growth and return cash to shareholders: its second-quarter common equity Tier 1 ratio was 11.44% and its tangible common equity ratio was 9.02%. It also maintained a $0.32 quarterly common dividend, while first-quarter filings showed continued share repurchases. (StockTitan, Last10K)
Funding could restrain the margin recovery. Deposits fell 0.7% quarter on quarter, management described certificate-of-deposit pricing as competitive, and its full-year deposit growth target remains only in the low single digits. (Last10K, Ticker Report)
Credit risk has not disappeared: non-performing loans rose 20.3% year on year to $39.0 million, or 0.82% of loans, and the second-quarter provision for credit losses was $3.1 million. The allowance was 1.00% of loans, still described as near the lower end of its historical range, leaving earnings exposed if commercial losses worsen. (Last10K, ADVFN)
The strong second quarter may overstate the sustainable growth rate. Management still guides to roughly 5% full-year loan growth, while the indirect auto book was down 7.5% year on year and the Baltimore loan office experienced earlier-than-expected pay-offs and pay-downs, increasing reliance on commercial lending execution. (Investing.com, Equibles)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
FISI Financial Performance
Revenues and expenses
FISI Earnings Performance
Company profitability
Upcoming events
FISI News
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Funds containing FISI
Fund name | Fund size | $FISI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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