Financial Institutions/$FISI
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About Financial Institutions
Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.
Ticker
$FISI
Sector
Primary listing
Industry
Banks
Headquarters
Employees
598
ISIN
US3175854047
FISI Metrics
BasicAdvanced
$494M
-
-$1.69
0.72
$1.21
5.05%
Price and volume
Market cap
$494M
Beta
0.72
52-week high
$29.79
52-week low
$17.27
Average daily volume
90K
Dividend rate
$1.21
Financial strength
Profitability
Net profit margin (TTM)
-24.71%
Operating margin (TTM)
-19.26%
Effective tax rate (TTM)
46.27%
Revenue per employee (TTM)
$180,000
Management effectiveness
Return on assets (TTM)
-0.42%
Return on equity (TTM)
-5.18%
Valuation
Price to revenue (TTM)
3.808
Price to book
0.86
Price to tangible book (TTM)
0.96
Price to free cash flow (TTM)
6.016
Free cash flow yield (TTM)
16.62%
Free cash flow per share (TTM)
408.10%
Dividend yield (TTM)
4.93%
Forward dividend yield
5.05%
Growth
Revenue change (TTM)
-47.82%
Earnings per share change (TTM)
-167.48%
3-year revenue growth (CAGR)
-19.18%
3-year earnings per share growth (CAGR)
-27.60%
10-year earnings per share growth (CAGR)
-1.49%
3-year dividend per share growth (CAGR)
3.23%
10-year dividend per share growth (CAGR)
4.49%
What the Analysts think about FISI
Analyst ratings (Buy, Hold, Sell) for Financial Institutions stock.
Bulls say / Bears say
Financial Institutions, Inc. (FISI) is currently trading at a Forward P/E ratio of 6.06, significantly lower than the industry average of 8.48, indicating potential undervaluation. (nasdaq.com)
Analysts have set a 12-month average price target of $29.75 for FISI, suggesting a potential upside of approximately 4.57% from its current price. (stockanalysis.com)
The company maintains a strong capital position with a Common Equity Tier 1 (CET1) ratio of 10.28% and a Total Risk-Based Capital ratio of 12.95% as of September 30, 2024, indicating financial stability. (beyondspx.com)
FISI's net income for Q3 2024 was $13.5 million, a decrease from $14.0 million in Q3 2023, reflecting a downward trend in profitability. (dcf.fm)
The net interest margin declined slightly to 2.89% in Q3 2024 from 2.91% in Q3 2023, indicating potential challenges in maintaining interest income levels. (dcf.fm)
Analysts have revised earnings estimates downward over the past four months, suggesting concerns about future profitability. (marketscreener.com)
Data summarised monthly by Lightyear AI. Last updated on 6 Jun 2025.
FISI Financial Performance
Revenues and expenses
FISI Earnings Performance
Company profitability
FISI News
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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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
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FAQs
What’s the current market cap for Financial Institutions stock?
Financial Institutions (FISI) has a market cap of $494M as of June 21, 2025.
What is the P/E ratio for Financial Institutions stock?
The price to earnings (P/E) ratio for Financial Institutions (FISI) stock is 0 as of June 21, 2025.
Does Financial Institutions stock pay dividends?
Yes, the Financial Institutions (FISI) stock pays dividends to shareholders. As of June 21, 2025, the dividend rate is $1.21 and the yield is 5.05%. Financial Institutions has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Financial Institutions dividend payment date?
The next Financial Institutions (FISI) dividend payment date is unconfirmed.
What is the beta indicator for Financial Institutions?
Financial Institutions (FISI) has a beta rating of 0.72. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.
