Financial Institutions/$FISI
1D1W1M3M6MYTD1Y5YMAX
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.FISI-investors.com
FISI Metrics
BasicAdvanced
$771M
9.81
$4.03
0.63
$1.27
3.24%
Price and volume
Market cap
$771M
Beta
0.63
52-week high
$42.97
52-week low
$28.21
Average daily volume
114K
Dividend rate
$1.27
Financial strength
Profitability
Net profit margin (TTM)
33.77%
Operating margin (TTM)
42.30%
Effective tax rate (TTM)
16.59%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.28%
Return on equity (TTM)
13.24%
Valuation
Price to earnings (TTM)
9.807
Price to revenue (TTM)
3.21
Price to book
1.28
Price to tangible book (TTM)
1.42
Dividend yield (TTM)
3.21%
Forward dividend yield
3.24%
Growth
Revenue change (TTM)
108.35%
Earnings per share change (TTM)
-363.00%
3-year revenue growth (CAGR)
7.05%
3-year earnings per share growth (CAGR)
6.77%
10-year earnings per share growth (CAGR)
7.41%
3-year dividend per share growth (CAGR)
2.19%
10-year dividend per share growth (CAGR)
4.73%
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
Total loans rose 5.8% year on year to $4.86 billion, with commercial lending driving growth. That gives FISI a clear balance-sheet expansion opportunity. (SEC)
Net interest income reached a quarterly record of $54.3 million, while the 3.70% net interest margin held steady quarter on quarter and improved year on year. Lower funding costs helped support this earnings engine. (SEC)
Investment advisory income grew 10.6% year on year, and assets under management at Courier Capital reached $4 billion. Management raised its growth target for the business to low double digits for 2026. (The Motley Fool)
Net income available to common shareholders fell 5.7% quarter on quarter and 2.4% year on year to $19.6 million. Return on tangible common equity also slipped to 13.75% from 14.88% in the prior quarter. (SEC)
Credit costs are rising: quarterly net charge-offs reached 0.33% of average loans, up from 0.11% in the prior quarter, while non-performing loans were 13.5% higher year on year. The quarterly provision for credit losses was also up 42% year on year. (SEC)
Management said intense competition was putting pressure on commercial loan spreads and lowered its fee guidance for commercial loan swaps because activity had weakened. These pressures could limit the benefit of loan growth. (The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
FISI Financial Performance
Revenues and expenses
FISI Earnings Performance
Company profitability
Upcoming events
No upcoming events
FISI News
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Funds containing FISI
Fund name | Fund size | $FISI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 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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