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
Employees
598
Headquarters
FISI Metrics
BasicAdvanced
$552M
-
-$2.02
0.76
$1.23
4.52%
Price and volume
Market cap
$552M
Beta
0.76
52-week high
$29.79
52-week low
$20.97
Average daily volume
121K
Dividend rate
$1.23
Financial strength
Profitability
Net profit margin (TTM)
-34.04%
Operating margin (TTM)
-28.78%
Effective tax rate (TTM)
40.38%
Revenue per employee (TTM)
$170,000
Management effectiveness
Return on assets (TTM)
-0.57%
Return on equity (TTM)
-6.53%
Valuation
Price to revenue (TTM)
4.813
Price to book
0.94
Price to tangible book (TTM)
1.05
Price to free cash flow (TTM)
18.486
Free cash flow yield (TTM)
5.41%
Free cash flow per share (TTM)
1.483
Dividend yield (TTM)
4.49%
Forward dividend yield
4.52%
Growth
Revenue change (TTM)
-53.51%
Earnings per share change (TTM)
-162.92%
3-year revenue growth (CAGR)
-20.67%
3-year earnings per share growth (CAGR)
-21.61%
10-year earnings per share growth (CAGR)
0.51%
3-year dividend per share growth (CAGR)
2.89%
10-year dividend per share growth (CAGR)
4.44%
What the Analysts think about FISI
Analyst ratings (Buy, Hold, Sell) for Financial Institutions stock.
Bulls say / Bears say
Net interest margin expanded to 3.49% in Q2 2025, up 62 basis points year-over-year and driving a 19.2% increase in net interest income to $49.1 million. (Nasdaq)
Total loans grew 1.7% year-over-year to $4.54 billion at June 30, 2025, reflecting disciplined loan origination and stable commercial lending growth. (Nasdaq)
The company maintained strong asset quality with nonperforming assets to total assets of 0.53% and an allowance coverage ratio of 146%, up from 122% in the prior quarter. (Nasdaq)
Net income available to common shareholders declined 32% year-over-year from $25.3 million to $17.2 million, signaling a significant earnings contraction. (Nasdaq)
Total deposits fell 4.0% sequentially to $5.16 billion due to public deposit outflows and the wind-down of its Banking-as-a-Service platform, posing potential liquidity pressures. (Nasdaq)
Noninterest income dropped 56% year-over-year to $10.6 million as the prior-year gain from the sale of the insurance business did not recur, reducing revenue diversification. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2025.
FISI Financial Performance
Revenues and expenses
FISI Earnings Performance
Company profitability
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.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Financial Institutions stock?
Financial Institutions (FISI) has a market cap of $552M as of October 07, 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 October 07, 2025.
Does Financial Institutions stock pay dividends?
Yes, the Financial Institutions (FISI) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $1.23 and the yield is 4.52%. 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 0.76. 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.