
Financial Institutions, Inc.
FISINASDAQFinancial ServicesBanks - Regional
Previous close
$41.20
+$0.41 · +1.01%
FISI company overview
Regular session · ET · Market data may be delayed.
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AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
78
Undervalued
Momentum
59
Neutral
Sentiment
62
Bullish
Risk resilience
77
Moderate Risk
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Company profile
Company websiteFinancial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Martin K. Birmingham
- Listed since
- Jun 25, 1999
- Employees
- 631
Market position
Day range
Current $41.20
52-week range
Current $41.20
- Open
- $41.16
- Previous close
- $40.79
- Volume
- 276.78K
- 1.87× average
- Average volume
- 148.3K
- Average daily volume
- Market cap
- 811.08M USD
- Beta
- 0.64
- Market reference 1
- 50-day average
- $39.8602
- +3.36% above average
- 200-day average
- $34.452
- +19.59% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 851.96M USD
- P/E (TTM)
- 10.07×
- P/B (TTM)
- 1.26×
- P/S (TTM)
- 2.57×
- EV / EBITDA
- 8.59×
- Earnings yield
- 11.95%
- Free cash flow yield
- 2.12%
- Dividend yield
- 3.06%
Profitability & efficiency
- Gross margin
- 57.94%
- Operating margin
- 15.60%
- Net margin
- 26.18%
- Return on equity
- 11.91%
- Return on assets
- 1.19%
- Return on invested capital
- 7.16%
Financial health
- Debt / equity
- 0.45×
- Current ratio
- 0.03×
Earnings
- EPS beat rate
- 55%
- 6 beats, 5 misses, 0 met estimates
- Average EPS surprise
- -8.76%
- 11 comparable reports
- Latest EPS result
- 1.04
- Estimate 0.93 · Beat by 11.83%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$45.00
9.22% upsideRating distribution
6 ratingsRecent analyst actions
FISI news
FISI peers
ETFs holding FISI
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI24.67M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM22.41M0.03%81.62B USD0.19%$299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV14.44M0.05%31.27B USD0.25%$126.45+0.66%
Vanguard Extended Market ETFVXF9.42M0.01%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN7.81M0.05%14.66B USD0.24%$224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE5.57M0.14%4.06B USD0.35%$74.86+0.20%
Vanguard Russell 2000 ETFVTWO4.58M0.03%17.4B USD0.06%$121.25+0.74%
Dimensional - US Targeted Value ETFDFAT4.11M0.03%14.66B USD0.28%$71.67+0.67%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 24.67M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 22.41M
- Weight
- 0.03%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 14.44M
- Weight
- 0.05%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
Vanguard Extended Market ETFVXF- Market value
- 9.42M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 7.81M
- Weight
- 0.05%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 5.57M
- Weight
- 0.14%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
Vanguard Russell 2000 ETFVTWO- Market value
- 4.58M
- Weight
- 0.03%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Dimensional - US Targeted Value ETFDFAT- Market value
- 4.11M
- Weight
- 0.03%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
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