Financial Institutions, Inc. logo

Financial Institutions, Inc.

FISI

NASDAQFinancial ServicesBanks - Regional

Previous close

$41.20

+$0.41 · +1.01%

Aug 21, 4:00 PM ET

FISI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Financial 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 / TTM

Valuation & 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

ActualEstimate
Quarterly EPS actual values compared with estimates1.090.890.70.5Q1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.54, estimate 0.74, surprise -27.03%, Miss. Q2 2025, reported Apr 28, 2025: actual 0.81, estimate 0.74, surprise +9.46%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.85, estimate 0.88, surprise -3.41%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.99, estimate 0.94, surprise +5.32%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.96, estimate 0.95, surprise +1.05%, Beat. Q2 2026, reported Apr 23, 2026: actual 1.04, estimate 0.92, surprise +13.04%, Beat. Q3 2026, reported Jul 23, 2026: actual 1.04, estimate 0.93, surprise +11.83%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 1.05, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates72.97M41.92M10.87M-20.18MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual -13.75M USD, estimate 51.85M USD, surprise -126.52%, Miss. Q2 2025, reported Apr 28, 2025: actual 56.57M USD, estimate 57.14M USD, surprise -0.99%, Miss. Q3 2025, reported Jul 24, 2025: actual 59.43M USD, estimate 60.46M USD, surprise -1.70%, Miss. Q4 2025, reported Oct 23, 2025: actual 63.62M USD, estimate 63.03M USD, surprise +0.94%, Beat. Q1 2026, reported Jan 29, 2026: actual 64.12M USD, estimate 62.99M USD, surprise +1.80%, Beat. Q2 2026, reported Apr 23, 2026: actual 62.67M USD, estimate 62.76M USD, surprise -0.15%, Miss. Q3 2026, reported Jul 23, 2026: actual 64.32M USD, estimate 63.54M USD, surprise +1.22%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 66.55M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$45.00

9.22% upside
Past 12 months12-month forecastHigh $45.00Average $45.00Low $45.00

Rating distribution

6 ratings
Strong buy00%
Buy233%
Hold467%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions

FISI news

FISI peers

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