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NASDAQFinancial ServicesBanks - Regional
Latest quote
$38.5854
−$0.4646 · -1.19%
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.
Regular session
$38.5854
−$0.4646 · -1.19%
Regular session · ET · Market data may be delayed.
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.
Day range
Current $38.5854
52-week range
Current $38.5854
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
78
Undervalued
Sentiment
62
Bullish
Risk
23
Moderate Risk
Momentum
59
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $38.5854
52-week range
Current $38.5854
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 377.94M USD | 264.17M USD | 332.59M USD | 241.09M USD | 212.03M USD |
| Cost of goods sold | 144.63M USD | 176.13M USD | 135.3M USD | 42.84M USD | 4.14M USD |
| Gross profit | 233.32M USD | 88.04M USD | 197.29M USD | 198.25M USD | 207.89M USD |
| Selling, general, and administrative | 88.3M USD | 74.92M USD | 80.59M USD | 76.03M USD | 66.99M USD |
| Operating expenses | 141.96M USD | 156.18M USD | 134.24M USD | 127.28M USD | 110.67M USD |
| Interest income | 332.99M USD | 313.23M USD | 286.13M USD | 196.11M USD | 167.21M USD |
| Interest expense | 133M USD | 149.64M USD | 120.42M USD | 28.74M USD | 12.48M USD |
| Depreciation and amortization | 7.88M USD | 7.68M USD | 8.09M USD | 8.11M USD | 8.05M USD |
| Operating income | 91.35M USD | −68.15M USD | 63.05M USD | 70.97M USD | 97.22M USD |
| Net income | 74.87M USD | −41.65M USD | 50.26M USD | 56.57M USD | 77.7M USD |
Company facts updated Oct 9, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$45.00
16.62% upsideCash distributions grouped by calendar year; partial years are marked.
$1.24
2025 complete year+14.8% since 2021
2026 partial: $0.96
$1.08
2,021
$1.16
2,022
$1.20
2,023
$1.20
2,024
$1.24
2,025
$0.96
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Sep 15, 2026 | $0.32Quarterly | Sep 15, 2026 | Oct 2, 2026 |
Dividend | Jun 12, 2026 | $0.32Quarterly | Jun 12, 2026 | Jul 2, 2026 |
Dividend | Mar 13, 2026 | $0.32Quarterly | Mar 13, 2026 | Apr 2, 2026 |
Dividend | Dec 15, 2025 | $0.31Quarterly | Dec 15, 2025 | Jan 2, 2026 |
Dividend | Sep 15, 2025 | $0.31Quarterly | Sep 15, 2025 | Oct 2, 2025 |
Dividend | Jun 13, 2025 | $0.31Quarterly | Jun 13, 2025 | Jul 2, 2025 |
Ex-dividend Sep 15, 2026
$0.32
Quarterly
Record Sep 15, 2026 · Payment Oct 2, 2026
Ex-dividend Jun 12, 2026
$0.32
Quarterly
Record Jun 12, 2026 · Payment Jul 2, 2026
Ex-dividend Mar 13, 2026
$0.32
Quarterly
Record Mar 13, 2026 · Payment Apr 2, 2026
Ex-dividend Dec 15, 2025
$0.31
Quarterly
Record Dec 15, 2025 · Payment Jan 2, 2026
Ex-dividend Sep 15, 2025
$0.31
Quarterly
Record Sep 15, 2025 · Payment Oct 2, 2025
Ex-dividend Jun 13, 2025
$0.31
Quarterly
Record Jun 13, 2025 · Payment Jul 2, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI24.11M0.00%2.3T USD0.03%$381.29+0.46%
iShares Russell 2000 ETFIWM21.79M0.03%77.7B USD0.19%$278.76+0.43%
Avantis U.S. Small Cap Value ETFAVUV16.07M0.05%30.82B USD0.25%$119.89-0.20%
U.S. Small Cap Value Portfolio ETF Class SharesDFSV11.87M0.04%26.91B USD0.33%$38.015-0.22%
Vanguard Extended Market ETFVXF9.31M0.01%95.4B USD0.05%$234.61+0.63%
Dimensional - US Targeted Value ETFDFAT8.86M0.03%30.26B USD0.33%$67.435-0.19%
State Street SPDR S&P Regional Banking ETFKRE8.07M0.22%3.44B USD0.35%$68.98-0.88%
iShares Russell 2000 Value ETFIWN7.48M0.05%13.75B USD0.24%$210.91-0.02%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMAvantis U.S. Small Cap Value ETFAVUVU.S. Small Cap Value Portfolio ETF Class SharesDFSVVanguard Extended Market ETFVXFDimensional - US Targeted Value ETFDFATState Street SPDR S&P Regional Banking ETFKREiShares Russell 2000 Value ETFIWNAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
