FISI Stock - Financial Institutions, Inc.
Unlock GoAI Insights for FISI
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Free 14-day trial • No credit card required
Premium members get real-time SMS alerts
Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $264.17M | $332.59M | $241.09M | $212.03M | $204.37M |
| Gross Profit | $88.03M | $197.29M | $198.25M | $207.89M | $154.87M |
| Gross Margin | 33.3% | 59.3% | 82.2% | 98.0% | 75.8% |
| Operating Income | $-68,148,000 | $63.05M | $70.97M | $97.22M | $45.72M |
| Net Income | $-41,646,000 | $50.26M | $56.57M | $77.70M | $38.33M |
| Net Margin | -15.8% | 15.1% | 23.5% | 36.6% | 18.8% |
| EPS | $-2.75 | $3.17 | $3.58 | $4.81 | $2.30 |
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| February 3rd 2025 | Keefe Bruyette | Upgrade | Outperform | $34← $29 |
| December 20th 2024 | Piper Sandler | Initiation | Overweight | $33 |
| March 25th 2024 | Piper Sandler | Downgrade | Neutral | $19← $23 |
| July 13th 2023 | Stephens | Initiation | Equal Weight | $20 |
| October 31st 2022 | Hovde Group | Downgrade | Market Perform | $29← $33 |
Earnings History & Surprises
FISIEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $0.95 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.94 | $0.99 | +5.3% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.88 | $0.85 | -3.4% | ✗ MISS |
Q2 2025 | Apr 28, 2025 | $0.74 | $0.81 | +9.5% | ✓ BEAT |
Q1 2025 | Jan 30, 2025 | $0.74 | $0.54 | -27.0% | ✗ MISS |
Q4 2024 | Oct 24, 2024 | $0.76 | $0.84 | +10.5% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $2.01 | $1.62 | -19.4% | ✗ MISS |
Q2 2024 | Apr 25, 2024 | $0.59 | $0.11 | -81.4% | ✗ MISS |
Q1 2024 | Jan 29, 2024 | $0.71 | $0.84 | +18.3% | ✓ BEAT |
Q4 2023 | Oct 26, 2023 | $0.83 | $0.88 | +6.0% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $0.75 | $0.91 | +21.3% | ✓ BEAT |
Q2 2023 | Apr 26, 2023 | $0.81 | $0.76 | -6.2% | ✗ MISS |
Q1 2023 | Jan 30, 2023 | $0.81 | $0.76 | -6.2% | ✗ MISS |
Q4 2022 | Oct 27, 2022 | $0.91 | $0.88 | -3.3% | ✗ MISS |
Q3 2022 | Jul 28, 2022 | $0.93 | $0.99 | +6.5% | ✓ BEAT |
Q2 2022 | Apr 27, 2022 | $0.84 | $0.93 | +10.7% | ✓ BEAT |
Q1 2022 | Jan 31, 2022 | $1.00 | $1.21 | +21.0% | ✓ BEAT |
Q4 2021 | Oct 28, 2021 | $0.89 | $1.05 | +18.0% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $0.86 | $1.25 | +45.3% | ✓ BEAT |
Latest News
Piper Sandler Assumes Financial Institutions at Neutral, Announces Price Target of $34
➖ NeutralKeefe, Bruyette & Woods Maintains Outperform on Financial Institutions, Raises Price Target to $35
📈 PositiveFinancial Institutions Q3 EPS $0.99 Beats $0.88 Estimate, Sales $51.789M Beat $50.220M Estimate
📈 PositiveFinancial Institutions Authorizes A New Share Repurchase Program For Up To 1,006,379 Shares Of Its Common Stock
📈 PositiveFrequently Asked Questions about FISI
What is FISI's current stock price?
What is the analyst price target for FISI?
What sector is Financial Institutions, Inc. in?
What is FISI's market cap?
Does FISI pay dividends?
Similar Stocks
Financial Services SectorExplore stocks similar to FISI for comparison