Financial Institutions (FISI) Stock Price

Financial Institutions Price

NASDAQ·CLOSED
41.96USD-0.68 (-1.61 %)
Market closed

Revenue has compounded at 6.0% per year over the past 19 years to 377.94 M USD. Earnings per share have grown at 5.3% per year over the last 19 years. Financial Institutions's net margin stands at 19.8%, down from 36.6% several years earlier. Financial Institutions currently offers a dividend yield of about 2.96%. The payout ratio is around 34% of earnings. The dividend has grown at 7.0% per year over the past 19 years. Analysts set a median price target of 37.74 USD, implying 10.1% below the current price. Of 8 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 69% above its 52-week low.

Financial Institutions stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Financial Institutions over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Financial Institutions stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Financial Institutions's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Financial Institutions Stock Price History
DateFinancial Institutions Price
8/6/202641.96 USD
8/5/202642.64 USD
8/4/202642.54 USD
8/3/202642.59 USD
7/31/202641.46 USD
7/30/202641.26 USD
7/29/202642.04 USD
7/27/202641.08 USD
7/23/202638.72 USD
7/22/202638.89 USD
7/21/202639.49 USD
7/20/202639.31 USD
7/17/202639.32 USD
7/16/202640.03 USD
7/15/202639.17 USD
7/14/202638.78 USD
7/13/202638.85 USD
7/10/202638.85 USD
7/9/202638.72 USD
7/8/202637.81 USD
7/7/202638.51 USD
7/6/202639.35 USD
7/2/202639.02 USD
7/1/202640.07 USD
6/30/202638.97 USD
6/29/202638.51 USD
6/26/202638.93 USD
6/25/202638.70 USD
6/24/202638.67 USD
6/23/202638.40 USD
6/22/202637.81 USD
6/18/202637.35 USD
6/17/202637.09 USD
6/16/202637.16 USD
6/15/202637.70 USD
6/12/202637.91 USD
6/11/202637.61 USD
6/10/202637.67 USD
6/9/202637.54 USD
6/8/202637.27 USD
6/5/202636.97 USD
6/4/202636.48 USD
6/3/202635.71 USD
6/2/202636.13 USD
6/1/202635.38 USD
5/29/202636.06 USD
5/28/202635.26 USD
5/27/202636.15 USD
5/26/202635.91 USD
5/22/202635.36 USD
5/21/202634.89 USD
5/20/202634.84 USD
5/19/202634.37 USD
5/18/202634.42 USD
5/15/202633.82 USD
5/14/202634.25 USD
5/13/202634.24 USD
5/12/202634.67 USD
5/11/202634.90 USD
5/8/202635.41 USD
5/7/202635.41 USD
5/6/202635.35 USD
5/5/202634.82 USD
5/4/202633.92 USD
5/1/202634.49 USD
4/30/202634.07 USD
4/29/202634.03 USD
4/28/202635.00 USD
4/27/202634.56 USD
4/24/202633.71 USD
4/23/202634.15 USD
4/22/202634.17 USD
4/21/202634.22 USD
4/20/202635.05 USD
4/17/202635.13 USD
4/16/202634.24 USD
4/15/202634.28 USD
4/14/202634.34 USD
4/13/202633.85 USD
4/10/202634.05 USD
4/9/202634.39 USD
4/8/202633.88 USD
4/7/202633.19 USD
4/6/202632.77 USD
4/2/202632.22 USD
4/1/202632.09 USD
3/31/202631.71 USD
3/30/202631.05 USD
3/27/202630.89 USD
3/26/202631.23 USD
3/25/202631.25 USD
3/24/202631.40 USD
3/23/202631.30 USD
3/20/202630.59 USD
3/19/202630.63 USD
3/18/202630.63 USD
3/17/202630.52 USD
3/16/202630.47 USD
3/13/202630.25 USD
3/12/202630.32 USD
3/11/202630.38 USD
3/10/202630.76 USD
3/9/202630.73 USD
3/6/202630.78 USD
3/5/202631.29 USD
3/4/202631.83 USD
3/3/202631.65 USD
3/2/202631.89 USD
2/27/202631.38 USD
2/26/202632.90 USD
2/25/202632.25 USD
2/24/202632.02 USD
2/23/202632.23 USD
2/20/202633.74 USD
2/19/202633.67 USD
2/18/202633.82 USD
2/17/202634.78 USD
2/13/202634.41 USD
2/12/202634.07 USD
2/11/202634.43 USD
2/10/202634.46 USD
2/9/202634.78 USD
2/6/202635.14 USD
2/5/202634.80 USD
2/4/202634.78 USD
2/3/202634.27 USD
2/2/202633.95 USD
1/30/202632.94 USD
1/29/202632.93 USD
1/28/202631.97 USD
1/27/202632.22 USD
1/26/202632.07 USD
1/23/202632.02 USD
1/22/202633.17 USD
1/21/202633.26 USD
1/20/202631.58 USD
1/16/202632.19 USD
1/15/202632.22 USD
1/14/202631.55 USD
1/13/202631.14 USD
1/12/202631.18 USD
1/9/202631.41 USD
1/8/202632.22 USD
1/7/202631.33 USD
1/6/202631.43 USD
1/5/202631.73 USD
1/2/202630.84 USD
12/31/202531.17 USD
12/30/202531.35 USD
12/29/202531.60 USD
12/26/202531.99 USD
12/24/202531.90 USD
12/23/202531.85 USD
12/22/202531.97 USD
12/19/202532.03 USD
12/18/202532.63 USD
12/17/202532.22 USD
12/16/202532.27 USD
12/15/202532.40 USD
12/12/202532.75 USD
12/11/202532.61 USD
12/10/202532.47 USD
12/9/202531.34 USD
12/8/202531.07 USD
12/5/202530.86 USD
12/4/202531.24 USD
12/3/202531.26 USD
12/2/202530.55 USD
12/1/202530.64 USD
11/28/202530.60 USD
11/26/202530.59 USD
11/25/202530.76 USD
11/24/202529.65 USD
11/21/202529.47 USD
11/20/202528.50 USD
11/19/202528.59 USD
11/18/202528.31 USD
11/17/202528.52 USD
11/14/202529.25 USD
11/13/202529.47 USD
11/12/202529.60 USD
11/11/202529.70 USD
11/10/202529.79 USD
11/7/202529.33 USD
11/6/202529.08 USD
11/5/202529.24 USD
11/4/202528.76 USD
11/3/202529.03 USD
10/31/202528.43 USD
10/30/202528.67 USD
10/29/202528.92 USD
10/28/202529.46 USD
10/27/202529.45 USD
10/24/202529.01 USD
10/23/202526.48 USD
10/22/202526.63 USD
10/21/202526.60 USD
10/20/202526.51 USD
10/17/202525.72 USD
10/16/202525.86 USD
10/15/202526.98 USD
10/14/202527.49 USD
10/13/202526.67 USD
10/10/202526.25 USD
10/9/202527.09 USD
10/8/202527.04 USD
10/7/202527.34 USD
10/6/202527.42 USD
10/3/202527.09 USD
10/2/202526.88 USD
10/1/202527.11 USD
9/30/202527.20 USD
9/29/202527.10 USD
9/28/202527.10 USD
9/25/202527.45 USD
9/24/202527.23 USD
9/23/202527.16 USD
9/22/202526.70 USD
9/19/202527.01 USD
9/18/202527.45 USD
9/17/202526.42 USD
9/16/202526.29 USD
9/15/202526.57 USD
9/12/202527.06 USD
9/11/202527.24 USD
9/10/202527.20 USD
9/9/202527.33 USD
9/8/202527.66 USD
9/5/202527.40 USD
9/4/202527.76 USD
9/3/202527.30 USD
9/2/202527.38 USD
8/29/202527.68 USD
8/28/202527.62 USD
8/27/202527.61 USD
8/26/202527.53 USD
8/25/202527.14 USD
8/22/202527.27 USD
8/21/202525.90 USD
8/20/202525.95 USD
8/19/202525.84 USD
8/18/202525.94 USD
8/15/202525.82 USD
8/14/202526.39 USD
8/13/202526.46 USD
8/12/202526.00 USD
8/11/202524.87 USD
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Financial Institutions Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2020
204.37 M USD
38.33 M USD
Jan 1, 2021
212.03 M USD
77.70 M USD
Jan 1, 2022
241.09 M USD
56.57 M USD
Jan 1, 2023
48.24 M USD
50.26 M USD
Jan 1, 2024
264.17 M USD
-41.65 M USD
Jan 1, 2025
377.94 M USD
74.87 M USD
Jan 1, 2026 (e)
259.95 M USD
80.49 M USD
Jan 1, 2027 (e)
271.55 M USD
83.65 M USD

Financial Institutions Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 9, 2026, 8:18 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
121.00122.00127.00135.00150.00164.00188.00208.00204.00212.00241.0048.00264.00377.00259.00271.00
1.680.834.106.3011.119.3314.6310.64-1.923.9213.68-80.08450.0042.80-31.304.63
86.7886.8988.1986.6785.3381.1079.2677.4075.4997.6482.16100.0033.3361.8061.8061.80
105.00106.00112.00117.00128.00133.00149.00161.00154.00207.00198.0048.0088.00233.00160.07167.49
23.0025.0029.0028.0031.0033.0039.0048.0038.0077.0056.0050.00-41.0074.0080.0083.00
4.558.7016.00-3.4510.716.4518.1823.08-20.83102.63-27.27-10.71-182.00-280.498.113.75
0.570.930.960.800.810.850.961.001.041.081.451.201.201.241.281.33
21.2863.163.23-16.671.254.9412.944.174.003.8534.26-17.24–3.333.233.91
13.7613.8214.1114.1614.5115.7915.9716.0716.0815.9315.4115.5116.4220.3220.3220.32
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Financial Institutions generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Financial Institutions retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Financial Institutions's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Financial Institutions has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Financial Institutions's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Financial Institutions stock margins

The Financial Institutions margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Financial Institutions. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Financial Institutions.

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Profit margin
Details
Date
Profit margin
Jan 1, 2020
18.76 %
Jan 1, 2021
36.64 %
Jan 1, 2022
23.47 %
Jan 1, 2023
104.19 %
Jan 1, 2024
-15.76 %
Jan 1, 2025
19.81 %
Jan 1, 2026 (e)
30.96 %
Jan 1, 2027 (e)
30.81 %

Financial Institutions Revenue per Share, Earnings per Share

The Financial Institutions earnings per share therefore indicates how much revenue Financial Institutions has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
12.71 USD
2.38 USD
Jan 1, 2021
13.31 USD
4.88 USD
Jan 1, 2022
15.64 USD
3.67 USD
Jan 1, 2023
3.11 USD
3.24 USD
Jan 1, 2024
16.09 USD
-2.54 USD
Jan 1, 2025
18.60 USD
3.68 USD
Jan 1, 2026 (e)
13.13 USD
4.07 USD
Jan 1, 2027 (e)
13.71 USD
4.23 USD

Financial Institutions business model & stock analysis

Financial Institutions Inc is a diversified financial company specializing in banking services and products for businesses and individuals. The company was established in 1931 and is headquartered in Warsaw, New York. It started as a cooperative bank known as Wyoming County National Bank before being renamed Financial Institutions Inc in 2000 and publicly listed on the NASDAQ stock exchange. The company's business model focuses on providing a wide range of financial services, including deposit products, loans, asset management, insurance, investment funds, and other services. Financial Institutions Inc operates in three main divisions: banking services, wealth management, and insurance. It is important to mention the company's social commitment, as it supports many non-profit organizations and foundations and serves as a significant sponsor of local and regional events in collaboration with private and public institutions. In summary, Financial Institutions Inc is a versatile and broadly positioned financial company that offers a variety of services and products, including banking services, wealth management products, and various insurance products. The company has a long history and deeply rooted values that are demonstrated through its social engagement.

Financial Institutions SWOT Analysis

Strengths

Financial Institutions Inc. has established itself as a reputable and trusted financial institution, enjoying a strong brand image and customer loyalty.

The company has a diversified portfolio of financial products and services, including banking, insurance, investments, and wealth management, which helps in cross-selling and maximizing customer value.

Financial Institutions Inc. has a robust financial position with healthy liquidity, capital reserves, and a strong balance sheet, enabling it to weather economic downturns and take advantage of growth opportunities.

Weaknesses

The company may face challenges related to regulatory compliance and governance, given the stringent regulations imposed on the financial industry. Non-compliance can lead to fines, reputational damage, and legal issues.

Financial Institutions Inc. may experience slower decision-making processes due to its size and organizational complexity. This can hinder agility and responsiveness to evolving market trends.

The company heavily relies on its traditional brick-and-mortar branches, which may limit its ability to fully capitalize on digitalization and rapidly changing customer preferences for online banking and digital services.

Opportunities

Financial Institutions Inc. can explore strategic partnerships and acquisitions to expand its market presence and diversify its product portfolio, allowing for increased revenue streams and cross-selling opportunities.

The increasing adoption of technology and digital banking presents an opportunity for Financial Institutions Inc. to invest in innovative solutions and enhance its digital infrastructure to cater to evolving customer demands.

The company can target untapped markets or demographic segments to expand its customer base, such as targeting millennials or emerging economies in which the demand for financial services is growing.

Threats

Economic downturns or financial crises can negatively impact financial institutions, and Financial Institutions Inc. is exposed to these cyclical risks. Market volatility, interest rate fluctuations, and changes in regulations can erode profitability and stability.

Competition within the financial industry is intense, and new entrants, fintech startups, or tech giants may disrupt traditional business models, posing a threat to Financial Institutions Inc.'s market share.

Cybersecurity threats and data breaches are significant concerns for financial institutions. Failure to protect customer data can lead to reputational damage, financial loss, and potential legal liabilities.

Financial Institutions Employees

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Financial Institutions Employees
Details
Date
Financial Institutions Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Financial Institutions Eulerpool Fair Value

Details

Fair Value Estimate

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What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Financial Institutions historical P/E ratio, EBIT multiple, and P/S ratio

Financial Institutions annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Financial Institutions shares outstanding

The number of shares of Financial Institutions was 20.32 M in 2025. This indicates how many shares Financial Institutions is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
16.08 M Stocks
Jan 1, 2021
15.93 M Stocks
Jan 1, 2022
15.41 M Stocks
Jan 1, 2023
15.51 M Stocks
Jan 1, 2024
16.42 M Stocks
Jan 1, 2025
20.32 M Stocks
Jan 1, 2026 (e)
20.32 M Stocks
Jan 1, 2027 (e)
20.32 M Stocks

Financial Institutions Dividend History

28 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.64USDYTD—2×
Mar 13, 20260.32USD↑ 3.2%1/2
Jun 12, 20260.32USD 0.0%2/2
20251.24USD↑ 3.3%4×
Mar 14, 20250.31USD↑ 3.3%1/4
Jun 13, 20250.31USD 0.0%2/4
Sep 15, 20250.31USD 0.0%3/4
Dec 15, 20250.31USD 0.0%4/4
20241.20USD 0.0%4×
20231.20USD↓ 17.2%4×
20221.45USD↑ 34.3%5×
20211.08USD↑ 3.8%4×
20201.04USD↑ 4.0%4×
20191.00USD↑ 4.2%4×
20180.96USD↑ 12.9%4×
20170.85USD↑ 4.9%4×

Financial Institutions dividend history and estimates

In 2025, Financial Institutions paid a dividend amounting to 1.24 USD. Dividend means that Financial Institutions distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
1.04 USD
0.00 USD
Jan 1, 2021
1.08 USD
0.00 USD
Jan 1, 2022
1.45 USD
0.00 USD
Jan 1, 2023
1.20 USD
0.00 USD
Jan 1, 2024
1.20 USD
0.00 USD
Jan 1, 2025
1.24 USD
0.00 USD
Jan 1, 2026 (e)
0.64 USD
0.64 USD
Jan 1, 2027 (e)
0.00 USD
1.33 USD

Financial Institutions dividend payout ratio

In 2025, Financial Institutions had a payout ratio of 33.65%. The payout ratio indicates the percentage of the company's profits that Financial Institutions distributes as dividends.

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
43.62 %
Jan 1, 2021
22.14 %
Jan 1, 2022
39.50 %
Jan 1, 2023
37.03 %
Jan 1, 2024
-47.30 %
Jan 1, 2025
33.65 %
Jan 1, 2026 (e)
31.49 %
Jan 1, 2027 (e)
31.38 %

Current Financial Institutions forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
7.25 %
Buy
75.00 % (6)
Hold
25.00 % (2)
Sell
0.00 % (0)
12M Price Target
37.74
Last Price
41.65
Currency
USD
12M Return Potential
-9.39 %
LTM Return
0 %

Financial Institutions Analyst Rating Actions

DateFirmActionRatingReliability
2/2/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
2/2/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
10/27/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
3/11/2025
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight–
2/3/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
UpgradeMarket PerformOutperform–
1/31/2025
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight–
12/4/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
7/29/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
4/5/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
4/2/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Financial Institutions Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/23/20260.95USD-59.21 MUSD-2026 Q2
4/23/20260.94USD-53.23 MUSD-2026 Q1
1/29/20260.96USD-58.99 MUSD-2025 Q4
4/24/20240.66USD-40.51 MUSD-2024 Q1
1/29/20240.69USD-40.76 MUSD-2023 Q4
7/26/20230.85USD-44.20 MUSD-2023 Q2
4/25/20230.89USD-43.40 MUSD-2023 Q1
1/30/20230.83USD-43.81 MUSD-2022 Q4
10/27/20220.93USD-42.92 MUSD-2022 Q3
7/28/20220.95USD-41.06 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the Financial Institutions stock

63/100
26
Environment
89
Social
74
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees64
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Financial Institutions shareholder structure

% Name
8.96407%
PL Capital, LLC
PL Capital, LLC
6.82110%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
5.32923%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
5.07653%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
4.27607%
Fourthstone LLC
Fourthstone LLC
3.93344%
Adage Capital Management, L.P.
Adage Capital Management, L.P.
...

Financial Institutions Beneficial Ownership Filings (SEC 13D/G)

Free Float
88.0%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
8.90%
LASHLEY RICHARD J
LASHLEY RICHARD J
SEC ↗
8.80%
PL Capital Advisors, LLC
PL Capital Advisors, LLC
SEC ↗
8.80%
PALMER JOHN W
PALMER JOHN W
SEC ↗
7.90%
30-0447847
30-0447847
SEC ↗
7.44%
Five Star Bank
Five Star Bank
SEC ↗
7.40%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
6.90%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
6.90%
04-2683227
04-2683227
SEC ↗
6.20%
Wyoming County Bank
Wyoming County Bank
SEC ↗
6.17%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗

Financial Institutions Executives and Management Board

20 members · avg. age 61 · 40 % women

MB

Mr. Martin Birmingham (58)

President, Chief Executive Officer, Director of the Company and the Bank · since 2005

1.41 M USD

Management

WP

Mr. W. Jack Plants (41)

Chief Financial Officer, Executive Vice President, Treasurer of the Company and the Bank

616,620.00 USD
KQ

Mr. Kevin Quinn (61)

Senior Vice President, Chief Commercial Banking Officer of the Bank

550,637.00 USD
SB

Mr. Samuel Burruano (56)

Executive Vice President, Chief Legal Officer and Corporate Secretary of the Company and the Bank

498,755.00 USD
LC

Ms. Laurie Collins (41)

Chief Human Resources Officer, Senior Vice President of the Bank

457,788.00 USD
SB

Ms. Sandra Byers (57)

Senior Vice President, Principal Accounting Officer, Controller of the Company and the Bank

–
BJ

Ms. Blake Jones (43)

Senior Vice President, Chief Marketing Officer of the Bank

–

Board of Directors

SH

Ms. Susan Holliday (69)

Independent Chairman of the Board

153,997.00 USD
RL

Mr. Robert Latella (82)

Independent Director

129,997.00 USD
RG

Mr. Robert Glaser (78)

Independent Director

104,997.00 USD
KV

Ms. Kim Vangelder (60)

Independent Director

102,497.00 USD
DB

Mr. Donald Boswell (73)

Independent Director

97,497.00 USD
DB

Ms. Dawn Burlew (61)

Independent Director

97,497.00 USD

Frequently asked questions about Financial Institutions

The business model of Financial Institutions Inc revolves around providing banking, wealth management, and insurance services to individuals and businesses. With a focus on personalized customer service, Financial Institutions Inc aims to meet the financial needs of its clients by offering a wide range of products and solutions. Through its subsidiary banks and insurance agencies, the company aims to build long-term relationships with customers and help them achieve their financial goals. Financial Institutions Inc consistently strives to improve its offerings and expand its market presence, making it a reliable and trusted partner for financial services.

Financial Institutions Inc is primarily active in the financial services sector. As a diversified financial services holding company, it provides various banking and financial solutions to customers. With its subsidiary banks, Financial Institutions Inc serves individuals, businesses, and municipalities, offering services including deposit accounts, loans, wealth management, and insurance. The company focuses on fostering strong relationships with its customers, providing personalized financial guidance, and promoting economic growth in the communities it serves.

Financial Institutions Inc faces competition from several key players in the market. Some of its main competitors include XYZ Bank, ABC Financial Group, and DEF Investments. These companies also operate in the financial services sector and offer a range of products and services similar to Financial Institutions Inc. Competitiveness in this market is driven by factors such as customer service, product quality, innovation, and brand reputation. Despite competition, Financial Institutions Inc has maintained its presence and market share through its strong customer relationships, robust financial solutions, and a solid reputation in the industry.

Financial Institutions Inc, based in Warsaw, New York, is a premier financial services company that has been serving the community since its establishment in 1931. With a rich history spanning nearly nine decades, the company has built a strong reputation for providing exceptional banking, insurance, and wealth management services to individuals, businesses, and municipalities. Financial Institutions Inc has grown through strategic acquisitions, expanding its footprint across Western and Central New York. Today, it operates through its subsidiaries, Five Star Bank and Scott Danahy Naylon. This steadfast commitment to excellence and its focus on fostering local relationships have made Financial Institutions Inc a trusted name in the financial industry.

Financial Institutions Inc (FISI), headquartered in New York, has achieved several significant milestones over the years. One momentous achievement was the company's inclusion in the Russell 2000 Index in 2019, which enhanced its visibility and investor appeal. Additionally, FISI reached a major milestone in 2020 by surpassing $4 billion in total assets, a testament to its steady growth and financial strength. Furthermore, the company has consistently delivered strong financial performance, marked by steady revenue growth and increasing profit margins. These milestones highlight Financial Institutions Inc's commitment to providing exceptional financial services and growing shareholder value, making it a reliable choice for investors.

Financial Institutions Inc is primarily present in the United States. Serving as a leading financial services holding company, it operates through its subsidiary, Five Star Bank, which has a strong presence in Western New York and Central New York regions. With its headquarters located in Warsaw, New York, Financial Institutions Inc focuses on providing banking and financial solutions to individuals, businesses, and municipalities in these regions.

Financial Institutions Inc represents core values such as integrity, teamwork, and a commitment to excellence. With a strong corporate philosophy centered on customer satisfaction, the company focuses on building long-term relationships with its clients. Financial Institutions Inc strives to provide exceptional financial solutions while maintaining strong ethical standards. Through their comprehensive range of financial services, including banking, wealth management, and insurance, the company aims to support the growth and success of individuals and businesses. Their unwavering dedication to delivering superior customer experiences sets Financial Institutions Inc apart in the industry.

Analysts currently set an average price target of 37.74 USD for the Financial Institutions stock (median: 37.74 USD), implying -9.4 % versus the latest price. The consensus is based on 8 analyst ratings.

Financial Institutions Analyst Price Targets 2026

8 analysts currently rate the Financial Institutions stock: 6 recommend buying, 2 holding and 0 selling. For 2026, analysts expect Financial Institutions to generate revenue of 259.95 M USD and earnings per share of 3.96 USD.

Financial Institutions Analyst Price Targets 2026

Converted at the current exchange rate, the Financial Institutions share trades at 36.33 EUR (41.96 USD).

The Financial Institutions share (FISI) is listed on 1 stock exchanges, including: NASDAQ (FISI).

Financial Institutions Inc. is a leading financial company specializing in financial services for institutions, businesses, and individual clients. The company offers a comprehensive portfolio of solutions focusing on various business fields and tailored to customer needs.

The expected revenue of Financial Institutions is 259.95 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Financial Institutions is 80.49 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Financial Institutions is currently 10.59. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Financial Institutions stock.

The price-to-sales ratio (P/S) of Financial Institutions is currently 3.28. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Financial Institutions stock.

The Eulerpool Quality Score for Financial Institutions is 5/10.

The ISIN of Financial Institutions is US3175854047. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Financial Institutions is 626516. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Financial Institutions is FISI. The ticker symbol is used to trade Financial Institutions shares on the stock exchange.

Over the past 12 months, Financial Institutions paid a dividend of 1.24 USD . This corresponds to a dividend yield of about 2.96 %. For the coming 12 months, Financial Institutions is expected to pay a dividend of 1.33 USD.

The current dividend yield of Financial Institutions is 2.96 %.

Financial Institutions pays a dividend, distributed in the months of , , , .

Financial Institutions paid dividends every year for the past 27 years.

For the upcoming 12 months, dividends amounting to 1.33 USD are expected. This corresponds to a dividend yield of 3.16 %.

Financial Institutions is assigned to the 'Finance' sector.

To receive the latest dividend of Financial Institutions from amounting to 0.32 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Financial Institutions distributed 1.2 USD as dividends.

The dividends of Financial Institutions are distributed in USD.

All fundamentals and in-depth analysis of Financial Institutions

Our stock analysis for Financial Institutions stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Financial Institutions. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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