F

    Financial Institutions Inc (FISI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $40.52
    -0.44 (-1.07%)

    Market Cap: $807.17M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    75%(30/40)
    Avg Surprise
    +13.21%
    Streak
    6 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.05
    Range$1.05 - $1.05
    2 analysts
    EPS RevisionsNo revisions (7d)
    2
    0
    30d
    EPS Estimate Drift
    90d ago$1.01-3.3%
    60d ago$1.01-3.3%
    30d ago$1.01-3.3%
    7d ago$1.05+0.0%
    Current$1.05
    Revenue Consensus
    $67M
    Range$66M - $67M
    2 analysts
    Dec 31, 2026
    EPS Consensus$1.29
    Range$1.28 - $1.30
    2 analysts
    Revenue Consensus
    $68M
    Range$67M - $69M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.29---
    Sep 26EST
    		-$1.05---
    Jun 26
    		$1.04$0.93+11.83%Beat+22.4%
    Mar 26
    		$1.04$0.92+13.04%Beat+28.4%
    Dec 25
    		$0.96$0.95+1.05%Beat+77.8%
    Sep 25
    		$0.99$0.88+12.50%Beat+17.9%
    Jun 25
    		$0.85$0.83+2.41%Beat-47.5%
    Mar 25
    		$0.81$0.74+9.46%Beat+636.4%
    Dec 24
    		$0.54$0.56-3.57%Miss-11.5%
    Sep 24
    		$0.84$0.76+10.53%Beat-4.5%
    Jun 24
    		$1.62$0.60+170.00%Beat+78.0%
    Mar 24
    		$0.11N/A-82.26%Miss-85.5%
    Dec 23
    		$0.61$0.72-15.28%Miss-21.8%
    Sep 23
    		$0.88$0.84+4.76%Beat+0.0%
    Jun 23
    		$0.91$0.75+21.33%Beat-8.1%
    Mar 23
    		$0.76$0.81-6.17%Miss-18.3%
    Dec 22
    		$0.78$0.81-3.70%Miss-35.5%
    Sep 22
    		$0.88$0.91-3.30%Miss-16.2%
    Jun 22
    		$0.99$0.93+6.45%Beat-20.8%
    Mar 22
    		$0.93$0.84+10.71%Beat-26.8%
    Dec 21
    		$1.21$1.00+21.00%Beat+44.0%
    Sep 21
    		$1.05$0.89+17.98%Beat+41.9%
    Jun 21
    		$1.25$0.86+45.35%Beat+86.6%
    Mar 21
    		$1.27$0.76+67.11%Beat+2440.0%
    Dec 20
    		$0.84$0.69+21.74%Beat+6.3%
    Sep 20
    		$0.74$0.48+54.17%Beat-5.1%
    Jun 20
    		$0.67$0.27+148.15%Beat-2.9%
    Mar 20
    		$0.05N/A-88.89%Miss-92.9%
    Dec 19
    		$0.79$0.65+21.54%Beat+75.6%
    Sep 19
    		$0.78$0.68+14.71%Beat+21.9%
    Jun 19
    		$0.69$0.65+6.15%Beat-6.8%
    Mar 19
    		$0.70$0.61+14.75%Beat+25.0%
    Dec 18
    		$0.45$0.61-26.23%Miss-8.2%
    Sep 18
    		$0.64$0.63+1.59%Beat+23.1%
    Jun 18
    		$0.74$0.59+25.42%Beat+45.1%
    Mar 18
    		$0.56$0.57-1.75%Miss+7.7%
    Dec 17
    		$0.49$0.51-3.92%Miss-14.0%
    Sep 17
    		$0.52$0.50+4.00%Beat-7.1%
    Jun 17
    		$0.51$0.50+2.00%Beat-
    Mar 17
    		$0.52$0.51+1.96%Beat-
    Dec 16
    		$0.57$0.52+9.62%Beat-
    Sep 16
    		$0.56$0.50+12.00%Beat-

    Dividends

    Dividend Metrics

    Yield3.11%
    Annual/Share$1.26
    Payout Ratio30.05%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+2.25%
    5Y CAGR+3.58%
    View FISI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio10.05EV/EBITDAN/A
    Price/FCF14.20xFCF Yield7.04%
    Profitability
    Profit Margin33.90%Operating Margin43.60%
    ROE13.30%ROIC9.14%
    Financial Health
    Debt/Equity0.41xInterest Coverage0.80x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.64Avg Volume152.25K
    52-Week High$42.9752-Week Low$24.89

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$40.91
    SMA 20$41.40
    SMA 50$40.26
    SMA 200$34.49
    EMA 10$40.94
    EMA 20$40.99
    EMA 50$40.00
    EMA 200$35.18

    MACD

    Line: 0.10Signal: 0.31Hist: -0.20

    ADX

    ADX: 14.2+DI: 17.1-DI: 25.7

    Aroon & PSAR

    Aroon Up20.0
    Aroon Down92.0
    PSAR$41.59

    Bollinger Bands

    Upper Band$42.61
    Lower Band$40.18
    %B Position588%(Upper)
    Band Width0.14

    RSI (14-Day)

    Neutral
    45.9

    Momentum Oscillators

    Stoch %K36.3
    Stoch %D30.1
    Williams %R-75.2
    ROC (10d)-2.5%
    Momentum-1.04
    CCI (20d)-104.8
    MFI (14d)35.9

    Volatility Measures

    ATR (14d)$0.78(1.9%)
    StdDev (20d)0.61
    Hist Vol10.9%(Low)

    Volume Flow

    VWAP$40.63
    OBV2.3M
    AD Line-70.0M
    CMF (20d)-0.086

    Volume Metrics

    Avg Vol (20d)149.1K
    Vol Ratio0.9x
    VWMA (20d)$41.35

    Pivot Points

    R3$41.80
    R2$41.58
    R1$41.27
    Pivot Point$41.04
    S1$40.73
    S2$40.51
    S3$40.20

    Advanced Oscillators

    TSI4.42
    Ultimate Osc45.1
    KST17.05

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$64.31M$62.67M$64.12M$63.84M$59.74M$57.24M$-49,403,000$50.12M$65.21M$50.98M$55.25M$52.16M
    Cost of RevenueN/A$29.57M$35.84M$35.51M$36.54M$36.82M$43.30M$40.74M$40.03M$52.05M$41.93M$34.18M
    Gross ProfitN/A$62.67M$60.72M$60.75M$56.64M$54.19M$-57,055,000$46.21M$61.97M$36.92M$49.31M$50.62M
    Operating Expenses$35.60M$35.59M$36.72M$35.88M$35.68M$33.69M$59.40M$32.47M$33.02M$54.01M$35.05M$34.73M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$24.83M$24.00M$25.24M$21.50M$20.62M$-115,268,000$14.55M$30.15M$2.43M$14.94M$16.46M
    Interest Income$83.08M$81.56M$84.65M$84.42M$82.87M$81.05M$78.12M$77.91M$78.79M$78.41M$76.55M$74.70M
    Interest Expense$29.71M$29.57M$32.44M$32.63M$33.74M$34.19M$36.49M$37.23M$37.59M$38.33M$36.66M$33.02M
    Income Before Tax$25.60M$24.83M$24.00M$25.24M$21.50M$20.62M$-115,268,000$14.55M$30.15M$2.43M$14.94M$16.46M
    Income Tax Expense$4.42M$3.85M$4.02M$4.76M$3.96M$3.75M$-32,457,000$1.08M$4.52M$356,000$5.16M$2.44M
    Net Income$21.18M$20.98M$19.98M$20.48M$17.53M$16.88M$-82,811,000$13.47M$25.63M$2.07M$9.78M$14.02M
    EBITDA$25.26M$24.63M$23.86M$25.34M$22.14M$21.57M$-113,427,000$16.93M$32.75M$5.17M$23.09M$13.98M
    EBIT$25.60M$24.83M$24.00M$25.24M$21.50M$20.62M$-115,268,000$14.55M$30.15M$2.43M$14.94M$16.46M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Ategra Capital Management LLC Takes Position in Financial Institutions, Inc. $FISI

    Ategra Capital Management LLC has acquired a significant new stake in Financial Institutions, Inc. (NASDAQ:FISI), purchasing 564,100 shares valued at approximately $22.0 million, making it their second-largest holding. The company recently reported strong quarterly earnings of $1.04 per share and revenue of $64.31 million, both exceeding analyst expectations. Analysts maintain a generally positive outlook, with an average "Moderate Buy" rating and a target price of $45.00, while the stock currently trades near its 52-week high.

    MarketBeat•8/25/26•
    Bullish

    GSA Capital Partners LLP Purchases Shares of 37,429 Financial Institutions, Inc. $FISI

    GSA Capital Partners LLP has acquired 37,429 shares of Financial Institutions, Inc. (NASDAQ:FISI) for approximately $1.46 million, giving them a 0.19% stake. Institutional investors now own 60.45% of the company. The stock has a "Moderate Buy" consensus rating with a $45 price target, and the company recently surpassed Q2 earnings and revenue estimates.

    MarketBeat•8/17/26•
    Bullish

    Financial Institutions, Inc. remains a Buy with improved profitability and strong valuation.

    Financial Institutions, Inc. (FISI) has maintained a Buy rating due to its improved profitability and strengthened capital ratios. The company's net interest margin increased to 3.70% in Q2 2026, driven by reduced funding costs and higher-yielding loan replacements. FISI also presents an attractive valuation with a forward P/E ratio below 10 and a 3.06% forward yield, appealing to investors.

    Pluang•8/16/26•
    Neutral

    Sei Investments Co. Purchases 34,601 Shares of Financial Institutions, Inc. $FISI

    Sei Investments Co. significantly increased its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 205.0% in the first quarter, now owning 51,480 shares valued at $1.63 million. Other institutional investors also adjusted their holdings in FISI. The stock has a "Moderate Buy" consensus rating from analysts with an average price target of $45.00, and the company recently declared a quarterly dividend of $0.32 per share.

    MarketBeat•8/11/26•
    Somewhat-Bullish

    (FISI) Risk Channels and Responsive Allocation

    This article provides an AI-driven analysis of Financial Institutions Inc. (FISI), highlighting a neutral near-term sentiment amidst mid and long-term strength. It offers three distinct trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—tailored to different risk profiles, along with multi-timeframe signal analysis indicating support and resistance levels. The analysis emphasizes the potential for upside due to the absence of resistance levels above the current price.

    Stock Traders Daily•8/10/26•
    Neutral

    Frequently Asked Questions About FISI

    What is FISI's current dividend yield?
    Financial Institutions Inc (FISI) has a current dividend yield of 3.11%.
    Does FISI pay dividends?
    Yes, Financial Institutions Inc pays dividends with a current yield of 3.11%.
    What is FISI's P/E ratio?
    Financial Institutions Inc has a price-to-earnings (P/E) ratio of 10.05.
    What is FISI's market cap?
    Financial Institutions Inc (FISI) has a market capitalization of $807.17M with a current stock price of $40.52.

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