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    Financial Institutions Inc (FISI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $39.27
    +0.64 (+1.66%)

    Market Cap: $761.26M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +13.24%
    Streak
    6 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.05
    Range$1.05 - $1.05
    2 analysts
    EPS RevisionsNo revisions (7d)
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.01+3.4%
    60d ago$1.01+3.4%
    30d ago$1.01+3.4%
    7d ago$1.050.0%
    Current$1.05
    Revenue Consensus
    $67M
    Range$66M - $67M
    2 analysts
    Period ending 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
    Reported Jul 23
    		$1.04$0.93+11.83%Beat+22.4%
    Mar 26
    Reported Apr 23
    		$1.04$0.92+13.04%Beat+28.4%
    Dec 25
    Reported Jan 29
    		$0.96$0.95+1.05%Beat+77.8%
    Sep 25
    Reported Oct 23
    		$0.99$0.88+12.50%Beat+17.9%
    Jun 25
    Reported Jul 24
    		$0.85$0.83+2.41%Beat-47.5%
    Mar 25
    Reported Apr 28
    		$0.81$0.74+9.46%Beat+636.4%
    Dec 24
    Reported Jan 30
    		$0.54$0.56-3.57%Miss-11.5%
    Sep 24
    Reported Oct 24
    		$0.84$0.76+10.53%Beat-4.5%
    Jun 24
    Reported Jul 25
    		$1.62$0.60+170.00%Beat+78.0%
    Mar 24
    Reported Apr 25
    		$0.11N/A-82.26%Miss-85.5%
    Dec 23
    Reported Jan 25
    		$0.61$0.72-15.28%Miss-21.8%
    Sep 23
    Reported Oct 26
    		$0.88$0.84+4.76%Beat+0.0%
    Jun 23
    Reported Jul 27
    		$0.91$0.75+21.33%Beat-8.1%
    Mar 23
    Reported Apr 26
    		$0.76$0.81-6.17%Miss-18.3%
    Dec 22
    Reported Jan 30
    		$0.78$0.81-3.70%Miss-35.5%
    Sep 22
    Reported Oct 27
    		$0.88$0.91-3.30%Miss-16.2%
    Jun 22
    Reported Jul 28
    		$0.99$0.93+6.45%Beat-20.8%
    Mar 22
    Reported Apr 27
    		$0.93$0.84+10.71%Beat-26.8%
    Dec 21
    Reported Jan 31
    		$1.21$1.00+21.00%Beat+44.0%
    Sep 21
    Reported Oct 28
    		$1.05$0.89+17.98%Beat+41.9%
    Jun 21
    Reported Jul 29
    		$1.25$0.86+45.35%Beat+86.6%
    Mar 21
    Reported Apr 28
    		$1.27$0.76+67.11%Beat+2440.0%
    Dec 20
    Reported Jan 28
    		$0.84$0.69+21.74%Beat+6.3%
    Sep 20
    Reported Oct 29
    		$0.74$0.48+54.17%Beat-5.1%
    Jun 20
    Reported Jul 29
    		$0.67$0.27+148.15%Beat-2.9%
    Mar 20
    Reported Apr 30
    		$0.05N/A-88.89%Miss-92.9%
    Dec 19
    Reported Jan 30
    		$0.79$0.65+21.54%Beat+75.6%
    Sep 19
    Reported Oct 29
    		$0.78$0.68+14.71%Beat+21.9%
    Jun 19
    Reported Jul 29
    		$0.69$0.65+6.15%Beat-6.8%
    Mar 19
    Reported Apr 30
    		$0.70$0.61+14.75%Beat+25.0%
    Dec 18
    Reported Jan 31
    		$0.45$0.61-26.23%Miss-8.2%
    Sep 18
    Reported Oct 25
    		$0.64$0.63+1.59%Beat+23.1%
    Jun 18
    Reported Jul 26
    		$0.74$0.59+25.42%Beat+45.1%
    Mar 18
    Reported Apr 26
    		$0.56$0.57-1.75%Miss+7.7%
    Dec 17
    Reported Jan 29
    		$0.49$0.51-3.92%Miss-14.0%
    Sep 17
    Reported Oct 24
    		$0.52$0.50+4.00%Beat-
    Jun 17
    Reported Jul 25
    		$0.51$0.50+2.00%Beat-
    Mar 17
    Reported Apr 25
    		$0.52$0.51+1.96%Beat-
    Dec 16
    Reported Jan 24
    		$0.57$0.52+9.62%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.26%
    Forward Annual Dividend$1.28
    Payout Ratio30.29%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+2.25%
    5Y CAGR+3.58%
    FISI dividend history and ex-dividend datesRun FISI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.74EV/EBITDA9.84x
    Price/FCF13.76xFCF Yield7.27%
    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 Volume133.32K
    52-Week High$42.6352-Week Low$24.74

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$39.06
    SMA 20$39.46
    SMA 50$40.27
    SMA 200$35.88
    EMA 10$39.06
    EMA 20$39.39
    EMA 50$39.66
    EMA 200$36.22

    MACD

    Line: -0.41Signal: -0.38Hist: -0.03

    ADX

    ADX: 27.5+DI: 18.6-DI: 29.1

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down96.0
    PSAR$39.34

    Bollinger Bands

    Upper Band$40.73
    Lower Band$38.18
    %B Position648%(Upper)
    Band Width0.43

    RSI (14-Day)

    Neutral
    47.0

    Momentum Oscillators

    Stoch %K38.0
    Stoch %D31.0
    Williams %R-42.7
    ROC (10d)-0.5%
    Momentum-0.21
    CCI (20d)-43.5
    MFI (14d)33.0

    Volatility Measures

    ATR (14d)$0.85(2.2%)
    StdDev (20d)0.64
    Hist Vol16.9%(Low)

    Volume Flow

    VWAP$39.05
    OBV5.2M
    AD Line-66.6M
    CMF (20d)0.083

    Volume Metrics

    Avg Vol (20d)125.6K
    Vol Ratio0.7x
    VWMA (20d)$39.64

    Pivot Points

    R3$39.89
    R2$39.32
    R1$38.97
    Pivot Point$38.40
    S1$38.05
    S2$37.48
    S3$37.13

    Advanced Oscillators

    TSI-16.21
    Ultimate Osc58.0
    KST-35.51

    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

    Financial Institutions (NASDAQ:FISI) Share Price Breaks Above Two Hundred Day Moving Average - What's Next?

    Financial Institutions (NASDAQ:FISI) saw its share price break above its 200-day moving average, reaching $38.74 before closing at $38.63...

    MarketBeat•10/15/26•Bullish

    (FISI) Movement Within Algorithmic Entry Frameworks

    Financial Institutions Inc. (NASDAQ: FISI) is experiencing weak near and mid-term sentiment, potentially challenging its long-term positive outlook...

    Stock Traders Daily•10/11/26•Somewhat-Bearish

    Financial Institutions, Inc. (FISI) Stock Price, News, Quote & History

    This article provides comprehensive financial data for Financial Institutions, Inc. (FISI), including its stock price, historical performance, key financial metrics...

    Yahoo! Finance Canada•10/10/26•Neutral

    Financial Institutions (NASDAQ:FISI) Share Price Breaks Above 200 Day Moving Average - Here's What Happened

    Financial Institutions (NASDAQ:FISI) saw its share price break above its 200-day moving average, reaching $39.95 before closing at $39.28. The company has a "Moderate Buy" consensus rating from analysts with an average...

    MarketBeat•10/7/26•Bullish

    Financial Institutions schedules Q3FY26 earnings release for Oct 29

    Financial Institutions Inc. (NASDAQ: FISI) will release its Q3 FY26 earnings after market close on October 29, 2026, with an earnings call scheduled for October 30 at 8:30 am ET. The company...

    scanx.trade•10/2/26•Neutral

    FISI Valuation and Fair Value

    P/E
    9.7x
    Forward P/E
    11.3x
    EV/EBITDA
    9.8x
    P/FCF
    13.8x
    PEG
    1.4x
    P/B
    1.2x
    See GNG's fair value

    FISI Profitability: Margins, ROIC and FCF

    Operating margin
    43.6%
    Net margin
    33.9%
    ROIC
    9.1%
    ROE
    13.3%
    FCF margin
    22.1%
    FCF yield
    7.3%

    FISI Competitors

    CompanyTicker
    Southern Missouri Bancorp IncSMBC
    Root IncROOT
    B. Riley Financial, Inc. 6.50% Senior Notes Due 2026RILYN
    Brighthouse Financial, Inc.BHFAO
    GCM Grosvenor IncGCMG
    Peapack-Gladstone FinancialPGC
    South Plains Financial IncSPFI
    Fidus Investment CorpFDUS

    Sector: Financial Services

    FISI Bull Case vs Bear Case

    Bull case

    • FISI converts 22.1% of revenue into free cash flow.
    • FISI has a 33.9% net profit margin.
    • FISI beat EPS estimates in 87.5% of its last 8 reported quarters.

    FISI Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    7.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.05
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    FISI Dividend

    Forward yield
    3.3%
    Payout ratio
    30.3%
    3Y DPS growth
    2.2%
    5Y DPS growth
    3.6%
    Pay months
    Jan, Apr, Jul, Oct
    FISI dividend history

    Frequently Asked Questions About FISI

    What is FISI's current dividend yield?

    Financial Institutions Inc (FISI) has a forward dividend yield of 3.26%.

    Does FISI pay dividends?

    Yes, Financial Institutions Inc pays dividends with a forward dividend yield of 3.26%.

    What is FISI's P/E ratio?

    Financial Institutions Inc has a price-to-earnings (P/E) ratio of 9.74.

    What is FISI's market cap?

    Financial Institutions Inc (FISI) has a market capitalization of $761.26M with a current stock price of $39.27.

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