FISI — Financial Institutions, Inc. stock price, charts and financials

QT82Financial Institutions, Inc.

Financial Institutions, Inc. (NASDAQ: FISI) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.

Latest market price
42.59
+1.13+2.73%
OverviewShort InterestFilings
FISIQT82Financial Institutions, Inc.·NASDAQ
42.59+2.73%
TA
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Signal & projected range
Earnings big beat — drift (PEAD)Historical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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TFIN+0.92%$76.63TCBK+0.87%$58.04CASH+2.84%$90.75STBA+0.44%$52.38GABC+0.43%$51.10NBHC+0.00%$43.19LOB+2.24%$43.76STEL+0.03%$39.32
Snapshot
Index-P/E10.14EPS (ttm)4.09Insider Own3.27%Shs Outstand19.69MPerf Week2.07%
Market Cap816.20MForward P/E9.81EPS next Y4.22Insider Trans0.10%Shs Float17.33MPerf Month3.47%
Enterprise Value10.32MPEG0.03EPS next Q1.01Inst Own-Short Float3.13%Perf Quarter21.69%
Income82.84MP/S2.59EPS this Y108.46%Inst Trans-Short Ratio3.77Perf Half Y25.90%
Sales315.59MP/B1.27EPS next Y3.94%ROA1.44%Short Interest542.04KPerf YTD33.01%
Book/sh-P/C21.31EPS next 5Y3.94%ROE13.09%52W High43.41 -1.89%Perf Year62.21%
Cash/sh-P/FCF23.71EPS past 3/5Y0.47% 9.43%ROIC3.42%52W Low25.29 68.40%Perf 3Y130.85%
Dividend Est.1.28 (3.01%)EV/EBITDA0.20Sales past 3/5Y16.19% 13.13%Gross Margin57.94%Volatility2.23% 2.59%Perf 5Y43.76%
Dividend TTM1.26 (2.96%)EV/Sales0.03EPS Y/Y TTM170.91%Oper. Margin15.60%ATR (14)1.04Perf 10Y54.53%
Dividend Ex-DateJun 12, 2026Quick Ratio9.13Sales Y/Y TTM19.70%Profit Margin26.18%RSI (14)64.69Recom2.67
Dividend Gr. 3/5Y2.25% 3.58%Current Ratio9.13EPS Q/Q22.35%SMA204.55%Beta0.65Target Price36.00
Payout23.97%Debt/Eq0.41Sales Q/Q-66.67%SMA508.47%Rel Volume0.85Prev Close41.46
Employees631LT Debt/Eq0.36EarningsOct 22SMA20024.14%Avg Volume155.35KPrice42.59
IPO DateJun 25, 1999Option/ShortYes / YesEPS/Sales Surpr.11.83% 1.22%Net Debt/EBITDA-15.62Volume131,690Change2.73%
Analyst Ratings
DateActionAnalystRatingTarget
Feb-02-26ReiteratedPiper SandlerNeutral$34 → $36
Dec-17-25ReiteratedPiper SandlerNeutral$33 → $34
Feb-03-25UpgradeKeefe, Bruyette & WoodsMarket Perform → Outperform
Dec-20-24ReiteratedPiper SandlerNeutral$19 → $33
Mar-25-24DowngradePiper SandlerOverweight → Neutral$19
Jul-13-23ReiteratedStephens$20
Oct-31-22DowngradeHovde GroupOutperform → Market Perform
Latest News
Jul-28-26
Jul-28-2607:01PM
Financial Institutions, Inc. 2026 Q2 - Results - Earnings Call PresentationSeekingAlpha
Jul-24-26
Jul-24-2612:48PM
Are You Looking for a High-Growth Dividend Stock?zacks.com
11:31AM
Financial Institutions, Inc. (FISI) Q2 2026 Earnings Call Transcriptseekingalpha.com
10:04AM
Financial Institutions Q2 Earnings Call Highlightsmarketbeat.com
Jul-23-26
Jul-23-2607:21PM
Financial Institutions (FISI) Q2 Earnings and Revenues Surpass Estimateszacks.com
04:05PM
Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $20.8 million, or $1.04 per Diluted Share, for the Second Quarter of 2026globenewswire.com
Jul-17-26
Jul-17-2601:11PM
Will Financial Institutions (FISI) Beat Estimates Again in Its Next Earnings Report?zacks.com
Jul-16-26
Jul-16-2611:06AM
Financial Institutions (FISI) Reports Next Week: Wall Street Expects Earnings Growthzacks.com
Jul-08-26
Jul-08-2612:46PM
Financial Institutions (FISI) Could Be a Great Choicezacks.com
Jun-30-26
Jun-30-2604:05PM
Financial Institutions, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Callglobenewswire.com
01:01PM
Are You Looking for a Top Momentum Pick? Why Financial Institutions (FISI) is a Great Choicezacks.com
Jun-26-26
Jun-26-2605:55PM
Dividend Champion, Contender, And Challenger Highlights: Week Of June 28SeekingAlpha
Jun-22-26
Jun-22-2603:45PM
Are You Looking for a High-Growth Dividend Stock?Yahoo
Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
Line Item (USD, M)
TTM
—
FY 2025
12/31/2025
FY 2024
12/31/2024
FY 2023
12/31/2023
FY 2022
12/31/2022
FY 2021
12/31/2021
FY 2020
12/31/2020
FY 2019
12/31/2019
FY 2018
12/31/2018
Total Revenue316378264333241212204209188
Cost of Goods Sold Incl. D&A134145176135434494739
Gross Profit18423388197198208155162149
Selling, General and Administrative Excl. Other1038875817667667372
Research and Development
000000000
Other Operating Expense325481535144432928
Operating Income4991-68637197465950
Interest Expense1251331501202912223930
Unusual Expense
—————————
Non-Operating Income (Expense)1751331501202912223930
Net Income Before Taxes10091-68637197465950
Income Taxes1716-2713142071110
Consolidated Net Income8275-42505778384940
Net Income From Continuing Operations8275-42505778384940
Net Income8275-42505778384940
EPS (Recurring)4.093.65-2.753.173.584.812.302.972.39
EPS (Basic, Before Extraordinaries)4.093.65-2.753.173.584.812.302.972.39
EPS (Diluted)1.953.61-2.753.153.564.782.302.962.39
EBITDA5199-607179105546856
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio21.848.63—6.766.846.659.7810.8410.75
Price To Sales Ratio2.701.651.650.961.522.401.762.462.19
Gross Margin58.2361.6433.3359.1682.1698.1175.9877.5179.26
Operating Margin15.5124.07-25.7618.9229.4645.7522.5528.2326.60
Net Margin25.9519.84-15.9115.0223.6536.7918.6323.4421.28
Shares Outstanding202016151516161616
Market Capitalization852623437320365509360514411
Operating Lease Expense
—————————
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Insider Trading Volume
$45.31$39.41$33.52$27.62$21.72● Close Price0.00K4.97K9.94K14.91K19.88KUSD Trades VolumeAugSepOctNovDec2026FebMarAprMayJunJulAug
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
PACOS GARY A.Chief Risk OfficerMar 20 '26Option Exercise0.002,30204,302Mar 23
Plants William Jack IIChief Financial OfficerMar 20 '26Option Exercise0.002,89809,057Mar 23
Quinn Kevin BChief Comm Banking OfficerMar 20 '26Option Exercise0.002,68407,959Mar 23
BYERS SANDRA Lother: Principal Accounting OfficerMar 20 '26Option Exercise0.0069002,150Mar 23
Burruano Samuel J JrChief Legal OfficerMar 20 '26Option Exercise0.002,416016,108Mar 23
BIRMINGHAM MARTIN KEARNEYPresident & CEOMar 20 '26Option Exercise0.0010,6720141,469Mar 23
Collins Laurie RChief Human Resources OfficerMar 20 '26Option Exercise0.002,25408,481Mar 23
Plants William Jack IIChief Financial OfficerMar 12 '26Buy30.1266019,8796,159Mar 12
BYERS SANDRA Lother: Principal Accounting OfficerJul 08 '25Option Exercise0.0025001,460Jul 09
Collins Laurie RChief Human Resources OfficerMar 16 '25Option Exercise0.003,56407,103Mar 18
Quinn Kevin BChief Comm Banking OfficerMar 16 '25Option Exercise0.004,06406,237Mar 18
BYERS SANDRA Lother: Principal Accounting OfficerMar 16 '25Option Exercise0.0041001,210Mar 18
BIRMINGHAM MARTIN KEARNEYPresident & CEOMar 16 '25Option Exercise0.006,3560133,088Mar 18
Plants William Jack IIChief Financial OfficerMar 16 '25Option Exercise0.004,20806,434Mar 18
Burruano Samuel J JrChief Legal OfficerMar 16 '25Option Exercise0.003,784014,598Mar 18
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.