FISI — Financial Institutions, Inc. stock price, charts and financials
QT71Financial 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.
| Index | - | P/E | 10.08 | EPS (ttm) | 4.04 | Insider Own | 3.27% | Shs Outstand | 19.69M | Perf Week | -0.90% |
| Market Cap | 801.63M | Forward P/E | 9.47 | EPS next Y | 4.30 | Insider Trans | 0.09% | Shs Float | 17.33M | Perf Month | -2.04% |
| Enterprise Value | 1.03B | PEG | 3.83 | EPS next Q | 1.05 | Inst Own | - | Short Float | 3.20% | Perf Quarter | 9.99% |
| Income | 82.00M | P/S | 2.54 | EPS this Y | 3.71% | Inst Trans | - | Short Ratio | 3.14 | Perf Half Y | 34.39% |
| Sales | 316.00M | P/B | 1.25 | EPS next Y | 2.63% | ROA | 1.30% | Short Interest | 554.92K | Perf YTD | 30.64% |
| Book/sh | 32.66 | P/C | 13.36 | EPS next 5Y | 2.63% | ROE | 13.09% | 52W High | 42.97 -5.24% | Perf Year | 54.89% |
| Cash/sh | 3.05 | P/FCF | 14.32 | EPS past 3/5Y | 0.47% 9.43% | ROIC | 0.64% | 52W Low | 25.61 59.00% | Perf 3Y | 132.02% |
| Dividend Est. | 1.28 (3.14%) | EV/EBITDA | 20.25 | Sales past 3/5Y | 16.19% 13.13% | Gross Margin | 57.94% | Volatility | 2.00% 1.84% | Perf 5Y | 35.46% |
| Dividend TTM | 1.27 (3.12%) | EV/Sales | 3.27 | EPS Y/Y TTM | 246.91% | Oper. Margin | 15.60% | ATR (14) | 0.80 | Perf 10Y | 50.87% |
| Dividend Ex-Date | Sep 15, 2026 | Quick Ratio | 0.47 | Sales Y/Y TTM | 19.70% | Profit Margin | 26.18% | RSI (14) | 48.56 | Recom | 2.67 |
| Dividend Gr. 3/5Y | 2.25% 3.58% | Current Ratio | 0.47 | EPS Q/Q | 22.35% | SMA20 | -0.33% | Beta | 0.63 | Target Price | 45.00 |
| Payout | 32.01% | Debt/Eq | 0.53 | Sales Q/Q | -66.67% | SMA50 | -0.15% | Rel Volume | 1.71 | Prev Close | 40.23 |
| Employees | 631 | LT Debt/Eq | 0.36 | Earnings | Oct 22 | SMA200 | 14.76% | Avg Volume | 170.96K | Price | 40.72 |
| IPO Date | Jun 25, 1999 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 11.83% 1.22% | Net Debt/EBITDA | 4.49 | Volume | 292,535 | Change | 1.22% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-03-26 | Reiterated | Piper Sandler | Neutral | $36 → $45 |
| Feb-02-26 | Reiterated | Piper Sandler | Neutral | $34 → $36 |
| Dec-17-25 | Reiterated | Piper Sandler | Neutral | $33 → $34 |
| Feb-03-25 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Dec-20-24 | Reiterated | Piper Sandler | Neutral | $19 → $33 |
| Mar-25-24 | Downgrade | Piper Sandler | Overweight → Neutral | $19 |
| Jul-13-23 | Reiterated | Stephens | $20 | |
| Oct-31-22 | Downgrade | Hovde Group | Outperform → Perform |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| 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 Revenue | 316 | 378 | 264 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 134 | 145 | 176 | — | — | — | — | — | — | |
| Gross Profit | 184 | 233 | 88 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 103 | 88 | 75 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 32 | 54 | 81 | — | — | — | — | — | — | |
| Operating Income | 49 | 91 | -68 | — | — | — | — | — | — | |
| Interest Expense | 125 | 133 | 150 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 175 | 133 | 150 | — | — | — | — | — | — | |
| Net Income Before Taxes | 100 | 91 | -68 | — | — | — | — | — | — | |
| Income Taxes | 17 | 16 | -27 | — | — | — | — | — | — | |
| Consolidated Net Income | 82 | 75 | -42 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 82 | 75 | -42 | — | — | — | — | — | — | |
| Net Income | 82 | 75 | -42 | — | — | — | — | — | — | |
| EPS (Recurring) | 4.09 | 3.65 | -2.75 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 4.09 | 3.65 | -2.75 | — | — | — | — | — | — | |
| EPS (Diluted) | 4.04 | 3.61 | -2.75 | — | — | — | — | — | — | |
| EBITDA | 51 | 99 | -60 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 10.08 | 8.63 | — | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.58 | 1.65 | 1.65 | — | — | — | — | — | — | |
| Gross Margin | 58.23 | 61.64 | 33.33 | — | — | — | — | — | — | |
| Operating Margin | 15.51 | 24.07 | -25.76 | — | — | — | — | — | — | |
| Net Margin | 25.95 | 19.84 | -15.91 | — | — | — | — | — | — | |
| Shares Outstanding | 20 | 20 | 16 | — | — | — | — | — | — | |
| Market Capitalization | 814 | 623 | 437 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Zupan Mark | Director | Sep 02 '26 | Buy | 40.77 | 608 | 24,789 | 15,909 | Sep 03 |
| Plants William Jack II | Chief Financial Officer | Mar 20 '26 | Option Exercise | 0.00 | 2,898 | 0 | 9,057 | Mar 23 |
| PACOS GARY A. | Chief Risk Officer | Mar 20 '26 | Option Exercise | 0.00 | 2,302 | 0 | 4,302 | Mar 23 |
| Quinn Kevin B | Chief Comm Banking Officer | Mar 20 '26 | Option Exercise | 0.00 | 2,684 | 0 | 7,959 | Mar 23 |
| BYERS SANDRA L | other: Principal Accounting Officer | Mar 20 '26 | Option Exercise | 0.00 | 690 | 0 | 2,150 | Mar 23 |
| Burruano Samuel J Jr | Chief Legal Officer | Mar 20 '26 | Option Exercise | 0.00 | 2,416 | 0 | 16,108 | Mar 23 |
| BIRMINGHAM MARTIN KEARNEY | President & CEO | Mar 20 '26 | Option Exercise | 0.00 | 10,672 | 0 | 141,469 | Mar 23 |
| Collins Laurie R | Chief Human Resources Officer | Mar 20 '26 | Option Exercise | 0.00 | 2,254 | 0 | 8,481 | Mar 23 |
| Plants William Jack II | Chief Financial Officer | Mar 12 '26 | Buy | 30.12 | 660 | 19,879 | 6,159 | Mar 12 |
| BYERS SANDRA L | other: Principal Accounting Officer | Jul 08 '25 | Option Exercise | 0.00 | 250 | 0 | 1,460 | Jul 09 |
| Collins Laurie R | Chief Human Resources Officer | Mar 16 '25 | Option Exercise | 0.00 | 3,564 | 0 | 7,103 | Mar 18 |
| Quinn Kevin B | Chief Comm Banking Officer | Mar 16 '25 | Option Exercise | 0.00 | 4,064 | 0 | 6,237 | Mar 18 |
| BYERS SANDRA L | other: Principal Accounting Officer | Mar 16 '25 | Option Exercise | 0.00 | 410 | 0 | 1,210 | Mar 18 |
| BIRMINGHAM MARTIN KEARNEY | President & CEO | Mar 16 '25 | Option Exercise | 0.00 | 6,356 | 0 | 133,088 | Mar 18 |
| Plants William Jack II | Chief Financial Officer | Mar 16 '25 | Option Exercise | 0.00 | 4,208 | 0 | 6,434 | Mar 18 |