Latest market price
39.37
-1.51-3.69%
OverviewShort InterestFilings
FISIQT58Financial Institutions, Inc.·NASDAQ
39.37-3.69%
News
Down 3.7% — Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026 (globenewswire.com).
Medium confidence
TA
Loading chart...
Signal & projected range
Gap down — mean-reversionHistorical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
Unlock the projected rangeSee where this setup landed historically — with Premium.
Unlock with Premium

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.

Screen all →
TCBK-1.80%$52.52FSUN-0.46%$39.17HOPE-2.72%$13.21OCFC+0.73%$17.94BY-1.18%$38.50INTR-3.84%$4.01STBA-1.06%$50.55HAPN-3.18%$15.53
Snapshot
Index—P/E40.17EPS (ttm)0.98Insider Own3.25%Shs Outstand19.71MPerf Week-2.98%
Market Cap775.84MForward P/E9.16EPS next Y4.30Insider Trans0.10%Shs Float17.33MPerf Month-0.28%
Enterprise Value1.01BPEG2.69EPS next Q—Short Float4.29%Perf Quarter-7.56%
Income75.00MP/S2.05EPS this Y17.37%Short Ratio5.23Perf Half Y14.15%
Sales378.00MP/B1.21EPS next Y2.63%ROA1.42%Short Interest742.88KPerf YTD26.31%
Book/sh32.63P/C12.93EPS next 5Y3.63%ROE10.47%52W High42.97 -8.38%Perf Year36.13%
Cash/sh3.04P/FCF—EPS past 3/5Y0.47% 9.43%ROIC-1.99%52W Low28.00 40.61%Perf 3Y153.18%
Dividend Est.1.28 (3.25%)EV/EBITDA10.17Sales past 3/5Y16.19% 13.13%Gross Margin0.76%Volatility1.96% 2.03%Perf 5Y23.42%
Dividend TTM1.27 (3.23%)EV/Sales2.66EPS Y/Y TTM—Oper. Margin-40.57%ATR (14)0.92Perf 10Y49.81%
Dividend Ex-DateSep 15, 2026Quick Ratio8.85Sales Y/Y TTM-75.19%Profit Margin—RSI (14)43.81Recom2.67
Dividend Gr. 3/5Y2.25% 3.58%Current Ratio8.85EPS Q/Q0.00%SMA20-0.68%Beta0.64Target Price45.00
Payout32.20%Debt/Eq0.45Sales Q/Q-260.42%SMA50-1.95%Rel Volume1.96Prev Close40.88
Employees631LT Debt/Eq0.17EarningsFeb 01SMA2007.18%Avg Volume130.51KPrice39.37
IPO DateJun 25, 1999Option/ShortYes / YesEPS/Sales Surpr.-5.71% -2.71%Net Debt/EBITDA2.33Volume256,194Change-3.69%
Analyst Ratings
DateActionAnalystRatingTarget
Aug-03-26ReiteratedPiper SandlerNeutral$36 → $45
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· Times ET
Nov-01-26
Nov-01-2610:47AM
Financial Institutions: Despite Disappointing Q3, The Big Picture Is Still Compellingseekingalpha.com
Oct-30-26
Oct-30-2610:38AM
Financial Institutions, Inc. (FISI) Q3 2026 Earnings Call Transcriptseekingalpha.com
10:15AM
Financial Institutions Q3 Earnings Call Highlightsmarketbeat.com
04:58AM
Financial Institutions Q3 2026 Earnings Call TranscriptBenzinga
Oct-29-26
Oct-29-2608:06PM
Financial Institutions (FISI) Lags Q3 Earnings and Revenue Estimateszacks.com
04:05PM
Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026globenewswire.com
Oct-22-26
Oct-22-2603:50PM
Northeast Community Bancorp (NECB) Q3 Earnings and Revenues Miss EstimatesYahoo
Oct-20-26
Oct-20-2609:00AM
From Ambition to Execution: i2c and American Banker Research Maps Financial Institutions’ Agentic AI ReadinessYahoo
Oct-15-26
Oct-15-2602:41AM
Financial Institutions (NASDAQ:FISI) Share Price Breaks Above Two Hundred Day Moving Average – What’s Next?defenseworld.net
Oct-08-26
Oct-08-2612:26PM
Regulator Highlights AI Risks to Canada's Financial SystemYahoo
Oct-07-26
Oct-07-2602:21AM
Financial Institutions (NASDAQ:FISI) Share Price Breaks Above 200 Day Moving Average – Here’s What Happeneddefenseworld.net
Oct-01-26
Oct-01-2604:05PM
Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Callglobenewswire.com
Sep-28-26
Sep-28-2612:45PM
Why Financial Institutions (FISI) is a Great Dividend Stock Right Nowzacks.com
Sep-25-26
Sep-25-2607:04PM
Dividend Champion, Contender, And Challenger Highlights: Week September 27SeekingAlpha
Sep-17-26
Sep-17-2601:01PM
Financial Institutions (FISI) Upgraded to Buy: Here's Whyzacks.com
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)
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
FY 2017
12/31/2017
Total Revenue378264333——————
Cost of Goods Sold Incl. D&A145176135——————
Gross Profit23388197——————
Selling, General and Administrative Excl. Other887581——————
Research and Development
000——————
Other Operating Expense548153——————
Operating Income91-6863——————
Interest Expense133150120——————
Unusual Expense
—————————
Non-Operating Income (Expense)133150120——————
Net Income Before Taxes91-6863——————
Income Taxes16-2713——————
Consolidated Net Income75-4250——————
Net Income From Continuing Operations75-4250——————
Net Income75-4250——————
EPS (Recurring)3.65-2.753.17——————
EPS (Basic, Before Extraordinaries)3.65-2.753.17——————
EPS (Diluted)3.61-2.753.15——————
EBITDA99-6071——————
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio8.63—6.76——————
Price To Sales Ratio1.651.650.96——————
Gross Margin61.6433.3359.16——————
Operating Margin24.07-25.7618.92——————
Net Margin19.84-15.9115.02——————
Shares Outstanding201615——————
Market Capitalization623437320——————
Operating Lease Expense
—————————
Unlock full historical data
See years of past statements with Premium.
Unlock with Premium
Insider Trading Volume
$45.25$39.73$34.21$28.69$23.17● Close Price0.00K6.20K12.39K18.59K24.79KUSD Trades VolumeNovDec2026FebMarAprMayJunJulAugSepOctNov
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
JONES BLAKE GChief Marketing OfficerSep 25 '26Option Exercise0.002,00001,000Sep 28
Zupan MarkDirectorSep 02 '26Buy40.7760824,78915,909Sep 03
Plants William Jack IIChief Financial OfficerMar 20 '26Option Exercise0.002,89809,057Mar 23
PACOS GARY A.Chief Risk OfficerMar 20 '26Option Exercise0.002,30204,302Mar 23
Quinn Kevin BChief Comm Banking OfficerMar 20 '26Option Exercise0.002,68407,959Mar 23
BYERS SANDRA LPrincipal 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 LPrincipal 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 LPrincipal Accounting OfficerMar 16 '25Option Exercise0.0041001,210Mar 18
BIRMINGHAM MARTIN KEARNEYPresident & CEOMar 16 '25Option Exercise0.006,3560133,088Mar 18
open in yahoo·open in reuters·open in marketwatch·open in google·open in EDGAR
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.