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Financial Institutions(NASDAQ) FISI

Market Cap$817.01MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+588%
5 Year+80%
1 Year+69%
1 Month+3%
$42.45
+2.39%
+0.99Today
Financial Institutions last closing stock price
MetricPriceDate
Last closeUSD 41.462026-07-31
Financial Institutions stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.07%USD 40.622026-07-24
1 month+3.47%USD 40.072026-07-01
3 month+21.23%USD 34.202026-05-01
Year to date+35.57%USD 30.582025-12-31
1 year+69.31%USD 24.492025-07-31
3 year+154.56%USD 16.292023-08-01
5 year+80.07%USD 23.022021-07-30
Since inception+587.95%USD 6.031999-06-25

Financial Institutions Financials at a Glance

Market Cap

$817.01MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$315.61M

Net Income (TTM)

$82.63M

EPS (TTM)

$4.03

P/E Ratio

10.29

Dividend

$1.26

Beta (Volatility)

0.78 (Low)

Price

$42.45

Volume

68,552.059

Open

$42.20

Previous Close

$41.46

Daily Range

$41.88 - $42.97

52-Week Range

$24.62 - $42.97

Estimated Earnings Date

Oct 22, 2026

FISI News

Young person using an ATM

Why Financial Institutions Stock Flopped on Friday

Eric VolkmanJan 26, 2024
Financial Institutions Five Star Bank earnings 2017

Financial Institutions Earnings: Steady as She Goes

Jordan WathenApr 26, 2017
Financial Institutions Five Star Bank earnings

Financial Institutions Reports Double-Digit Loan and Deposit Growth

Jordan WathenJan 25, 2017
Bank sign - Financial Institutions 3Q 2016

Financial Institutions' Q3 Earnings: Slow and Steady Profits

Jordan WathenOct 25, 2016
FISI earnings

Financial Institutions Banks Rising Earnings on Double-Digit Loan Growth

Jordan WathenJul 27, 2016
five star logo

Financial Institutions' First Quarter Gets Some One-Time Help

Jordan WathenMay 2, 2016

Financial Institutions' Growth Streak Continues

Jordan WathenJan 28, 2016

Financial Institutions Reports a Steady 3rd Quarter

Jordan WathenOct 28, 2015
Page 1

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About Financial Institutions

Financial Institutions helps people in New York manage their money. It offers bank accounts and loans to help local families grow. The firm also manages investments for individuals and community groups.

Financial Tools for Daily Life

  • Personal Banking: Provides checking accounts, savings plans, and certificates of deposit for local residents and families.
  • Commercial Lending: Offers term loans, lines of credit, and equipment financing for small-to-medium businesses and agricultural companies.
  • Wealth Management: Delivers investment consulting and retirement planning through Courier Capital; managed $3.60 billion in assets in 2025.
  • Insurance Coverage: Includes personal and business products like property, liability, and automobile insurance for regional customers.
  • Indirect Lending: Partners with franchised new car dealers to provide vehicle loans to consumers across Western and Central New York.

New Markets and Strategic Steps

  • Opened a Courier Capital office in Sarasota, Florida, in September 2025 to expand wealth management services.
  • Formed a 2024 partnership with Principal Securities, Inc. to offer broker-dealer services to bank customers.
  • Established a commercial loan production office in Maryland to reach customers in the Mid-Atlantic region.
  • Exited the Banking-as-a-Service (BaaS) market to focus on core banking and specialized legal cannabis business services.

Local Roots and Digital Growth

The firm holds top deposit market shares in four New York counties, including Wyoming and Steuben. It balances its 48 local branches with modern digital banking tools to serve both rural and urban areas.

Performance by the Numbers

  • Revenue was $92.2 million in Q1 2026, up 1.3% from Q1 2025.
  • Gross profit reached $62.7 million in Q1 2026, up 15.6% year-over-year.
  • Operating income hit $24.8 million in Q1 2026, up 20.4% from the previous year.
  • Net income reached $21 million in Q1 2026, up 24.3% from the same period in 2025.

Bottom Line

Financial Institutions has evolved from a local bank into a regional provider of banking, insurance, and investment services. Its focus on community relationships and specialized sectors supports its long-term relevance in Western and Central New York.

AI Generated • May 4, 2026

Industry

Banks

Sector

Financials

Employees

631

CEO

Martin Kearney Birmingham, MBA

Website

www.financialinstitutionsinc.q4ir.com

Headquarters

Warsaw, NY 14569, US

FISI Financials

Key Financial Metrics (TTM)

Gross Margin

57.94%

Operating Margin

15.60%

Net Income Margin

26.18%

Return on Equity

13.09%

Return on Capital

9.49%

Return on Assets

1.44%

Earnings Yield

9.72%

Dividend Yield

3.04%

Payout Ratio

23.97%

Stock Overview

Market Cap

$817.01MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

19.71M

Volume

68.55K

Avg. Volume

155.29K

Financials (TTM)

Gross Profit

$182.88M

Operating Income

$49.24M

EBITDA

$51.59M

Operating Cash Flow

$38.21M

Capital Expenditure

-$3.79M

Free Cash Flow

$34.42M

Cash & ST Invst.

$1.07B

Total Debt

$260.69M

Financial Institutions Performance Analysis

Financial Institutions annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 239,166,00014.3%
20232023-12-31USD 331,244,00038.5%
20242024-12-31USD 263,442,000-20.5%
20252025-12-31USD 373,996,00042.0%
Financial Institutions sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.3%
Q42025-12-310.3%
Q12026-03-31-4.5%
Q22026-06-30-66.9%
Financial Institutions annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.56-25.5%
20232023-12-31USD 3.15-11.5%
20242024-12-31USD -2.75N/A
20252025-12-31USD 3.61N/A
Financial Institutions sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3016.5%
Q42025-12-31-3.0%
Q12026-03-318.3%
Q22026-06-30-200.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$30.56M

-67.2%

Gross Profit

-$1.25M

-102.2%

Gross Margin

-4.09%

N/A

Market Cap

$817.01MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.29M

N/A

Employees

631

N/A

Net Income

$21.18M

+20.8%

EBITDA

-$26.63M

-213.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.07B

+1046.4%

Total Debt

$260.69M

+5.1%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$78.69M

-46.5%

Short Term Debt

$182.00M

+80.2%

Return on Assets

1.44%

N/A

Return on Invested Capital

0.87%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

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Questions About FISI

What is the current price of Financial Institutions?

Financial Institutions is trading at $42.47 per share.

What is the 52-week range for Financial Institutions?

Over the past 52 weeks, Financial Institutions has traded between $24.62 and $42.97.

How much debt does Financial Institutions have?

As of the most recent reporting period, Financial Institutions reported total debt of $260.69M.

How much cash does Financial Institutions have on hand?

Financial Institutions does not have cash on hand data available.

What is Financial Institutions’s dividend yield?

Financial Institutions currently has a dividend yield of 3.04%.

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