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Financial Institutions(NASDAQ) FISI

Market Cap$804.22MMarket 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)+579%
5 Year+67%
1 Year+46%
1 Month+1%
Premium Feature
Moneyball Superscore
65/100
$40.84
+0.64%
+0.26Today
After hours$40.82-$0.02 (-0.05%)
Financial Institutions last closing stock price
MetricPriceDate
Last closeUSD 40.812026-10-26
Financial Institutions stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.13%USD 39.192026-10-19
1 month+1.44%USD 40.232026-09-25
3 month-2.44%USD 41.832026-07-28
Year to date+34.5%USD 30.342025-12-31
1 year+46.19%USD 27.912025-10-24
3 year+202.97%USD 13.472023-10-27
5 year+67.18%USD 24.412021-10-27
Since inception+578.65%USD 5.981999-06-25

Financial Institutions Financials at a Glance

Market Cap

$804.22MMarket 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

10.12

Dividend

$1.27

Beta (Volatility)

0.77 (Low)

Price

$40.84

Volume

96,132

Open

$40.58

Previous Close

$40.81

Daily Range

$40.58 - $41.26

52-Week Range

$28.00 - $42.97

Estimated Earnings Date

Oct 29, 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, Inc. NASDAQ:FISI helps New Yorkers manage their money. The company provides local banking and professional investment advice. These services help families buy homes and businesses grow.

Where the Money Comes From

  • Net Interest Income: Revenue from interest on loans and investments; represents 83% of revenue in the second quarter of 2026.
  • Investment Advisory: Customized wealth management and retirement plan services; surpassed $4.0 billion in assets under management by June 30, 2026.
  • Commercial Lending: Loans and lines of credit for business operations, equipment purchases, and commercial mortgages.
  • Consumer Lending: Financing for automobiles, residential mortgages, and personal loans for individual customers.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals, businesses, and local municipalities.

Strategic Steps and Investments

  • Redeemed the remaining $30.0 million of its outstanding 2015 Notes in January 2026.
  • Completed a private placement of $80.0 million in subordinated notes in December 2025.
  • Approved a share repurchase program for up to 1,006,379 shares in September 2025.
  • Expanded regional reach by maintaining commercial loan production offices in Maryland and Syracuse, New York.

Building Personal Connections

The company differentiates itself by focusing on a community bank model that prioritizes personal service and local decision-making. It maintains a hybrid delivery system that combines physical branches with digital channels to meet changing customer preferences.

Recent Financial Performance

  • Net income increased $3.7 million to $21.2 million for the second quarter of 2026 compared to the prior year.
  • Net interest income totaled $53.4 million in the second quarter of 2026, up $4.2 million from the same period in 2025.
  • Total loans reached $4.75 billion at June 30, 2026, an increase of $95.1 million from December 31, 2025.
  • Efficiency ratio, a measure of spending versus earnings, improved to 55.33% for the three-month period ended June 30, 2026.
  • Investment advisory income grew to $3.3 million in the second quarter of 2026, a 14% increase year over year.

Evolution of the Business

Financial Institutions, Inc. has transitioned from a traditional local lender into a diversified financial services provider. Its focus on balancing core banking with wealth management helps stabilize revenue across different economic cycles.

AI Generated • Aug 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

1.30%

Earnings Yield

9.88%

Dividend Yield

3.11%

Payout Ratio

32.01%

Stock Overview

Market Cap

$804.22MMarket 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

96.13K

Avg. Volume

135.00K

Financials (TTM)

Gross Profit

$182.88M

Operating Income

$49.24M

EBITDA

$56.98M

Operating Cash Flow

$60.87M

Capital Expenditure

-$4.63M

Free Cash Flow

$56.24M

Cash & ST Invst.

$59.55M

Total Debt

$290.97M

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%
Q22026-06-301.0%

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

$804.22MMarket 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

$1.27M

N/A

Employees

631

N/A

Net Income

$21.18M

+20.8%

EBITDA

-$22.95M

-198.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$59.55M

-36.0%

Total Debt

$290.97M

+17.3%

Accounts Receivable

$25.46M

+2.2%

Inventory

$0.00

N/A

Long Term Debt

$108.97M

-25.9%

Short Term Debt

$182.00M

+80.2%

Return on Assets

1.30%

N/A

Return on Invested Capital

0.80%

N/A

Free Cash Flow

$21.81M

+398.0%

Operating Cash Flow

$22.66M

+495.8%

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Questions About FISI

What is the current price of Financial Institutions?

Financial Institutions is trading at $40.81 per share.

What is the 52-week range for Financial Institutions?

Over the past 52 weeks, Financial Institutions has traded between $28.00 and $42.97.

How much debt does Financial Institutions have?

As of the most recent reporting period, Financial Institutions reported total debt of $292.57M.

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 3.11%.

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