FISI logo

FINANCIAL INSTITUTIONS INC

FISINASDAQ
πŸ† #2530 by market capEarnings Oct 29US Equity
$40.90β–² $0.13 (+0.31%)
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🏦Market Cap
$806M
Small Cap
πŸ“ˆRevenue Growth (YoY)
46.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
10.3%
Healthy
βš–οΈP/S Ratio
1.3x
Cheap
Otter Score
β€”
Insufficient data
No chart data available for FISI.

Trading Snapshot

Day Range
$40.88 – $41.46
52-Week Range
$28.00 – $42.97
Volume (shares)
32,027.784
Avg Volume (shares)
β€”
Shares Outstanding
19.7M
Next Earnings
2026-10-29

Fundamentals Snapshot

Annual Revenue
$378M
Last Q Revenue
$31M
P/E Ratio
9.7
P/S Ratio
1.3x
EPS (TTM)
$4.10
Dividend Yield
3.29%
Dilution (1yr)
+23.8%
FISI logo

FINANCIAL INSTITUTIONS INC

FISI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$378Mβ–² +43.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.7%β–² +85.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$91Mβ–Ό βˆ’234.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$13Mβ–Ό βˆ’81.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
20.3Mβ–² +23.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$225Mβ–Ό βˆ’$56M YoY
StockOtter Β· stockotter.space

About FINANCIAL INSTITUTIONS INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100
Analyst data unavailable.

Latest News & Updates

Defense WorldΒ·14d ago

Financial Institutions (NASDAQ:FISI) Share Price Breaks Above Two Hundred Day Moving Average – What’s Next?

Financial Institutions, Inc. (NASDAQ: FISI - Get Free Report) crossed above its 200-day moving average during trading on Wednesday. The stock has a 200-day moving average of $38.00 and traded as high as $38.74. Financial

Defense WorldΒ·22d ago

Financial Institutions (NASDAQ:FISI) Share Price Breaks Above 200 Day Moving Average – Here’s What Happened

Financial Institutions, Inc. (NASDAQ: FISI - Get Free Report) shares passed above its two hundred day moving average during trading on Tuesday. The stock has a two hundred day moving average of $37.68 and traded as high

GlobeNewsWireΒ·28d ago

Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call

WARSAW, N.Y., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the β€œCompany”), the parent company of Five Star Bank and Courier Capital, LLC, will release results for the third quarter endin

Zacks Investment ResearchΒ·Sep 28

Why Financial Institutions (FISI) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?

Zacks Investment ResearchΒ·Sep 17

Financial Institutions (FISI) Upgraded to Buy: Here's Why

Financial Institutions (FISI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Zacks Investment ResearchΒ·Sep 11

Why Financial Institutions (FISI) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?