FINANCIAL INSTITUTIONS INC
FISINASDAQTrading Snapshot
- Day Range
- $41.08 – $42.25
- 52-Week Range
- $24.65 – $42.97
- Volume
- $2.70B
- Avg Volume
- $2.40B
- Shares Outstanding
- 19.7M
- Next Earnings
- Oct 23, 2026
Fundamentals Snapshot
- Annual Revenue
- $378M
- Last Q Revenue
- $31M
- P/E Ratio
- 9.9
- P/S Ratio
- 1.3x
- EPS (TTM)
- $4.10
- Dividend Yield
- 3.23%
Why Investors Own FISI
- ✓High-growth profile — revenue up +46.0% YoY with expanding US Equity exposure.
- ✓Healthy economics — 52% gross margin and 18% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
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.
Otter Score Breakdown
ⓘAnalyst Ratings
ⓘLatest News & Updates
Piper Sandler Reiterates Neutral on Financial Institutions, Raises Price Target to $45
Piper Sandler analyst Manuel Navas reiterates Financial Institutions (NASDAQ:FISI) with a Neutral and raises the price target from $38 to $45.
Financial Institutions, Inc. 2026 Q2 - Results - Earnings Call Presentation
2026-07-28. The following slide deck was published by Financial Institutions, Inc.
Keefe, Bruyette & Woods Maintains Outperform on Financial Institutions, Raises Price Target to $45
Keefe, Bruyette & Woods analyst Damon Delmonte maintains Financial Institutions (NASDAQ:FISI) with a Outperform and raises the price target from $42 to $45.
Are You Looking for a High-Growth Dividend Stock?
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Financial Institutions Q2 Earnings Call Highlights
Financial Institutions (NASDAQ:FISI) reported higher second-quarter earnings, loan growth and net interest margin, while raising several full-year profitability targets as commercial lending momentum strengthened across its core Upstate New York markets. Net income available to common shareholders
Financial Institutions, Inc. (FISI) Q2 2026 Earnings Call Transcript
Financial Institutions, Inc. (FISI) Q2 2026 Earnings Call July 24, 2026 8:30 AM EDTCompany ParticipantsKate Croft - Director of Investor & External...