Financial Institutions Inc (FISI) Stock Price

FISIStock

$40.96+48.30%52W

Market Cap$807.17M

P/E11.02x

PEG Ratio1.41

Div yield6.72%

Beta0.65

FISI Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)15.99%

Price vs S&P 500 (4W)-5.37%

PEG Ratio1.41

VGM Score65.47

P/E Ratio (Annual)11.02x

Indicated Dividend Yield (Annual)6.72%

P/CF (Annual)43.88x

Book Value / Share (Quarterly)$32.65

P/TBV (Annual)1.00x

Indicated Dividend (Annual)$1.28

Revenue Growth (3Y)5.13%

Cash Flow / Share (Quarterly)$2.85

Payout Ratio (TTM)32.01%

Price vs S&P 500 (YTD)18.59%

Net Profit Margin (TTM)24.71%

EPS (TTM)$4.10

10-Day Avg Trading Volume0.17M

EPS Excl Extra (TTM)$4.10

Revenue Growth (5Y)8.55%

EPS (Annual)$3.68

Dividend / Share (Annual)$1.31

ROI (Annual)9.69%

Net Profit Margin (5Y Avg)28.15%

Cash / Share (Quarterly)$12.47

P/E Basic Excl Extra (TTM)9.99x

Revenue Growth QoQ (YoY)47.41%

EPS Growth (5Y)9.15%

P/E Normalized (Annual)11.02x

ROA (Last FY)1.19%

Revenue Growth TTM (YoY)46.87%

EBITD / Share (TTM)$5.43

ROE (5Y Avg)8.99%

Operating Margin (TTM)29.41%

Cash Flow / Share (Annual)$0.67

P/B Ratio1.28x

P/B Ratio (Quarterly)1.19x

Net Income / Employee (Annual)$118,600

ROA (TTM)1.31%

EPS Growth QoQ (YoY)22.97%

EV / EBITDA (TTM)7.50x

EPS Incl Extra (Annual)$3.68

3-Month Avg Trading Volume0.15M

52-Week Price Return48.30%

EV / Free Cash Flow (Annual)68.19x

P/E Incl Extra (TTM)9.99x

Tangible BV / Share (Quarterly)$32.55

P/S Ratio (Annual)1.29x

52-Week High$42.97

EPS Excl Extra (Annual)$3.68

CapEx CAGR (5Y)5.23%

Tangible BV CAGR (5Y)6.35%

26-Week Price Return27.92%

13-Week Price Return14.38%

Total Debt / Equity (Annual)0.23x

Enterprise Value$903.80M

Revenue / Share Growth (5Y)7.17%

Book Value / Share Growth (5Y)1.65%

Revenue / Employee (Annual)$329,441,800,000

Pretax Margin (Annual)33.22%

Cash / Share (Annual)$8.50

3-Month Return Std Dev22.59%

Net Income / Employee (TTM)$130,900

EBITDA CAGR (5Y)8.45%

EBITDA Interim CAGR (5Y)4.41%

ROE (Last FY)11.91%

EPS Basic Excl Extra (Annual)$3.68

P/FCF (TTM)12.87x

EV / Free Cash Flow (TTM)16.07x

Total Debt / Equity (Quarterly)0.12x

EPS Incl Extra (TTM)$4.10

ROI (TTM)11.43%

Dividend Growth Rate (5Y)3.14%

P/S Ratio (TTM)1.29x

Pretax Margin (5Y Avg)34.83%

Revenue / Share (Annual)$13.81

Tangible BV / Share (Annual)$31.65

Forward P/E9.94x

Free OCF CAGR (5Y)-19.50%

Price vs S&P 500 (52W)29.74%

P/E Ratio (TTM)9.99x

Year-to-Date Return31.41%

5-Day Price Return0.34%

EPS Normalized (Annual)$3.68

ROA (5Y Avg)0.74%

Net Profit Margin (Annual)26.48%

Month-to-Date Return-1.21%

Cash Flow / Share (TTM)$3.84

EBITD / Share (Annual)$4.88

EPS Growth (3Y)0.30%

Operating Margin (Annual)33.22%

LT Debt / Equity (Annual)0.23x

P/CF (TTM)13.55x

ROI (5Y Avg)7.34%

P/E Excl Extra (TTM)9.99x

LT Debt / Equity (Quarterly)0.12x

EPS Basic Excl Extra (TTM)$4.10

P/TBV (Quarterly)1.20x

Payout Ratio (Annual)34.96%

P/B Ratio (Annual)1.00x

Dividend / Share (TTM)$1.33

Pretax Margin (TTM)29.41%

Book Value / Share (Annual)$31.76

Price vs S&P 500 (13W)12.43%

Net Margin Growth (5Y)4.96%

Dividend Yield (TTM)3.21%

Beta0.65x

P/FCF (Annual)62.25x

Revenue / Share (TTM)$13.79

ROE (TTM)13.09%

52-Week Low$25.61

vGradeB

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FISI Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$0.93	$1.04	+11.83%(+$0.11)
Q1 2026	Apr 23, 2026	$0.92	$1.04	+13.04%(+$0.12)
Q4 2025	Jan 29, 2026	$0.94	$0.96	+1.59%(+$0.02)
Q3 2025	Oct 23, 2025	$0.88	$0.99	+12.50%(+$0.11)
Q2 2025	Jul 24, 2025	$0.83	$0.85	+2.41%(+$0.02)

FISI Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.00

Industry Peers — National Banks(119)

Symbol	Value Score	Growth Score	Momentum Score	Price
FISIFinancial Institutions Inc	B	C	A	$40.96
JPMJPMorgan Chase & Co.	D	B	B	$357.62
BACBank of America Corporation	C	C	B	$62.32
WFCWells Fargo & Co.	C	C	C	$86.69
CCitigroup Inc.	C	C	B	$132.90
UBSUBS Group AG	C	C	A	$54.90
COFCapital One Financial	B	D	C	$215.67
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	A	$10.64
USBU.S. Bancorp	C	C	B	$62.47
PNCPNC Financial Services Group	C	C	C	$242.22
TFCTruist Financial Corporation	B	C	D	$50.43
SHGShinhan Financial Group Co Ltd	B	C	B	$79.15
HBANHuntington Bancshares Inc	C	C	D	$16.92
RFRegions Financial Corp.	C	D	D	$30.33
KEYKeyCorp	C	C	D	$21.91
PNFPPinnacle Financial Partners, Inc.	D	B	D	$101.09
WBSWebster Financial Corporation Waterbury	C	B	C	$77.57
FHNFirst Horizon Corporation	C	B	D	$24.65
UMBFUMB Financial Corp	C	B	B	$144.59
CFRCullen/Frost Bankers Inc.	D	C	B	$161.69
ZIONZions Bancorporation N.A.	B	C	C	$67.78
ONBOld National Bancorp	C	B	C	$25.85
BOKFBOK Financial Corp	C	C	D	$137.48
VLYValley National Bancorp	C	B	C	$13.92
FNBF.N.B. Corp	B	C	D	$18.41
FULTFulton Financial Corp	B	C	C	$23.68
WSFSWSFS Financial Corp	D	B	C	$78.30
WSBCWesBanco Inc	B	B	B	$40.42
BANFBancfirst Corp	D	C	F	$110.55
NICNicolet Bankshares,Inc.	F	C	B	$171.74
PRKPark National Corporation	D	D	C	$198.12
FFBCFirst Financial Bancorp	B	B	C	$32.82
CBUCommunity Financial System, Inc.	D	D	D	$63.16
SFNCSimmons First National Corp	B	C	D	$22.69
BANCBanc of California, Inc.	B	C	D	$18.60
TRMKTrustmark Corp	C	C	D	$46.27
TBBKThe Bancorp Inc.	D	B	C	$65.70
NBTBNBT Bancorp Inc	C	C	C	$51.55
WAFDWaFd, Inc. Common Stock	B	C	D	$36.09
FRMEFirst Merchants Corp	B	C	D	$41.93
NWBINorthwest Bancshares, Inc	C	D	C	$15.34
FCFFirst Commonwealth Financial Corporation	C	C	C	$20.85
CHCOCity Holding Co	D	D	C	$143.46
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	$41.22
OCFCOceanFirst Financial Corp	D	C	D	$18.88
DCOMDime Commercial Bancshares, Inc.	C	B	B	$40.47
HOPEHope Bancorp, Inc.	C	C	B	$13.92
FSUNFirstSun Capital Bancorp Common Stock	D	F	C	$40.07
BFCBank First Corporation Common Stock	F	C	C	$152.81
CASHPathward Financial, Inc. Common Stock	B	C	F	$81.50
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	C	C	$71.71

About Financial Institutions Inc

Financial Institutions Inc is a regional financial holding company providing consumer and commercial banking services in Western and Central New York. The company serves individuals, municipalities, and businesses through its Banking segment, which encompasses all retail and commercial operations.