Financial Institutions Inc (FISI) Stock Price

FISIStock

$39.31+52.01%52W

Market Cap$774.66M

P/E10.35x

PEG Ratio1.41

Div yield6.72%

Beta0.65

FISI Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)4.57%

Price vs S&P 500 (4W)-1.20%

PEG Ratio1.41

VGM Score62.87

P/E Ratio (Annual)10.35x

Indicated Dividend Yield (Annual)6.72%

P/CF (Annual)41.20x

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)14.19%

Net Profit Margin (TTM)24.71%

EPS (TTM)$4.10

10-Day Avg Trading Volume0.10M

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)9.38x

Revenue Growth QoQ (YoY)47.41%

EPS Growth (5Y)9.15%

P/E Normalized (Annual)10.35x

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 Ratio1.20x

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 Volume0.16M

52-Week Price Return52.01%

EV / Free Cash Flow (Annual)64.38x

P/E Incl Extra (TTM)9.38x

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 Return14.47%

13-Week Price Return-0.03%

Total Debt / Equity (Annual)0.23x

Enterprise Value$853.35M

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 Dev19.50%

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)12.08x

EV / Free Cash Flow (TTM)15.17x

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/E9.45x

Free OCF CAGR (5Y)-19.50%

Price vs S&P 500 (52W)36.48%

P/E Ratio (TTM)9.38x

Year-to-Date Return26.11%

5-Day Price Return1.29%

EPS Normalized (Annual)$3.68

ROA (5Y Avg)0.74%

Net Profit Margin (Annual)26.48%

Month-to-Date Return0.85%

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)12.73x

ROI (5Y Avg)7.34%

P/E Excl Extra (TTM)9.38x

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)-2.71%

Net Margin Growth (5Y)4.96%

Dividend Yield (TTM)3.41%

Beta0.65x

P/FCF (Annual)58.45x

Revenue / Share (TTM)$13.79

ROE (TTM)13.09%

52-Week Low$25.61

vGradeB

gGradeC

mGradeB

vgmGradeB

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

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
FISIFinancial Institutions Inc	B	C	B	1.2x	13.1%	1.3%	—	$39.31
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

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.

FISI Next Earnings Report

Report dateOct 29, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$1.05

Revenue estimate$66.55M

Also reporting on Oct 29, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

FISI Insider Transactions

BuySep 2, 2026
ZUPAN MARK A
Director
Shares: 608Value: $24,789

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

Companies in Related Industries

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ORRFOrrstown Financial Services IncState Banks
IBCPIndependent Bank Corp.State Banks
HTBHomeTrust Bancshares, Inc.Savings Institutions
SMBCSouthern Missouri BancorpSavings Institutions
PGCPeapack-Gladstone Financial CorpCommercial Banks
VBNKVersaBank Common SharesCommercial Banks
WASHWashington Trust Bancorp IncState Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

4.0

Buy

Consensus rating

52-Week Range

Low$25.61

High$42.97