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StockVS

NASDAQ · Banks - Regional · USD

Financial Institutions, Inc. (FISI) Stock Analysis

Financial Institutions, Inc. (FISI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

FISI

$39.85

−$0.10 (−0.25%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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FISI Key Statistics

As of Oct 21, 2026
Trading
Open
$40.10
Previous Close
$39.95
Day's Range
39.56–40.22
52-Week Range
26.32–42.97
Volume
78.81K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.64
Valuation
Market Cap
$785.30M
P/E Ratio
9.89
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
9.27
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.41
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.23
EPS (ttm)Profit attributable to each share over the last twelve months.
4.03
Financials (FY)
Revenue (FY)
$243.54M+112.65%
Net Income (FY)
$74.87M
Profit marginThe share of revenue left as profit after all costs and taxes.
33.94%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
19.71M
1-Year Return
+54.16%
Dividend and dates
Dividend
$1.28+3.20%
Ex-Dividend Date
September 15, 2026
Earnings Date
October 29, 2026
Avg Volume
139.68K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, FISI closed at $39.85, +54.16% over 1 year.

Financial Institutions, Inc. (FISI) has a market capitalization of $785.30M.

In fiscal 2025, FISI reported revenue of $243.54M.

FISI Stock Return by Calendar Year

Financial Institutions, Inc. (FISI) 10-year return: what $10,000 became

1 year
$10,000 $15,416
+54.16%
5 years
$10,000 $15,912
+59.12%
10 years
$10,000 $22,967
+129.67%

If you had invested $10,000 in Financial Institutions, Inc. (FISI) 10 years ago, at the close on October 21, 2016, it would have been worth $22,967 at the close on October 21, 2026: +129.67% in total, +8.67% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+30.31%
2025+19.47%
2024+35.54%
2023−6.76%
2022−19.99%
2021+46.37%
2020−26.01%
2019+29.19%
2018−14.77%
2017−6.52%
2016 (partial year)+28.58%

As of October 21, 2026.

FISI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$243.54M$74.87M30.7%
2024$114.53M−$41.65M−36.4%
2023$212.18M$50.26M23.7%
2022$212.35M$56.57M26.6%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$243.54M——$74.87M30.7%
2024$114.53M——−$41.65M−36.4%
2023$212.18M——$50.26M23.7%
2022$212.35M——$56.57M26.6%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

FISI Dividend History

$1.24+3.3% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.963—
2025$1.244+3.3%
2024$1.204+0.0%
2023$1.204+3.4%
YearDividends per sharePaymentsChange
2026 (partial year)$0.963—
2025$1.244+3.3%
2024$1.204+0.0%
2023$1.204+3.4%
2022$1.164+7.4%
2021$1.084+3.8%
2020$1.044+4.0%
2019$1.004+4.2%
2018$0.964+12.9%
2017$0.854+304.8%
2016$0.211—

Most recent payment: $0.32 per share, ex-dividend September 15, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

FISI Valuation vs Banks - Regional Median

Median of 326 stocks
MetricFISIBanks - Regional medianvs median
P/E9.8912.0318% below
P/S ratio3.233.5810% below
Profit margin33.94%29.44%4.5 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 11 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Financial Institutions, Inc. (FISI) at $785.30M. It is classified in the Banks - Regional industry, within the Financial Services sector. Headcount on file is 631.

Over the past 52 weeks the price has ranged from $26.32 to $42.97. The most recent close on file for FISI is $39.85, dated October 21, 2026. That is −$0.10 (−0.25%) against the previous close. The latest close sits 51.41% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $243.54M. Against the prior fiscal year total of $114.53M, that is a change of +112.65%. Net income for the same year was $74.87M. The reported profit margin is 33.94%. That is 4.5 percentage points above the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 4.03.

Across the 4 fiscal years on file, revenue moves from $212.35M in 2022 to $243.54M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

FISI trades at a trailing price-to-earnings ratio of 9.89. That is 17.79% below the Banks - Regional median of 12.03. On forward earnings the ratio is 9.27. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.41. Measured against sales, the shares trade at 3.23 times revenue. On price-to-sales that is 9.86% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.64. Daily returns over the trailing 10 years annualize to a volatility of 36.11%. Over the trailing twelve months the total return is +54.16%. Measured over 10 years, that is +8.67% a year compounded.

Growth & Income

The trailing dividend yield is 3.2%. That is 0.5 percentage points above the Banks - Regional median yield of 2.68%. At the indicated rate that is $1.28 a share a year. The ex-dividend date on file is September 15, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.96 a share. The year before, 2025, totalled $1.24 a share.

So far in 2026 the total return is +30.31%. The strongest complete calendar year on file is 2021 at +46.37%; the weakest is 2020 at −26.01%. Of the 9 complete calendar years on file, 4 finished higher.

Peer Comparison

Financial Institutions, Inc. (FISI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Financial Institutions, Inc. FISI $785.30M 9.9
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Financial Institutions, Inc. trades at a P/E of 9.9.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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 USB

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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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