Price History

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

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FISI Key Statistics

As of Sep 4, 2026

Trading

Open: $41.22
Previous Close: $41.18
Day's Range: 41.21–41.75
52-Week Range: 25.61–42.97
Volume: 131.90K
Beta: 0.64

Valuation

Market Cap: $821.76M
P/E Ratio: 10.20
Forward P/E: 9.70
PEG Ratio: 1.41
P/S ratio: 3.38
EPS (ttm): 4.09

Financials (FY)

Revenue (FY): $243.54M+112.65%
Net Income (FY): $74.87M
Profit margin: 33.94%
Shares Outstanding: 19.71M
1-Year Return: +56.36%

Dividend and dates

Dividend: $1.28+3.11%
Ex-Dividend Date: September 15, 2026
Earnings Date: October 22, 2026
Avg Volume: 176.17K

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

FISI Stock Return by Calendar Year

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

−26.01%+46.37%+36.36%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+36.36%
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 September 4, 2026.

FISI Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$243.54M	$74.87M	30.7%
2024	$114.53M	−$41.65M	−36.4%
2023	$212.18M	$50.26M	23.7%
2022	$212.35M	$56.57M	26.6%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$243.54M	—	—	$74.87M	30.7%
2024	$114.53M	—	—	−$41.65M	−36.4%
2023	$212.18M	—	—	$50.26M	23.7%
2022	$212.35M	—	—	$56.57M	26.6%

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

FISI Dividend History

’16’17’18’19’20’21’22’23’24’25’26*

$1.24+3.3% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.64	2	—
2025	$1.24	4	+3.3%
2024	$1.20	4	+0.0%
2023	$1.20	4	+3.4%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.64	2	—
2025	$1.24	4	+3.3%
2024	$1.20	4	+0.0%
2023	$1.20	4	+3.4%
2022	$1.16	4	+7.4%
2021	$1.08	4	+3.8%
2020	$1.04	4	+4.0%
2019	$1.00	4	+4.2%
2018	$0.96	4	+12.9%
2017	$0.85	4	+107.3%
2016	$0.41	2	—

Most recent payment: $0.32 per share, ex-dividend June 12, 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 380 stocks

Metric	FISI	Banks - Regional median	vs median
P/E	10.20	12.62	19% below
P/S ratio	3.38	3.77	10% below
Profit margin	33.94%	29.15%	4.8 pts above

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

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

Analysis

Data-derived

Company Overview

The market values Financial Institutions, Inc. (FISI) at $821.76M. 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 $25.61 to $42.97. The most recent close on file for FISI is $41.70, dated September 4, 2026. That is +$0.52 (+1.26%) against the previous close. The latest close sits 62.83% 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 4.8 percentage points above the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 4.09.

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 10.2. That is 19.18% below the Banks - Regional median of 12.62. On forward earnings the ratio is 9.7. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.41. Measured against sales, the shares trade at 3.38 times revenue. On price-to-sales that is 10.49% below the Banks - Regional median of 3.77. 380 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 36.08%. Over the trailing twelve months the price has returned +56.36%. Measured over 10 years, that is +8.91% a year compounded.

Growth & Income

The trailing dividend yield is 3.11%. That is 0.4 percentage points above the Banks - Regional median yield of 2.7%. 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 2 payments totalling $0.64 a share. The year before, 2025, totalled $1.24 a share.

So far in 2026 the price is +36.36%. 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	$821.76M	10.2
Mizuho Financial Group, Inc.	MFG	$135.92B	16.0
HDFC Bank Limited	HDB	$119.10B	16.0
ICICI Bank Limited	IBN	$108.74B	18.7

The Banks - Regional industry average P/E ratio is 12.6x. Financial Institutions, Inc. trades at a P/E of 10.2.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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$135.92B

HDB

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USB

U.S. Bancorp

$98.73B

PNC

The PNC Financial Services Group, Inc.

$97.98B

ITUB

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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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Financial Institutions, Inc. (FISI) Stock Analysis