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Financial Institutions Inc (FISI)

US · Financial Services · Banks - Regional

$39.73+0.56%
Last close · 2026-11-06

Latest quarter · ended 2026-09-30

Revenue
$-154.2M
Revenue YoY
-260.2%
Net profit
$20.0M
Profit YoY
-2.4%
EPS
$0.99
EPS estimate
$1.05

EPS came in at 0.99 against a street estimate of 1.05 — a miss of 5.7%.

Key statistics

Market cap
$805.6M
P/E
10.1
Forward P/E
11.3
P/B
1.28
Book value
$31.77
EPS (TTM)
$4.03
Dividend yield
3.09%
52-week high
$42.63
52-week low
$27.03
50-day MA
$40.18
200-day MA
$36.69
Beta
0.64

Analyst view

Analysts rate Financial Institutions Inc a buy (1 buy, 1 hold, 0 sell out of 2) with an average price target of $45.00.

From the latest earnings call · 2026-10-30

CONFIDENT FISI reported solid third-quarter loan and deposit growth, stable 3.70% NIM, record $54.3 million net interest income, and reaffirmed most 2026 targets despite lower EPS and higher charge-offs. Q3 FY26 Management cited compelling commercial opportunities across Buffalo, Rochester, Syracuse, and mid-Atlantic markets, with pipelines remaining strong. Analysts focused on rate sensitivity, loan and deposit momentum, operating leverage, securities balances, and capital allocation. Management pointed to strong pipelines, treasury-management wins, seasonal securities rebuilding, and disciplined buybacks. 2026-10-30…

Full summary in the app.

Shareholding

Insiders
2.58%
Institutions
82.14%

Largest institutional holders

FundStake
PL Capital Advisors, LLC9.22%
BlackRock Inc8.46%
Dimensional Fund Advisors, Inc.5.09%
Vanguard Capital Management, LLC4.27%
Adage Capital Partners Gp LLC4.24%
Acadian Asset Management LLC3.01%
State Street Corp3.01%
Geode Capital Management, LLC2.98%

Recent filings & reports

DocumentDate
Results announced · Q3 2026
HEADLINE NUMBERS • Q3 2026 net income available to common shareholders was $19.6 million, or $0.99 per diluted share. • Net income available to comm
2026-10-29
Board / officer change · Q3 2026
FINANCIAL INSTITUTIONS, INC. – 8-K SUMMARY HEADLINE NUMBERS • Company: Financial Institutions, Inc. (ticker: FISI, traded on Nasdaq Global Select Ma
2026-09-08
Reg FD disclosure · Q3 2026
FINANCIAL INSTITUTIONS, INC. (FISI) - 8-K SUMMARY HEADLINE NUMBERS • Common Stock Dividend: $0.32 per share, payable October 2, 2026 • Series A 3% P
2026-08-26
Quarterly report · Q2 2026
FINANCIAL INSTITUTIONS, INC. - 10-Q SUMMARY FOR RETAIL INVESTORS HEADLINE NUMBERS • Net Income (6 months ended June 30, 2026): $42.2 million, up 22.
2026-08-03
Results announced · Q2 2026
FINANCIAL INSTITUTIONS, INC. – Q2 2026 EARNINGS SUMMARY HEADLINE NUMBERS • Net Income Available to Common Shareholders: $20.8 million in Q2 2026, up
2026-07-23
Shareholder vote results · Q2 2026
FINANCIAL INSTITUTIONS, INC. – 8-K SUMMARY HEADLINE NUMBERS • Annual Meeting of Shareholders held May 20, 2026 • 19,684,776 shares outstanding as of
2026-05-21
Quarterly report · Q1 2026
FINANCIAL INSTITUTIONS, INC. – Q1 2026 10-Q SUMMARY HEADLINE NUMBERS • Total assets: $6,294.8 million (March 31, 2026) vs $6,274.1 million (Dec 31,
2026-05-04
Proxy statement · Q1 2026
FINANCIAL INSTITUTIONS, INC. – 2026 PROXY STATEMENT SUMMARY --- CEO COMPENSATION • Martin K. Birmingham (President and CEO) Total Compensation 2025
2026-04-06

Readable in the app.

Corporate actions

ActionDetailDate
Dividend$0.32 / share
ex-date Sep 15, 2026 · pay Oct 2, 2026
2026-09-15
Dividend$0.32 / share
ex-date Jun 12, 2026 · pay Jul 2, 2026
2026-06-12
Dividend$0.32 / share
ex-date Mar 13, 2026 · pay Apr 2, 2026
2026-03-13
Dividend$0.31 / share
ex-date Dec 15, 2025 · pay Jan 2, 2026
2025-12-15

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Data updated 2026-11-07.