Financial Institutions Inc.

FISI | NASDAQ

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$40.40

+$0.07 (+0.17%)

Sep 22, 2026, 1:58 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

+0.17%

(1D)

Rating

Updated: Sep 4, 2026

53.5

Fundamentals Strong

Market Sentiment Neutral

Moat Narrow

Full Analysis

Key Statistics

Market Data

Market Cap $795.4M

1D Range

40.09 40.77

52W Range

25.61 42.97

Valuation (TTM)

PE 20.68

PB 0.65

EV/EBITDA -3.02

Valuation (NTM)

Forward PE 9.09

Forward PEG 3.76

Price Target $45

Cash Flow

FCF Yield 3.4%

SBC Adj. FCF Yield 3.0%

SBC Impact -12.8%

Margins

Gross Margin 57.9%

Operating Margin 15.6%

FCF Margin 8.6%

Growth (CAGR)

Revenue 3Y | 5Y 3.0% | 8.8%

Dil EPS 3Y | 5Y -16.2% | -13.8%

FCF 3Y | 5Y -32.5% | -13.5%

Returns

ROA 1.3%

ROE 13.1%

ROIC 0.6%

Financial Health

Net Cash

$949.79M

Current Ratio 0.47

Interest Coverage 0.40

Dividends

Div Yield 3.15%

Payout Ratio 65.1%

FCF Payout Ratio 97.4%

All Key Statistics

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Profile

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 ...

Sector Financial Services

Industry Banks - Regional

Employees 631

IPO Date Jun 24, 1999

Website www.five-starbank.com

Fiscal Year January - December

Full Company Profile

Latest News

No news articles available yet.

Earnings

Next Earnings

Oct 22, 2026

EPS Est

Pro

Rev Est

Pro

Earnings Details ➞

Analyst Summary

# of Analysts

Consensus

Hold

Price Target

$45

Upside

+11.39%

Buy (1)

Hold (1)

Sell (0)

Analyst Details ➞