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Financial Institutions, Inc. FISI R2K

Financial Services · Banks - Regional · United States
https://www.five-starbank.com
Company Profile ↓
$39.17
+47.78% 1Y
Mkt Cap$771.12M
P/E10.20
P/B1.24
Div. Yield3.25%
52W High$40.07
52W Low$23.72
Book Value$31.21
EPS (TTM)$3.84

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.9% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.2, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 33.0%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.36.

Dividend Income

Offers a dividend yield of 3.25%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +11.3%, earnings +28.4%.
  • 5-Year Trend Long-term compounding — profit CAGR 12.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:11.30%

Compounded Profit Growth

5 Years:12.90%
1 Year:28.40%

Stock Price Performance

1 Year:+47.78%
6 Months:+28.04%
3 Months:+15.03%
1 Month:+3.35%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$23.72 $40.07
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.95 · Neutral
Price Performance
1M+3.35%
3M+15.03%
6M+28.04%
1Y+47.78%
Valuation vs Sector

P/E of 10.20 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.0%.
  • Profit CAGR of 12.9% over 5 years.
  • Attractive dividend yield of 3.25%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.20
Industry PE
13.52
Forward P/E
9.33
PEG Ratio
1.41
Book Value
$31.21
Price to Book
1.24
P/S
3.19
EV/EBITDA
-
Dividend Yield
3.25%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
12.90%
Revenue (YoY)
11.30%
Earnings (YoY)
28.40%

Profitability & Returns

ROCE
-
ROE
12.93%
ROA
1.25%
Profit Margin
32.98%
Op Margin
42.89%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.04
EPS (TTM)
$3.84

Balance Sheet & Liquidity

Debt/Equity
0.36
Quick Ratio
-
Current Ratio
-
Debt
$250.31M
Total Assets
$6.29B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.58%
Chg in Prom Hold
-
FII / Inst Holding
82.49%
Chg in FII Hold
0.23%

Financial Snapshot

Enterprise Value
$771.12M
Total Revenue (TTM)
$239.43M
EBITDA
-
Free Cash Flow
$13.25M
Operating Cash Flow
$32.48M
Shares Outstanding
19.69M
Gross Margin
0.00%
Payout Ratio
32.55%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FISI Financial Institutions, Inc. R2K 39.17 10.20 $771.12M 3.25% - 12.93% - 12.90%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income ----7.03M7.18M6.80M6.58M8.32M7.62M7.15M8.47M7.94M6.25M8.28M9.29M12.17M10.58M11.52M11.40M12.83M1.13M11.13M12.27M20.71M20.20M17.18M14.98M15.65M13.85M12.09M14.37M14.02M2.07M25.63M13.47M16.88M17.53M20.48M20.98M
Diluted EPS 0.420.470.420.500.480.490.460.440.560.500.470.560.520.400.520.560.740.640.700.690.780.050.670.741.271.251.050.930.990.880.760.910.880.111.620.840.810.850.991.04

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 10.74M17.56M19.62M21.98M25.53M29.36M28.34M31.93M33.53M39.53M48.86M38.33M77.70M56.57M50.26M-41.65M74.87M
Diluted EPS 0.991.611.491.601.752.001.902.102.132.392.962.304.783.563.15-2.753.61

Balance Sheet (Annual)

Figures in USD.

Metric Feb 2001Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets ---2.21B2.34B2.76B2.93B3.09B3.38B3.71B4.11B4.31B4.38B4.91B5.52B5.80B6.16B6.12B6.27B
Total Equity -190.30M198.29M212.14M237.19M253.90M254.84M279.53M293.84M320.05M381.18M396.29M438.95M468.36M505.14M405.61M454.80M568.98M628.85M
Cash & Equivalents -55.19M42.96M39.06M57.58M60.44M59.69M58.15M--------124.44M87.32M108.75M
Long Term Debt 16.70M--26.77M--0038.99M39.06M39.13M39.20M39.27M73.62M73.91M74.22M124.53M124.84M193.65M
Total Liabilities ---2.00B2.10B2.51B2.67B2.81B3.09B3.39B3.72B3.92B3.95B4.44B5.02B5.39B5.71B5.55B5.65B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 22.27M35.43M32.02M38.70M37.20M35.23M43.09M46.69M46.28M65.14M57.71M43.45M72.96M133.57M10.89M77.13M18.80M
Investing Cash Flow -172.22M-169.21M-104.85M-99.07M-242.19M-153.49M-305.87M-326.68M-372.61M-225.41M-24.73M-531.07M-633.42M-325.16M-310.09M-8.23M-140.04M
Financing Cash Flow 137.72M129.88M91.36M63.23M204.25M116.72M264.75M291.14M354.25M163.83M-22.79M468.55M545.69M242.94M293.17M-106.02M142.67M
Capital Expenditure -1.96M-2.44M-3.68M-5.84M-3.41M-5.33M-7.49M-7.62M-7.74M-2.84M-3.64M-4.26M-9.40M-8.37M-2.99M-4.97M-5.55M
Free Cash Flow 20.31M32.99M28.34M32.86M33.79M29.90M35.60M39.08M38.54M62.30M54.07M39.19M63.56M125.20M7.90M72.15M13.25M
Share Buybacks -69.00K215.00K557.00K229.00K194.00K202.00K-148.00K113.00K293.00K209.00K9.23M15.34M571.00K426.00K11.42M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 5.4%8.3%8.3%8.7%10.0%10.5%9.6%10.0%8.8%10.0%11.1%8.2%15.4%13.9%11.1%-7.3%11.9%
ROCE % -----------------

Shareholding Pattern

Insiders
2.58%
Institutions
82.49%
Public Float
84.68%

Top Institutional Holders

#Holder% HeldSharesValue
1 PL Capital Advisors, LLC 9.23% 1.82M $70.43M
2 Blackrock Inc. 7.51% 1.48M $57.32M
3 Dimensional Fund Advisors LP 4.86% 957.67K $37.14M
4 Adage Capital Partners GP L.L.C. 4.82% 948.44K $36.78M
5 Wellington Management Group, LLP 4.57% 900.49K $34.92M
6 Vanguard Capital Management LLC 4.24% 835.54K $32.40M
7 State Street Corporation 2.94% 579.12K $22.46M
8 Geode Capital Management, LLC 2.89% 568.70K $22.05M
9 Ategra Capital Management, LLC 2.87% 564.10K $21.88M
10 Acadian Asset Management. LLC 2.82% 554.60K $21.51M

Analyst View

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Latest News

Recent headlines for FISI

Google News ue, 14 Jul 2026

[SCHEDULE 13G] FINANCIAL INSTITUTIONS INC Passive Investment Disclosure (>5%) - Stock Titan

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Google News ue, 30 Jun 2026

Are You Looking for a Top Momentum Pick? Why Financial Institutions (FISI) is a Great Choice - Yahoo Finance

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Google News ue, 14 Jul 2026

Hillsdale Investment Management Inc. Invests $7.39 Million in Financial Institutions, Inc. $FISI - MarketBeat

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Google News hu, 09 Jul 2026

Price to book forward of Financial Institutions, Inc. – NASDAQ:FISI - TradingView

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Google News ue, 07 Jul 2026

Lobbying Update: $32,250 of CDFI COALITION FINANCIAL INSTITUTIONS INC. lobbying was just disclosed - Quiver Quantitative

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Google News ue, 07 Jul 2026

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FISI — Frequently Asked Questions

What is the current share price of Financial Institutions, Inc. (FISI)?

As of 2026-07-15 16:51 PDT, Financial Institutions, Inc. (FISI) trades at $39.17 on NasdaqGS. Its 52-week range is $23.72 to $40.07.

What is the market capitalisation of FISI?

Financial Institutions, Inc. (FISI) has a market capitalisation of $771.12M on NasdaqGS.

What is the P/E ratio of FISI?

FISI trades at a trailing price-to-earnings (P/E) ratio of 10.20. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.24.

Does FISI pay a dividend?

Financial Institutions, Inc. (FISI) currently offers a dividend yield of 3.25%.

What is the return on equity (ROE) of FISI?

FISI has a return on equity (ROE) of 12.93%.

Is FISI a good stock to buy?

This page provides a data-driven analysis of Financial Institutions, Inc. (FISI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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