Financial Institutions, Inc. (FISI) Stock Price & Analysis

Financial Institutions, Inc. (FISI) closed at USD 40.77 on Wednesday, October 28, 2026, down 0.07% on the day. The US market is currently closed; this is not a live price.

The prior close was USD 40.8; the Oct 28, 2026 session ranged USD 40.25–41.05 on volume of 104,979 shares. Market capitalization is $803.43M, with a 52-week range of USD 28–42.97 (NMS). Source: Nexqual, retrieved October 29, 2026 at 01:32 UTC.

Also available as compact Markdown for AI agents: nexqual.com/FISI.md

Key facts (FISI)

• Last four reported quarters (through Jun 30, 2026): revenue $255M, net income $82.6M (32.4% margin) (SEC filings).
• Valuation: P/E 9.7x (avg 7.5x at the last 2 fiscal year-ends).
• Insider open-market purchases, last ~7 months: 1 Form 4 filing, $25K; 0 by opportunistic insiders, 0 by routine insiders.
• Analysts: Buy (mean 2.00 on a 1–5 scale) (2 analysts), mean target USD 45 (range 45–45).
• Total return with dividends: 1Y +46.3% vs S&P 500 +13.2%; 5Y +63.1% vs S&P 500 +79.8%.
• Next earnings: 2026-10-29, EPS estimate USD 1.05, revenue estimate $66.6M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FISI)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (FISI)

P/E 9.7x · P/S 3.1x · P/FCF 14.3x · P/B 1.3x · FCF yield 7.00% · Earnings yield 10.28% · Dividend yield (paid, TTM) 3.11% · Buyback yield (TTM) 2.13%

P/E at fiscal year-ends: Dec 2025 8.5x, Dec 2023 6.6x.

Insider purchases (SEC Form 4, open-market, last ~7 months) (FISI)

1 purchase, $25K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (FISI)

Consensus Buy (mean 2.00 on a 1–5 scale), 2 analysts; mean target USD 45 (low 45, high 45).

Rating changes, last 120 days:

Total return (dividends reinvested) (FISI)

FISI earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

FISI recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

FISI company outlook (results filed Jul 23, 2026)

• “The provision for credit losses on unfunded commitments, which is included in the provision for credit losses as required by the current expected credit loss standard ("CECL"), totaled a credit of $1.0 million in the second quarter of 2026, compared to a credit of $116 thousand in the first quarter of 2026 and a provision of $185 thousand in the second quarter of 2025.”

Quoted word-for-word from the SEC 8-K results press release.

FISI analyst estimates and revisions

FISI options: expected move

Options price a move of about ±12.6% (±$5.13) by Dec 18, 2026, which includes earnings on Oct 29, 2026. Over the last 8 reports the stock moved ±4.7% on average.

30-day implied volatility 32.8% vs 17.3% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 29, 2026 at 01:32 UTC)

Technical Analysis (FISI)

Nexqual's technical model rates FISI "BUY" based on 5 bullish and 1 bearish signals across 126 daily candles, as of October 29, 2026 at 01:32 UTC.

Analyst Ratings (FISI)

Wall Street analysts rate FISI "Buy" based on 2 analysts, with a mean price target of USD 45 (range USD 45–45), per Nexqual as of October 29, 2026 at 01:32 UTC.

Earnings (FISI)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 01:32 UTC.

Financials & Fundamentals (FISI)

Source: Nexqual, October 29, 2026 at 01:32 UTC.

Financial Health Score (FISI)

Nexqual rates Financial Institutions, Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 01:32 UTC.

Ownership (FISI)

Source: Nexqual, October 29, 2026 at 01:32 UTC.

Leadership (FISI)

Financial Institutions, Inc. is led by Martin K. Birmingham, President, CEO & Director, per Nexqual as of October 29, 2026 at 01:32 UTC.

Major Backers & Investors (FISI)

Notable institutional backers of Financial Institutions, Inc. include PL Capital Advisors, LLC, Adage Capital Partners GP L.L.C., Acadian Asset Management. LLC, according to Nexqual as of October 29, 2026 at 01:32 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 01:32 UTC.

From Financial Institutions, Inc.'s Latest SEC 10-K Filing (filed 2026-03-09)

Key Strengths & Strategy (as disclosed to the SEC)

• Deepening our existing digital capabilities allows us to capitalize on a shift in customer preferences away from physical branches.
• We have developed relationships with franchised new car dealers in Western, Central and the Capital District of New York.

Partnerships

• Under the limited exception, qualified banks are able to exempt from treatment as "brokered" deposits up to $5 billion or 20% of the institution's total liabilities in reciprocal deposits (which are defined as deposits received by a financial institution through a deposit placement network with the same maturity (if any) and in the same aggregate amount as deposits placed by the institution in other network member banks).

Legal & Regulatory Risks (Item 1A, quoted)

• Legal and regulatory proceedings and related matters could adversely affect us and the banking industry in general.
• We have been, and may in the future be, subject to various legal and regulatory proceedings, including class action litigation.
• We establish reserves for legal claims when payments associated with the claims become probable and the costs can be reasonably estimated.
• Any future FDIC insurance premium increases may adversely affect our earnings.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 01:32 UTC. This page is informational and not investment advice.

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