Financial Institutions Inc (FISI) Stock Price & Analysis
Financial Institutions Inc (FISI) rose 4.91% to USD 40.62 as of July 25, 2026 at 06:34 UTC, according to Nexqual real-time market data.
FISI last closed at USD 38.72; the session ranged USD 38.78–41.13 on volume of 261,809 shares. Market capitalization is $799.66M, with a 52-week range of USD 24.62–41.18 (NMS). Source: Nexqual, July 25, 2026 at 06:34 UTC.
Key Statistics (as of July 25, 2026 at 06:34 UTC)
| Price | USD 40.62 |
|---|---|
| Change | ▲ 4.91% (up) |
| Previous Close | USD 38.72 |
| Open | USD 38.98 |
| Day Range | USD 38.78 – 41.13 |
| 52-Week Range | USD 24.62 – 41.18 |
| Volume | 261,809 shares |
| Market Cap | $799.66M |
| Exchange | NMS |
Technical Analysis (FISI)
Nexqual's technical model rates FISI "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 06:34 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 65.1 (neutral) |
| vs SMA50 | Above (USD 37.5) |
| MACD | 0.56 (positive) |
Analyst Ratings (FISI)
Wall Street analysts rate FISI "None" based on 2 analysts, with a mean price target of USD 40 (range USD 38–42), per Nexqual as of July 25, 2026 at 06:34 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 2 |
| Mean Target | USD 40 |
| High Target | USD 42 |
| Low Target | USD 38 |
| Buy / Hold / Sell | 1 / 1 / 0 |
Earnings (FISI)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 1.02 |
| Revenue Estimate | $65.59M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.04 vs est 0.93 ▲ beat |
| 2026-03-31 | USD 1.04 vs est 0.92 ▲ beat |
| 2025-12-31 | USD 0.96 vs est 0.95 ▲ beat |
| 2025-09-30 | USD 0.99 vs est 0.88 ▲ beat |
Source: Nexqual, July 25, 2026 at 06:34 UTC.
Financials & Fundamentals (FISI)
| Total Revenue | $239.43M |
|---|---|
| Revenue Growth (YoY) | +11.30% |
| Gross Margin | +0.00% |
| Operating Margin | +42.89% |
| Profit Margin | +32.98% |
| ROE | +12.93% |
| Total Cash | $113.20M |
| Total Debt | $250.31M |
Source: Nexqual, July 25, 2026 at 06:34 UTC.
Financial Health Score (FISI)
Nexqual rates Financial Institutions Inc's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:34 UTC.
| Growth | Solid — Revenue +13% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $113M cash vs $250M debt |
| Cash Flow | Solid — Operating cash flow $32M |
| Efficiency | Mixed — ROE 13%, ROA 1.3% |
Ownership (FISI)
| Insider Ownership | +2.58% |
|---|---|
| Institutional Ownership | +82.63% |
| Shares Outstanding | 19.69M |
| Float | 17.31M |
| Short % of Float | +2.59% |
Source: Nexqual, July 25, 2026 at 06:34 UTC.
Leadership (FISI)
Financial Institutions Inc is led by Martin K. Birmingham (age 59), President, CEO & Director, per Nexqual as of July 25, 2026 at 06:34 UTC.
| President, CEO & Director | Martin K. Birmingham (age 59) |
|---|---|
| Executive VP, CFO & Treasurer | William Jack Plants (age 41) |
| Senior Vice President & Chief Human Resources Officer | Laurie R. Collins (age 41) |
| Director of Investor & External Relations | Kate Croft |
| Senior VP & Chief Marketing Officer | Blake G. Jones (age 43) |
Major Backers & Investors (FISI)
Notable institutional backers of Financial Institutions Inc include PL Capital Advisors, LLC, Adage Capital Partners GP L.L.C., Wellington Management, according to Nexqual as of July 25, 2026 at 06:34 UTC.
Active Investors
| Investor | Stake |
|---|---|
| PL Capital Advisors, LLC | 9.23% |
| Adage Capital Partners GP L.L.C. | 4.82% |
| Wellington Management | 4.57% |
| Ategra Capital Management, LLC | 2.87% |
| Acadian Asset Management. LLC | 2.82% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 10.75% |
| Vanguard Group | 8.37% |
| Dimensional Fund Advisors | 4.86% |
| State Street | 3.79% |
| Geode Capital | 2.89% |
Source: Nexqual, July 25, 2026 at 06:34 UTC.
From Financial Institutions Inc's Latest SEC 10-K Filing (filed 2026-03-09)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe this focus allows us to be more responsive to our customers' needs and provide a high level of personal service that differentiates us from larger competitors, resulting in long-standing and broad-based banking relationships.
- Deepening our existing digital capabilities allows us to capitalize on a shift in customer preferences away from physical branches.
- We seek to develop a high-performing and engaged team and we have adapted our approach to training over time to support that goal.
- 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).
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FCBC | First Community Bankshares, Inc | USD 48.48 | ▲ 3.35% |
| FNLC | First Bancorp, Inc (ME) | USD 34.98 | ▲ 3.19% |
| FBNC | First Bancorp | USD 62.74 | ▲ 0.21% |
| FBIZ | First Business Financial Servic | USD 67.18 | ▲ 1.57% |
| FRME | First Merchants Corporation | USD 43.18 | ▼ 1.3% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:34 UTC. This page is informational and not investment advice.