Financial Institutions Inc (FISI) Stock Price & Analysis
Financial Institutions Inc (FISI) fell 1.29% to USD 41.16 as of September 8, 2026 at 23:56 UTC, according to Nexqual real-time market data.
FISI last closed at USD 41.7; the session ranged USD 40.99–41.94 on volume of 117,830 shares. Market capitalization is $811.11M, with a 52-week range of USD 25.61–42.97 (NMS). Source: Nexqual, September 8, 2026 at 23:56 UTC.
Key Statistics (as of September 8, 2026 at 23:56 UTC)
| Price | USD 41.16 |
|---|---|
| Change | ▼ 1.29% (down) |
| Previous Close | USD 41.7 |
| Open | USD 41.56 |
| Day Range | USD 40.99 – 41.94 |
| 52-Week Range | USD 25.61 – 42.97 |
| Volume | 117,830 shares |
| Market Cap | $811.11M |
| Exchange | NMS |
Technical Analysis (FISI)
Nexqual's technical model rates FISI "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of September 8, 2026 at 23:56 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 55.74 (neutral) |
| vs SMA50 | Above (USD 40.51) |
| MACD | 0.11 (positive) |
Analyst Ratings (FISI)
Wall Street analysts rate FISI "None" based on 2 analysts, with a mean price target of USD 45 (range USD 45–45), per Nexqual as of September 8, 2026 at 23:56 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 2 |
| Mean Target | USD 45 |
| High Target | USD 45 |
| Low Target | USD 45 |
| Buy / Hold / Sell | 1 / 1 / 0 |
Earnings (FISI)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 1.05 |
| Revenue Estimate | $66.55M |
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, September 8, 2026 at 23:56 UTC.
Financials & Fundamentals (FISI)
| Total Revenue | $243.46M |
|---|---|
| Revenue Growth (YoY) | +7.00% |
| Gross Margin | +0.00% |
| Operating Margin | +43.60% |
| Profit Margin | +33.94% |
| ROE | +13.27% |
| Total Cash | $128.36M |
| Total Debt | $320.00M |
Source: Nexqual, September 8, 2026 at 23:56 UTC.
Financial Health Score (FISI)
Nexqual rates Financial Institutions Inc's overall financial health "Mixed" across five dimensions, as of September 8, 2026 at 23:56 UTC.
| Growth | Solid — Revenue +13% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $128M cash vs $320M debt |
| Cash Flow | Solid — Operating cash flow $61M |
| Efficiency | Mixed — ROE 13%, ROA 1.3% |
Ownership (FISI)
| Insider Ownership | +2.58% |
|---|---|
| Institutional Ownership | +81.33% |
| Shares Outstanding | 19.71M |
| Float | 17.33M |
| Short % of Float | +2.64% |
Source: Nexqual, September 8, 2026 at 23:56 UTC.
Leadership (FISI)
Financial Institutions Inc is led by Martin K. Birmingham (age 59), President, CEO & Director, per Nexqual as of September 8, 2026 at 23:56 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., Acadian Asset Management. LLC, according to Nexqual as of September 8, 2026 at 23:56 UTC.
Active Investors
| Investor | Stake |
|---|---|
| PL Capital Advisors, LLC | 9.22% |
| Adage Capital Partners GP L.L.C. | 4.24% |
| Acadian Asset Management. LLC | 3.01% |
| Ategra Capital Management, LLC | 2.86% |
| Two Sigma Investments, LP | 2.32% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 12.37% |
| Vanguard Group | 8.44% |
| Dimensional Fund Advisors | 5.09% |
| State Street | 3.8% |
| Geode Capital | 2.98% |
Source: Nexqual, September 8, 2026 at 23:56 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 48.16 | ▼ 1.59% |
| FNLC | First Bancorp, Inc (ME) | USD 34.58 | ▼ 1.28% |
| FBNC | First Bancorp | USD 64.71 | ▲ 0.58% |
| FBIZ | First Business Financial Servic | USD 72.24 | ▲ 0.28% |
| GABC | German American Bancorp, Inc. | USD 49.6 | ▼ 0.38% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: September 8, 2026 at 23:56 UTC. This page is informational and not investment advice.