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Financial Institutions, Inc. (FISI)

Profile

Full Name

Financial Institutions, Inc.

Ticker

NASDAQ: FISI

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

June 25, 1999

Indexes

Not included

Website

https://financialinstitutionsinc.q4ir.com

Employees

598

Key Details

Price

$31.07(0.68%)

Market Cap

$625.45M(Small cap)

Last Dividend

$0.31

TTM Dividend Yield

3.96%

Annual Revenue

$263.44M(-20.47% YoY)

Annual EPS

-$2.75(-187.15% YoY)

PE Ratio

-

Next earnings date

Jan 29, 2026

Next ex-dividend date

Dec 15, 2025

Next split date

N/A

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    Analyst ratings

    Price

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    Current Price

    $31.07
    FISI price is $31.07

    30-Day Relative Volume

    0.83
    FISI 30-day relative volume is 0.83

    Price Performance

    Price Most Recent Change

    +0.68%
    FISI price was up +0.68% on Dec 8, 2025

    Price YTD Change

    +13.85%
    FISI price is up +13.85% since January 1st

    Price 1-Year Change

    +16.24%
    FISI price is up +16.24% year-on-year

    Price 3-Year Change

    +29.03%
    FISI price is up +29.03% over the past 3 years

    Price Range

    Price All-Time High

    $38.85
    FISI price is currently -20.03% below its historical high of $38.85

    Price 3-Year Low

    $13.84
    FISI price is currently +124.49% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $625.45M
    FISI market cap is $625.45 million

    Market Cap 3-Year Change

    +69.38%
    FISI market cap is up +69.38% over the past 3 years

    Market Cap All-Time High

    $629.28M
    FISI market cap is currently -0.61% below its historical high of $629.28 million

    Market Cap Sector Percentile

    60.33%
    FISI market cap is higher than 60.33% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +30.09%
    FISI shares outstanding is up +30.09% year-on-year

    Shares Outstanding 3-Year Change

    +31.27%
    FISI shares outstanding is up +31.27% over the past 3 years

    Technical Indicators

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    Beta

    0.88
    FISI beta is 0.88

    200-day SMA

    $26.58
    FISI price is currently +16.91% above its 200-day simple moving average

    50-day SMA

    $28.54
    FISI price is currently +8.85% above its 50-day simple moving average

    14-Day RSI

    65.76
    FISI 14-day relative strength index is 65.76

    Volume

    0.83
    FISI 30-day relative volume is 0.83

    ATR

    $0.63
    FISI average true range is $0.63

    10-day Historical Volatility

    23.18%
    FISI 10-day historical volatility is 23.18%

    Dividend

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    Events

    Last Paid Dividend

    $0.31
    FISI last dividend was $0.31 per share, with an ex-dividend date of September 15, 2025

    Next Dividend

    $0.31
    FISI has announced a dividend of $0.31 per share, with an ex-dividend date set for December 15, 2025

    Dividend per share

    Dividend Per Share

    $1.20
    FISI annual dividend per share is $1.20

    Dividend Per Share Sector Percentile

    61.9%
    FISI annual dividend per share is higher than 61.9% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    0%
    FISI annual dividend per share has remained unchanged year-on-year

    Dividend Per Share 3-Year Change

    +11.11%
    FISI annual dividend per share is up +11.11% over the past 3 years

    Dividend yield

    Dividend Yield

    3.86%
    FISI annual dividend yield is 3.86%

    Dividend Yield Sector Percentile

    45.07%
    FISI annual dividend yield is higher than 45.07% of companies in Financial Services sector

    Other

    Payout Ratio

    -47.96%
    FISI annual payout ratio is -47.96%

    Dividends Paid

    $19.97M
    FISI annual dividends paid is $19.97 million

    Free Cash Flow

    $72.42M
    FISI annual free cash flow is $72.42 million

    Income Statement

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    Revenue

    Revenue

    $263.44M
    FISI annual revenue is $263.44 million

    Revenue Analysts Estimate

    $243.42M
    FISI annual revenue is currently +8.22% higher than the consensus analysts' forecast

    Revenue 1-Year Change

    -20.47%
    FISI annual revenue is down -20.47% year-on-year

    Revenue Sector Percentile

    63.88%
    FISI annual revenue is higher than 63.88% of companies in Financial Services sector

    EPS

    EPS

    -$2.75
    FISI annual earnings per share is -$2.75

    EPS Analysts Estimate

    $3.57
    FISI annual earnings per share is currently -176.99% lower than the consensus analysts' forecast

    EPS 1-Year Change

    -187.15%
    FISI annual earnings per share is down -187.15% year-on-year

    EPS Sector Percentile

    2.25%
    FISI annual earnings per share is higher than 2.25% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    FISI annual gross profit is $0.00

    Gross Margin

    0.00%
    FISI annual gross profit margin is 0.00%

    Operating Profit

    -$47.47M
    FISI annual operating income is -$47.47 million

    Operating Margin

    -18.02%
    FISI annual operating profit margin is -18.02%

    Net Income

    -$41.65M
    FISI annual net profit is -$41.65 million

    Net Margin

    -15.81%
    FISI annual net profit margin is -15.81%

    Expenses

    Total Expenses

    $305.09M
    FISI annual total expenses is $305.09 million

    Operating Expenses

    $47.47M
    FISI annual total operating expenses is $47.47 million

    Cost Of Goods Sold

    -
    FISI annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    FISI annual SG&A is $0.00

    Depreciation & Amortization

    $7.67M
    FISI annual D&A is $7.67 million

    Interest Expense

    $149.64M
    FISI annual interest expense is $149.64 million

    Income Tax

    -$26.50M
    FISI annual income tax is -$26.50 million

    EBIT & EBITDA

    EBIT

    $81.49M
    FISI annual earnings before interest & taxes is $81.49 million

    EBITDA

    $89.17M
    FISI annual EBITDA is $89.17 million

    Balance Sheet

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    Assets

    Total Assets

    $6.13B
    FISI annual total assets is $6.13 billion

    Non Current Assets

    $6.02B
    FISI annual long term assets is $6.02 billion

    Current Assets

    $111.72M
    FISI annual total current assets is $111.72 million

    Cash and Cash Equivalents

    $54.96M
    FISI annual cash & cash equivalents is $54.96 million

    Accounts Receivable

    $23.75M
    FISI annual accounts receivable is $23.75 million

    Inventory

    -
    FISI annual inventory value is unknown

    Liabilities

    Total Liabilities

    $5.56B
    FISI annual total liabilities is $5.56 billion

    Long Term Liabilities

    $202.67M
    FISI annual total long term liabilities is $202.67 million

    Current Liabilities

    $3.27B
    FISI annual current liabilities is $3.27 billion

    Accounts Payable

    $25.86M
    FISI annual accounts payable is $25.86 million

    Debt

    Total Debt

    $256.61M
    FISI annual total debt is $256.61 million

    Total Debt 1-Year Change

    -25.26%
    FISI annual total debt is down -25.26% year-on-year

    Long Term Debt

    $154.68M
    FISI annual long term debt is $154.68 million

    Short Term Debt

    $101.93M
    FISI annual short term debt is $101.93 million

    Equity & Capital

    Shareholders Equity

    $568.98M
    FISI annual stockholders equity is $568.98 million

    Book Value

    $551.70M
    FISI annual book value is $551.70 million

    Retained Earnings

    $388.67M
    FISI annual retained earnings is $388.67 million

    Working Capital

    -$3.16B
    FISI annual working capital is -$3.16 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $77.42M
    FISI annual cash from operations is $77.42 million

    Cash From Operations 1-Year Change

    +594.47%
    FISI annual cash from operations is up +594.47% year-on-year

    Cash From Investing

    -$8.52M
    FISI annual cash from investing is -$8.52 million

    Cash From Investing 1-Year Change

    +97.25%
    FISI annual cash from investing is up +97.25% year-on-year

    Cash From Financing

    -$106.02M
    FISI annual cash from financing is -$106.02 million

    Cash From Financing 1-Year Change

    -136.16%
    FISI annual cash from financing is down -136.16% year-on-year

    CAPEX

    CAPEX

    $5.00M
    FISI annual capital expenditures is $5.00 million

    CAPEX 1-Year Change

    -91.17%
    FISI annual capital expenditures is down -91.17% year-on-year

    Free Cash Flow

    Free Cash Flow

    $72.42M
    FISI annual free cash flow is $72.42 million

    Free Cash Flow 1-Year Change

    +259.16%
    FISI annual free cash flow is up +259.16% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    FISI annual gross profit margin is 0.00%

    Operating Margin

    -18.02%
    FISI annual operating profit margin is -18.02%

    Net Margin

    -15.81%
    FISI annual net profit margin is -15.81%

    ROA & ROE

    ROA

    -0.68%
    FISI annual return on assets is -0.68%

    ROE

    -8.14%
    FISI annual return on equity is -8.14%

    Valuation

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    PE Ratio

    PE Ratio

    -
    FISI price to earnings ratio value is unknown

    PE Ratio Sector Percentile

    -
    FISI price to earnings ratio is unknown

    PB Ratio

    PB Ratio

    -17.02
    FISI price to book ratio is -17.02

    PB Ratio Sector Percentile

    1.55%
    FISI price to book ratio is higher than 1.55% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    2.36
    FISI price to sales ratio is 2.36

    PS Ratio Sector Percentile

    58.14%
    FISI price to sales ratio is higher than 58.14% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $706.45M
    FISI enterprise value is $706.45 million

    Enterprise Value Sector Percentile

    56.86%
    FISI enterprise value is higher than 56.86% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    FISI EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    FISI EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.03
    FISI annual current ratio is 0.03

    Quick Ratio

    -
    FISI annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.45
    FISI annual debt to equity ratio is 0.45

    Interest Coverage Ratio

    0.54
    FISI annual interest coverage ratio is 0.54

    Risk & Stability

    F-Score

    3
    FISI piotroski f-score is 3

    Altman Z-Score

    -0.38
    FISI altman z-score is -0.38

    Analyst ratings

    Recent major analysts updates

    Oct 27, 25 Keefe, Bruyette & Woods
    Outperform
    Mar 11, 25 Stephens & Co.
    Equal-Weight
    Feb 3, 25 Keefe, Bruyette & Woods
    Outperform
    Jan 31, 25 Stephens & Co.
    Equal-Weight
    Dec 4, 24 Keefe, Bruyette & Woods
    Market Perform
    Jul 29, 24 Keefe, Bruyette & Woods
    Market Perform
    Apr 5, 24 Keefe, Bruyette & Woods
    Market Perform
    Apr 2, 24 Keefe, Bruyette & Woods
    Market Perform
    Mar 25, 24 Piper Sandler
    Neutral
    Jul 13, 23 Stephens & Co.
    Equal-Weight

    Institutional Ownership

    Screeners with FISI included

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    • What is the ticker symbol for Financial Institutions, Inc.?
    • Does Financial Institutions, Inc. pay dividends?
    • What sector is Financial Institutions, Inc. in?
    • What industry is Financial Institutions, Inc. in?
    • What country is Financial Institutions, Inc. based in?
    • When did Financial Institutions, Inc. go public?
    • Is Financial Institutions, Inc. in the S&P 500?
    • Is Financial Institutions, Inc. in the NASDAQ 100?
    • Is Financial Institutions, Inc. in the Dow Jones?
    • When was Financial Institutions, Inc.'s last earnings report?
    • When does Financial Institutions, Inc. report earnings?

    What is the ticker symbol for Financial Institutions, Inc.?

    The ticker symbol for Financial Institutions, Inc. is NASDAQ:FISI

    Does Financial Institutions, Inc. pay dividends?

    Yes, Financial Institutions, Inc. pays dividends. The last payment was $0.31, with an ex-dividend date on September 15, 2025

    What sector is Financial Institutions, Inc. in?

    Financial Institutions, Inc. is in the Financial Services sector

    What industry is Financial Institutions, Inc. in?

    Financial Institutions, Inc. is in the Regional Banks industry

    What country is Financial Institutions, Inc. based in?

    Financial Institutions, Inc. is headquartered in United States

    When did Financial Institutions, Inc. go public?

    Financial Institutions, Inc.'s initial public offering (IPO) was on June 25, 1999

    Is Financial Institutions, Inc. in the S&P 500?

    No, Financial Institutions, Inc. is not included in the S&P 500 index

    Is Financial Institutions, Inc. in the NASDAQ 100?

    No, Financial Institutions, Inc. is not included in the NASDAQ 100 index

    Is Financial Institutions, Inc. in the Dow Jones?

    No, Financial Institutions, Inc. is not included in the Dow Jones index

    When was Financial Institutions, Inc.'s last earnings report?

    Financial Institutions, Inc.'s most recent earnings report was on October 23, 2025

    When does Financial Institutions, Inc. report earnings?

    The next expected earnings date for Financial Institutions, Inc. is January 29, 2026
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