Financial Institutions Inc (FISI)

Financial Institutions, Inc. is a common stock listed on the NASDAQ exchange under the symbol FISI. Through its subsidiaries, the company provides banking and financial services to consumer, commercial, and municipal clients in New York. Its offerings include deposit products such as checking and savings accounts, money market accounts, certificates of deposit, sweep investments, IRAs and other qualified retirement accounts, and NOW accounts. The company also provides a range of lending solutions, including commercial term loans, lines of credit, commercial mortgage loans, residential mortgage loans, home equity products, home improvement loans, and consumer loans for automobiles, personal use, recreational vehicles, boats, and other secured or unsecured borrowing needs. In addition, it provides investment advisory, wealth management, consulting, and retirement plan services. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Payment Date Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-FISI
$32.24
-20.7% Downside
Overvalued
$45
10.7% Upside
Fair
Good
October 2, 2026
3.1%
October 22, 2026
9.9x
1.3x
3.3x
800.9 M
28.3%
87.9%
-1.9
32.0%
69.3%
Valuation • Fair Value

Financial Institutions Inc (NASDAQ-FISI) Fair Value by Valuation Model

Review the available estimates for Financial Institutions Inc (NASDAQ-FISI), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$32.24

Estimated downside of 20.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$45.70

Classic Ben Graham valuation formula reference.

Comps Fair Value

$32.24

Comparable-company valuation reference.

Analyst Price Target

$45

Analysts imply upside of 10.7%.

How to read these valuation models

Use the 5 available valuation references for Financial Institutions Inc (NASDAQ-FISI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Financial Institutions Inc (NASDAQ-FISI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

243.5 M

Current operating scale indicator.

Revenue Forecast

260.9 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Financial Institutions Inc (NASDAQ-FISI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Financial Institutions Inc (NASDAQ-FISI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

69.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Financial Institutions Inc (NASDAQ-FISI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Financial Institutions Inc (NASDAQ-FISI)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

34

Dividend Payment Date

October 2, 2026

Dividend Yield

3.1%

Current income yield reference.

Payout Ratio

32.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Financial Institutions Inc (NASDAQ-FISI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Financial Institutions Inc (NASDAQ-FISI) Stock Forecast & Technical Outlook

Review Financial Institutions Inc (NASDAQ-FISI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Financial Institutions Inc (NASDAQ-FISI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Buy

The 1-hour technical read for Financial Institutions Inc (NASDAQ-FISI) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Financial Institutions Inc (NASDAQ-FISI) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Financial Institutions Inc (NASDAQ-FISI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Financial Institutions Inc (NASDAQ-FISI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Financial Institutions Inc (NASDAQ-FISI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Financial Institutions Inc (NASDAQ-FISI) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ Fast Investor Answers

Financial Institutions Inc (NASDAQ-FISI) Stock FAQ

Data-supported answers about Financial Institutions Inc (NASDAQ-FISI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$32.24
Estimated downside 20.7%
Valuation Rating
Overvalued
Estimated downside of 20.7%
Analyst Target
$45
Implied upside 10.7%
Financial Health
Good
Current financial-health read

The current fair value estimate for Financial Institutions Inc (NASDAQ-FISI) is $32.24. This implies an estimated downside of 20.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 20.7% versus the current market price.

The available analyst price target for Financial Institutions Inc (NASDAQ-FISI) is $45. The analyst target implies estimated upside of 10.7%.

The current financial health read for Financial Institutions Inc (NASDAQ-FISI) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Financial Institutions Inc (NASDAQ-FISI) is October 22, 2026.

Based on the current data, dividend yield is 3.1%, payment date is October 2, 2026.

The current P/E ratio listed for Financial Institutions Inc (NASDAQ-FISI) is 9.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Financial Institutions Inc is 800.9 M.

The ticker symbol for Financial Institutions Inc is NASDAQ-FISI, and the stock is listed on NASDAQ.

Financial Institutions Inc (NASDAQ-FISI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Financial Institutions Inc is 28.3%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Financial Institutions Inc is 87.9%. Free float helps investors understand how much of the share base is available for public trading.