FINANCIAL INSTITUTIONS INC
FISINASDAQTrading Snapshot
- Day Range
- $323.17 – $332.33
- 52-Week Range
- $25.61 – $42.97
- Volume
- $2.70B
- Avg Volume
- $2.40B
- Shares Outstanding
- 19.7M
- Next Earnings
- Dec 10, 2026
Fundamentals Snapshot
- Annual Revenue
- $378M
- Last Q Revenue
- $31M
- P/E Ratio
- 9.6
- P/S Ratio
- 2.5x
- EPS (TTM)
- $4.21
- Dividend Yield
- 3.23%
- Dilution (1yr)
- +23.8%
Why Investors Own FISI
- ✓High-growth profile — revenue up +46.0% YoY with expanding US Equity exposure.
- ✓Healthy economics — 52% gross margin and 18% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
FINANCIAL INSTITUTIONS INC
FISI
StockOtter · stockotter.spaceAbout FINANCIAL INSTITUTIONS INC
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Price Target
ⓘLatest News & Updates
FINANCIAL INSTITUTIONS INC tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift FISI price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
FINANCIAL INSTITUTIONS INC announces new agreement to expand its footprint
The move broadens the company’s reach and could add incremental revenue over the next year.