Financial Services
Financial Institutions, Inc.(FISI)
Live Price
Offline$37.36
+0.92% today
1Y Change
+48.49%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $700.00M
- Revenue Growth
- +43.1%
- EPS Growth
- +232.7%
- Dividend Yield
- 3.5%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Financial Institutions, Inc. (FISI) is a Financial Services stock with a market cap of $700.00M and listed on NASDAQ. The stock last traded around $37.36 and up 48.5% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +43.1%, EPS growth of +232.7%, a dividend yield of 3.5%. What stands out right now is revenue +43.1%, EPS +232.7%, free cash flow -81.6% with operating margin 25.3% and ROIC 8.3%. The dividend matters to the case here, with a current yield around 3.5%. Valuation is more restrained than many high-expectation growth names at P/E 8.8 and price/sales 1.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines FISI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+43.1% vs +3.4% peer median
Operating Margin
Above sector median
+25.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +43.1% and EPS at +232.7%, with operating margin around 25.3%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +4.6% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -1.3% | -0.2% | +3.6% |
2026 Jan 29, 2026 | +1.1% | +0.0% | +5.7% | -4.7% |
2025 Oct 23, 2025 | +5.3% | +9.3% | +8.3% | +7.6% |
Benchmark Edge
FISI vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FISI
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FISI Max Drawdown
-13.92%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FISI and SPY.
Company Overview
Financial Institutions, Inc.
NASDAQ Global Select
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
- Leadership
- Martin K. Birmingham
- IPO Date
- Jun 25, 1999
- Employees
- 598
- Street Address
- 220 Liberty Street
- Mailing
- Warsaw, NY, 14569
- Region
- Warsaw, NY, US
- Reporting Currency
- USD
- Investor Line
- 585 786 1100
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.8
- EV/EBITDA
- 8.1
- Price/Sales
- 1.8
- Price/Book
- 1.1
Growth
- Revenue
- +43.1%
- EPS
- +232.7%
- Free Cash Flow
- -81.6%
Profitability
- Gross Margin
- 63.7%
- Operating Margin
- 25.3%
- Net Margin
- 20.9%
- ROE
- 12.7%
- ROIC
- 8.3%
Balance Sheet
- Debt/Equity
- 0.30
- Current Ratio
- 0.86
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.