FISI — FINANCIAL INSTITUTIONS INC

Nasdaq · Financials · Banks · CIK 862831 ·
Last close
$36.22
Market Cap
$713.04M
52W High
$36.48
52W Low
$29.15
ADV30
92,943
Next earnings
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.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026 62,442,000 20,985,000 6,294,783,000 85,451,000 5,663,113,000
Dec 2025 63,663,000 19,980,000 6,274,140,000 108,751,000 5,645,286,000
Sep 2025 63,622,000 20,477,000 6,288,052,000 185,945,000 5,666,332,000
Jun 2025 59,432,000 17,532,000 6,143,766,000 93,034,000 5,542,098,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$32,485,000
Investing CF
$-48,537,000
Financing CF
$-65,849,000
CapEx
$-5,382,000
Dividends Paid
$-26,394,000
Buybacks
$-17,068,000
EPS Diluted TTM
$3.84
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$451,479,000
Inventory
Receivables
$25,487,000
ST Investments
$99,790,000
EBIT TTM
Pretax Income TTM
$95,562,000
Interest Exp TTM
$128,386,000
Analysts
2

Yahoo Snapshot (yfinance, live)

Total Revenue
$239,432,992
EBITDA
Free Cash Flow
Enterprise Value
$850,500,032
Total Cash
$113,202,000
Total Debt
$250,307,008
Shares Out
19,686,370
Trailing EPS
$3.84
Book Value
$31.21
ROE
12.9%
ROA
1.2%
Div Yield
3.57%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 243,539,000 74,867,000 6,274,140,000 5,645,286,000 18,802,000
Dec 2024 114,526,000 -41,646,000 6,117,085,000 5,548,101,000 77,127,000
Dec 2023 212,176,000 50,264,000 6,160,881,000 5,706,085,000 10,894,000
Dec 2022 212,350,000 56,573,000 5,797,272,000 5,391,667,000 133,573,000

TTM Snapshot

Revenues TTM
NetIncome TTM
OpCashFlow TTM
Assets (Latest)
Forward EPS
$4.19

Peers — same industry

TickerNameMarket CapLastDaily %
SMBK SMARTFINANCIAL INC. $715.91M $41.87
IBCP INDEPENDENT BANK CORP /MI/ $708.03M $34.36
ALRS ALERUS FINANCIAL CORP $724.71M $28.84
ORRF ORRSTOWN FINANCIAL SERVICES INC $729.52M $37.13
SHBI SHORE BANCSHARES INC $684.84M $20.47

News headlines (Yahoo Finance, 1h cache)

Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks
2026-05-22 13:10 · Yahoo
Charm Security and Give an Hour Launch National Scam Survivor Day Initiative to Support Financial Institutions' Frontline Teams
2026-05-21 12:55 · Yahoo
Financial Institutions, Inc. Announces Quarterly Cash Dividend
2026-05-20 20:05 · Yahoo
Axos Financial Stock Is Up 15%, but One Fund Just Sold $3.6 Million Worth of Shares
2026-05-20 19:37 · Yahoo
Financial Institutions (FISI) Could Be a Great Choice
2026-05-20 15:45 · Yahoo
How The Investment Story For Financial Institutions (FISI) Is Evolving With The New US$38.50 Target
2026-05-15 05:12 · Yahoo
Exploring 3 Top Undervalued Small Caps With Insider Action Across Regions
2026-05-08 11:39 · Yahoo
Financial Institutions, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
2026-05-07 10:31 · Yahoo
Are You Looking for a High-Growth Dividend Stock?
2026-05-04 15:45 · Yahoo
How The Investment Narrative Around Financial Institutions (FISI) Is Shifting On Modest Target Upgrades
2026-04-30 20:04 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.