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Financial Institutions Inc

FISI
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33.820USD
-0.430-1.26%
Close 05/15, 16:00ETQuotes delayed by 15 min
665.79MMarket Cap
8.72P/E TTM

Financial Institutions Inc

33.820
-0.430-1.26%
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison

TradingKey Stock Score of Financial Institutions Inc

Currency: USD Updated: 2026-05-15

Key Insights

Financial Institutions Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 115 out of 394 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 38.50.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows strong technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Financial Institutions Inc's Score

Industry at a Glance

Industry Ranking
115 / 394
Overall Ranking
190 / 4482
Industry
Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score
Previous score

Media Coverage

Last 24 hours
Coverage Level

Very Low
Very High
Negative

Financial Institutions Inc Highlights

StrengthsRisks
Financial Institutions, Inc. is a financial holding company. It provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. It offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. It offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. It offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 216.48M.
Turnaround to Profit
The company's performance has turned profitable, with the latest annual net income of USD .
Overvalued
The company’s latest PB is 1.08, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 16.53M shares, decreasing 10.73% quarter-over-quarter.
Held by PRFDX
Star Investor PRFDX holds 2.14K shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of -0.27.

Analyst Rating

Based on 2 analysts
Buy
Current Rating
38.500
Target Price
+12.41%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-05-15

The current financial score of Financial Institutions Inc is 5.19, ranking 330 out of 394 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 55.17M, representing a year-over-year increase of 9.94%, while its net profit experienced a year-over-year increase of 24.88%.

Score

Industry at a Glance

Previous score
5.19
Change
0

Financials

6.10

Key Metrics

Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.

Quality of Earnings

2.48

Operational Efficiency

2.79

Growth Potential

7.82

Shareholder Returns

6.73

Financial Institutions Inc's Company Valuation

Currency: USD Updated: 2026-05-15

The current valuation score of Financial Institutions Inc is 8.15, ranking 131 out of 394 in the Banking Services industry. Its current P/E ratio is 8.72, which is 10.37% below the recent high of 9.62 and 253.38% above the recent low of -13.37.

Score

Industry at a Glance

Previous score
8.15
Change
0

Valuation Dimensions

P/E
P/B
P/S
P/CF
Industry Ranking 115/394
Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-05-15

The current earnings forecast score of Financial Institutions Inc is 7.00, ranking 190 out of 394 in the Banking Services industry. The average price target is 35.00, with a high of 35.00 and a low of 35.00.

Score

Industry at a Glance

Previous score
7.00
Change
0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 2 analysts
Buy
Current Rating
38.500
Target Price
+12.41%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

308
Total
4
Median
5
Average
Company name
Ratings
Analysts
Financial Institutions Inc
FISI
2
JPMorgan Chase & Co
JPM
27
Bank of America Corp
BAC
27
Wells Fargo & Co
WFC
26
US Bancorp
USB
23
PNC Financial Services Group Inc
PNC
23
1
2
3
...
62

Financial Forecasting

EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-05-15

The current price momentum score of Financial Institutions Inc is 6.90, ranking 133 out of 394 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 35.27 and the support level at 32.80, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
7.18
Change
-0.28

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(3)
Neutral(2)
Buy(0)
Indicators
Value
Direction
MACD(12,26,9)
-0.349
Neutral
RSI(14)
46.520
Neutral
STOCH(KDJ)(9,3,3)
20.458
Sell
ATR(14)
0.809
High Vlolatility
CCI(14)
-119.861
Sell
Williams %R
91.707
Oversold
TRIX(12,20)
0.178
Sell
StochRSI(14)
0.000
Oversold
Moving Average
Sell(3)
Neutral(0)
Buy(3)
Indicators
Value
Direction
MA5
34.376
Sell
MA10
34.679
Sell
MA20
34.512
Sell
MA50
32.985
Buy
MA100
32.790
Buy
MA200
30.429
Buy

Institutional Confidence

Currency: USD Updated: 2026-05-15

The current institutional shareholding score of Financial Institutions Inc is 7.00, ranking 70 out of 394 in the Banking Services industry. The latest institutional shareholding proportion is 83.96%, representing a quarter-over-quarter decrease of 9.23%. The largest institutional shareholder is HOTCHKIS & WILEY, holding a total of 361.45K shares, representing 1.84% of shares outstanding, with 5.96% increase in holdings.

Score

Industry at a Glance

Previous score
7.00
Change
0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name
Shares Held
Chg %
PL Capital, LLC
1.80M
+1.57%
BlackRock Institutional Trust Company, N.A.
1.33M
+0.89%
Wellington Management Company, LLP
1.05M
+42.41%
Adage Capital Management, L.P.
972.04K
+19.83%
Dimensional Fund Advisors, L.P.
955.91K
+0.50%
Ategra Capital Management LLC
572.08K
--
State Street Investment Management (US)
507.39K
-6.84%
Geode Capital Management, L.L.C.
482.15K
-0.79%
Acadian Asset Management LLC
426.04K
+54.70%
1
2

Risk Assessment

Currency: USD Updated: 2026-05-15

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Financial Institutions Inc is 8.12, ranking 121 out of 394 in the Banking Services industry. The company's beta value is 0.65. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

Score

Industry at a Glance

Previous score
8.12
Change
0
Beta vs S&P 500 index
0.64
VaR
+2.84%
240-Day Maximum Drawdown
+13.92%
240-Day Volatility
+28.34%

Return

Best Daily Return
60 days
+2.65%
120 days
+5.32%
5 years
+13.51%
Worst Daily Return
60 days
-4.62%
120 days
-4.62%
5 years
-11.13%
Sharpe Ratio
60 days
+0.12
120 days
+1.51
5 years
+0.35

Risk Assessment

Maximum Drawdown
240 days
+13.92%
3 years
+28.99%
5 years
+55.10%
Return-to-Drawdown Ratio
240 days
+2.34
3 years
+1.23
5 years
+0.05
Skewness
240 days
+0.79
3 years
+0.75
5 years
+0.53

Volatility

Realised Volatility
240 days
+28.34%
5 years
+34.78%
Standardised True Range
240 days
+2.19%
5 years
+2.15%
Downside Risk-Adjusted Return
120 days
+237.68%
240 days
+237.68%
Maximum Daily Upside Volatility
60 days
+19.19%
Maximum Daily Downside Volatility
60 days
+23.31%

Liquidity

Average Turnover Rate
60 days
+0.63%
120 days
+0.68%
5 years
--
Turnover Deviation
20 days
-27.71%
60 days
-0.98%
120 days
+6.94%

Peer Comparison

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Financial Institutions Inc
Financial Institutions Inc
FISI
6.81 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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Royal Bank of Canada
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8.49 /10
Score
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Prosperity Bancshares Inc
Prosperity Bancshares Inc
PB
8.47 /10
Score
Financial Health
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Earnings Forecast
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Institutional Confidence
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8.42 /10
Score
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Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
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8.38 /10
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