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Financial Institutions Inc

FISI

30.890USD

-0.340-1.09%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

426.66MMarket Cap

8.46P/E TTM



Financial Institutions Inc

30.890

-0.340-1.09%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-03-27

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 87 out of 400 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 37.00.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

87 / 400

Overall Ranking

152 / 4542

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 1.00, at a high 3-year percentile range.

Held by PRFDX

Star Investor PRFDX holds 1.95K shares of this stock.

Analyst Rating

Based on 2 analysts

Buy

Current Rating

37.000

Target Price

+18.48%

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: 2026-03-27

The current financial score of Financial Institutions Inc is 5.19, ranking 336 out of 400 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 56.98M, representing a year-over-year increase of 199.48%, while its net profit experienced a year-over-year increase of 123.58%.

Score

Industry at a Glance

Previous score

5.19

Change



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

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

2.79

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.82

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

6.73

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Financial Institutions Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of Financial Institutions Inc is 8.15, ranking 134 out of 400 in the Banking Services industry. Its current P/E ratio is 8.46, which is 13.76% below the recent high of 9.62 and 258.09% above the recent low of -13.37.

Score

Industry at a Glance

Previous score

8.15

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 87/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of Financial Institutions Inc is 7.00, ranking 190 out of 400 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

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 2 analysts

Buy

Current Rating

37.000

Target Price

+18.48%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

Financial Institutions Inc

FISI

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

US Bancorp

USB

Bank of America Corp

BAC

PNC Financial Services Group Inc

PNC

...

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: 2026-03-27

The current price momentum score of Financial Institutions Inc is 7.20, ranking 129 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 32.32 and the support level at 29.46, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.35

Change

-0.15

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(2)

Neutral(5)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

0.265

Neutral

RSI(14)

43.385

Neutral

STOCH(KDJ)(9,3,3)

56.385

Neutral

ATR(14)

0.789

Low Volatility

CCI(14)

37.591

Neutral

Williams %R

45.417

Neutral

TRIX(12,20)

-0.247

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

31.214

Sell

MA10

30.858

Buy

MA20

30.923

Sell

MA50

32.338

Sell

MA100

31.562

Sell

MA200

29.109

Buy

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Financial Institutions Inc is 10.00, ranking 1 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 92.50%, representing a quarter-over-quarter decrease of 0.32%. The largest institutional shareholder is The Vanguard, holding a total of 1.15M shares, representing 5.83% of shares outstanding, with 13.71% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

PL Capital, LLC

1.77M

+19.01%

BlackRock Institutional Trust Company, N.A.

1.32M

-2.48%

The Vanguard Group, Inc.

Star Investors

1.09M

+3.29%

Wellington Management Company, LLP

736.83K

+34.08%

Adage Capital Management, L.P.

811.22K

+4.16%

Dimensional Fund Advisors, L.P.

951.11K

-5.38%

Ategra Capital Management LLC

572.08K

State Street Investment Management (US)

544.65K

+4.00%

Geode Capital Management, L.L.C.

485.99K

+1.70%

Acadian Asset Management LLC

275.39K

+3.32%

Risk Assessment

Currency: USD Updated: 2026-03-27

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 122 out of 400 in the Banking Services industry. The company's beta value is 0.67. 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.