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FI

Financial Institutions, Inc. (FISI)

NASDAQ • Financial Services

$40.58
-$0.1 (-0.3%)
Market closed

Last close at October 23, 2026 at 20:00 UTC

Open$40.34
Day Range$40.26 - $40.86
Avg. Volume (3M)102.6K
Market Cap$799.6M
P/E Ratio9.9
52 Week Range
$28$42.97
Next EarningsIn 4 daysOct 29, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$30.5M100%
Net Incomeminus taxes and the rest$21.1M69%

In plain terms: out of every $100 in revenue, Financial Institutions, Inc. keeps $69 as net profit.

Fundamentals & Financials

Revenue (TTM)
$315.6M
Net Income (TTM)
$82.6M
EPS (TTM)
$4.09
ROA (TTM)
1.3%
Current Ratio
0.47
Dividend Yield
0.87%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+1.1%Q1 2026$0.96
+13.0%Q2 2026$1.04
+11.8%Q3 2026$1.04
Next

Oct 29

in 4 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +11.8%

Financial Institutions, Inc. topped EPS expectations in the second fiscal quarter of 2026, based on preliminary results reported July 23, 2026, with EPS of $1.04 topping the $0.93 estimate (+11.8%) while net income rose +20.8% year over year to roughly $21.2 million (up from about $17.5 million a year ago). Net interest income was about $53.4 million, and the quarter also included GAAP revenue of roughly $30.6 million. EPS increased +22.4% from $0.85 a year ago, reflecting the higher net income in the period. On capital returns, the company repurchased about $0.1 million of stock and paid roughly $6.6 million in dividends. For the next period, consensus calls for EPS of $1.05.

View full earnings history

About Financial Institutions, Inc.

Financial Institutions, Inc. trades on NASDAQ under the ticker FISI and operates as a regional banking company serving New York. Across deposit, lending, and advisory activities, it generated $377.9 million of revenue in FY2025 and provides consumer, business, and municipal customers with a broad mix of banking and wealth services.

Name
Financial Institutions, Inc.
CEO
Martin K. Birmingham
Website
www.five-starbank.com
Industry
Financial Services
Year Founded
1817
Employees
631

Today's Snapshot

AI-generated

FISI ended the day slightly lower at 40.58, while its sector was weaker. Earnings are due from FISI on 29 October.

Trading Volume

Below 10d avg (91.0K)

74.5K

vs S&P 500 Today

Moderate Outperformance

+0.25%

Updated: October 23, 2026 at 20:07 UTC

Technical Indicators

5 Buy2 Neutral1 Sell
FISI trades near 40.58 and presents a Buy bias supported by price holding above short and longer moving averages, including the 200-day, which signals structural support. Momentum readings are mixed: the CCI is bullish and the RSI is neutral while MACD is essentially flat, and ADX shows only a mild trend. Volatility is contained and classic pivot lies close to the market, but on-balance volume is signaling distribution which tempers the strength of the move. Technical takeaway: Buy — price-based strength anchored by moving averages but watch weak volume and only modest trend strength.
All signals
  • EMA (5 indicators)$36.48 - $39.83
    Buy
  • RSI (14)58.88
    Neutral
  • Stochastic %K (14, 3, 3)89.51
    Sell
  • MACD Level (12, 26)-0.01
    Neutral

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