FISI

Financial Institutions Inc

FISI, USA

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 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; 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, and deposit account collateralized loans. 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

https://financialinstitutionsinc.q4ir.com/overview

Stock Price

$ 0.00

0% increase compared to yesterday.

Dividend

Frequency:

Quarterly

Rate:

0.31

Next Payout:

Jan 2, 2026

Yield:

3.7961 %
FISI
stock
FISI

Financial Institutions Completes $80M Subordinated Notes Placement TipRanks

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FISI
stock
FISI

Financial Institutions, Inc. Completes $80 Million Private Placement of Subordinated Notes to Strengthen Capital Position Quiver Quantitative

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Showing 2 of 10

Analyst Ratings & Sentiment

(Last Updated 2025-09-30)

Rating:

BUY

Target Price:

$35

Analyst Picks

Strong Buy

0

Buy

2

Hold

0

Sell

0

Strong Sell

0

Sentiment:

Bullish

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Book Ratio (P/B)

-

Very Low

1.07

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

3.29 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.33 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very Low

-9.66 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

9.11

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 75.37% of the total shares of Financial Institutions Inc

1.

BlackRock Inc

(7.4046%)

since

2025/06/30

2.

PL Capital Advisors, LLC

(6.7637%)

since

2025/06/30

3.

Vanguard Group Inc

(5.242%)

since

2025/06/30

4.

Dimensional Fund Advisors, Inc.

(4.9934%)

since

2025/06/30

5.

Fourthstone LLC

(4.206%)

since

2025/06/30

6.

Adage Capital Partners Gp LLC

(3.869%)

since

2025/06/30

7.

Ategra Capital Management LLC

(2.842%)

since

2025/06/30

8.

Vanguard Total Stock Mkt Idx Inv

(2.8404%)

since

2025/07/31

9.

Wellington Management Company LLP

(2.7299%)

since

2025/06/30

10.

State Street Corp

(2.6018%)

since

2025/06/30

11.

Geode Capital Management, LLC

(2.3739%)

since

2025/06/30

12.

iShares Russell 2000 ETF

(2.3688%)

since

2025/08/31

13.

Commonwealth Equity Services Inc

(2.0766%)

since

2025/06/30

14.

Verition Fund Managegment, LLC

(2.0135%)

since

2025/06/30

15.

Hotchkis & Wiley Capital Management LLC

(1.9089%)

since

2025/06/30

16.

JPMorgan Chase & Co

(1.7031%)

since

2025/06/30

17.

Renaissance Technologies Corp

(1.4953%)

since

2025/06/30

18.

Canandaigua National Bank & Trust Co

(1.3901%)

since

2025/06/30

19.

Courier Capital Corp

(1.2545%)

since

2025/06/30

20.

Morgan Stanley - Brokerage Accounts

(1.2495%)

since

2025/06/30

21.

American Century Companies Inc

(1.2486%)

since

2025/06/30

22.

ProShare Advisors LLC

(1.174%)

since

2025/06/30

23.

ProShares Russell 2000 Dividend Growers

(1.135%)

since

2025/08/29

24.

Vanguard Institutional Extnd Mkt Idx Tr

(1.0834%)

since

2025/07/31

25.

Fidelity Small Cap Index

(0.9851%)

since

2025/06/30

26.

DFA US Small Cap Value I

(0.9035%)

since

2025/07/31

27.

SPDR® S&P Regional Banking ETF

(0.8931%)

since

2025/08/31

28.

iShares Russell 2000 Value ETF

(0.8802%)

since

2025/08/31

29.

DFA US Targeted Value I

(0.6908%)

since

2025/07/31

30.

Dimensional US Targeted Value ETF

(0.5809%)

since

2025/08/29

31.

Fidelity Extended Market Index

(0.5439%)

since

2025/07/31

32.

RMB Mendon Financial Services A

(0.4968%)

since

2025/07/31

33.

Schwab US Small-Cap ETFâ„¢

(0.4821%)

since

2025/08/30

34.

Vanguard Russell 2000 ETF

(0.4712%)

since

2025/07/31

35.

Hotchkis & Wiley Sm Cp Divers Val I

(0.4509%)

since

2025/07/31

36.

JPMorgan Small Cap Value I

(0.4397%)

since

2025/07/31

37.

DFA US Small Cap I

(0.4145%)

since

2025/07/31

38.

SEI Tax-Managed Small/Mid Cap F (SIMT)

(0.4012%)

since

2025/08/31

39.

EA Bridgeway Omni Small-Cap Value ETF

(0.4011%)

since

2025/08/29

40.

DFA US Micro Cap I

(0.3628%)

since

2025/07/31

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

2025-12-31

EPS Estimate

0.94

Latest Release

Date

2025-09-30

EPS Actual

0.99

EPS Estimate

0.88

EPS Difference

0.11

Surprise Percent

12.5%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Strong Deep Value(6.5)
Defensive
Highly Defensive(7)
Dividend
Weak Dividend Profile(2.5)
Economic Moat
Some Competitive Advantage(5.8)
GARP
Fair GARP(3.5)
Growth
Weak Growth Prospect(2.5)
Momentum
Moderate Momentum(3.5)
Net Net
Not Undervalued (Net-Net)(1.5)
Quality
Moderate Quality(3.5)
Value
Fair Value(6)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.