FISI
Financial Institutions, Inc.
Price Chart
Latest Quote
$37.89
+0.53 (+1.42%)
Current Price
| Previous Close | $37.36 |
| Open | $37.36 |
| Day High | $38.03 |
| Day Low | $37.36 |
| Volume | 280,214 |
Stock Information
| Quarterly Dividend / Yield | $1.26 / 3.33% |
| Shares Outstanding | 19.69M |
| Quarterly Dividend Yield | 3.33% |
| Quarterly Dividend | $1.26 |
| Total Debt | $250.31M |
| Cash Equivalents | $113.20M |
| Revenue | $239.43M |
| Net Income | $77.52M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $745.92M |
| P/E Ratio | 9.87 |
| EPS (TTM) | $3.84 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $900.31M |
| Sales | $239.43M |
| Income | $77.52M |
| Book/sh | $31.21 |
| Cash/sh | $5.75 |
| Employees | 631 |
Financial Ratios
| EPS Growth TTM | 24.30% |
Returns & Margins
| ROA | 1.25% |
| ROE | 12.93% |
| Operating Margin | 42.89% |
| Profit Margin | 32.98% |
Ownership
| Insider Ownership | 2.58% |
| Institutional Ownership | 82.05% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.04 |
| PEG | 1.41 |
| P/S | 3.12 |
| P/B | 1.21 |
Analyst Data
| Recommendation | none |
| Target Price | $38.50 |
Technical Indicators
| SMA20 | $36.59 |
| SMA50 | $35.17 |
| SMA200 | $31.10 |
| RSI | 69.90 |
| ATR | 0.9820 |
| Shares Float | 17.31M |
| Short Float | 3.30% |
| Short Ratio | 7.24 |
| Volatility | 0.67 |
| Rel Volume | 1.84 |
Performance History
| Week | -0.03% |
| Month | +8.87% |
| Quarter | +24.92% |
| 6 Months | +19.86% |
| YTD | +25.23% |
| Year | +60.65% |
| 3 Years | +164.56% |
| 5 Years | +56.95% |
| 10 Years | +116.54% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $37.89 | 285,600 |
| 2026-06-18 | $37.36 | 323,600 |
| 2026-06-17 | $37.02 | 251,500 |
| 2026-06-16 | $37.15 | 131,800 |
| 2026-06-15 | $37.15 | 176,000 |
| 2026-06-12 | $37.90 | 169,900 |
| 2026-06-11 | $37.66 | 156,900 |
| 2026-06-10 | $37.51 | 214,200 |
| 2026-06-09 | $37.22 | 195,200 |
| 2026-06-08 | $36.96 | 91,500 |
| 2026-06-05 | $36.80 | 79,700 |
| 2026-06-04 | $36.31 | 227,700 |
| 2026-06-03 | $35.17 | 101,200 |
| 2026-06-02 | $36.15 | 100,100 |
| 2026-06-01 | $35.43 | 75,900 |
| 2026-05-29 | $35.92 | 96,100 |
| 2026-05-28 | $35.51 | 108,800 |
| 2026-05-27 | $35.63 | 120,700 |
| 2026-05-26 | $35.91 | 101,300 |
About Financial Institutions, Inc.
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $243,539,000 | $114,526,000 | $212,176,000 | $212,350,000 |
| Operating Revenue | $243,539,000 | $114,526,000 | $212,176,000 | $212,350,000 |
| Expenses | ||||
| Interest Expense | $133,003,000 | $149,642,000 | $120,418,000 | $28,735,000 |
| Selling And Marketing Expense | $1,810,000 | $1,573,000 | $1,926,000 | $2,013,000 |
| General And Administrative Expense | $77,883,000 | $71,410,000 | $76,791,000 | $72,073,000 |
| Professional Expense And Contract Services Expense | $6,516,000 | $7,702,000 | $5,259,000 | $5,592,000 |
| Other Non Interest Expense | $39,687,000 | $39,945,000 | $36,340,000 | $31,187,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Net Interest Income | $199,986,000 | $163,589,000 | $165,715,000 | $167,372,000 |
| Interest Income | $332,989,000 | $313,231,000 | $286,133,000 | $196,107,000 |
| Normalized Income | $75,281,667 | $-35,897,712 | $50,268,782 | $57,876,095 |
| Net Income From Continuing And Discontinued Operation | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Net Income Common Stockholders | $73,409,000 | $-43,105,000 | $48,805,000 | $55,114,000 |
| Net Income | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Net Income Including Noncontrolling Interests | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Net Income Continuous Operations | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Pretax Income | $91,354,000 | $-68,148,000 | $63,053,000 | $70,970,000 |
| Special Income Charges | $0 | $-23,022,000 | $0 | $-1,619,000 |
| Depreciation Amortization Depletion Income Statement | $415,000 | $552,000 | $910,000 | $986,000 |
| Depreciation And Amortization In Income Statement | $415,000 | $552,000 | $910,000 | $986,000 |
| Amortization Of Intangibles Income Statement | $415,000 | $552,000 | $910,000 | $986,000 |
| Per Share | ||||
| Diluted EPS | $3.61 | $-1.66 | $3.15 | $3.56 |
| Basic EPS | $3.65 | $-1.66 | $3.17 | $3.58 |
| Other | ||||
| Tax Effect Of Unusual Items | $-91,333 | $-3,659,712 | $-1,218 | $-331,905 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-506,000 | $-9,408,000 | $-6,000 | $-1,635,000 |
| Total Unusual Items Excluding Goodwill | $-506,000 | $-9,408,000 | $-6,000 | $-1,635,000 |
| Reconciled Depreciation | $7,882,000 | $7,675,000 | $8,091,000 | $8,112,000 |
| Diluted Average Shares | $20,318,000 | $15,651,205 | $15,493,651 | $15,471,000 |
| Basic Average Shares | $20,099,000 | $15,651,205 | $15,395,899 | $15,384,000 |
| Diluted NI Availto Com Stockholders | $73,409,000 | $-43,105,000 | $48,805,000 | $55,114,000 |
| Preferred Stock Dividends | $1,458,000 | $1,459,000 | $1,459,000 | $1,459,000 |
| Tax Provision | $16,487,000 | $-26,502,000 | $12,789,000 | $14,397,000 |
| Gain On Sale Of Security | $1,492,000 | $-100,104,000 | $-2,478,000 | $1,089,000 |
| Amortization | $415,000 | $552,000 | $910,000 | $986,000 |
| Selling General And Administration | $79,693,000 | $72,983,000 | $78,717,000 | $74,086,000 |
| Insurance And Claims | $5,070,000 | $5,284,000 | $4,902,000 | $2,440,000 |
| Salaries And Wages | $72,813,000 | $66,126,000 | $71,889,000 | $69,633,000 |
| Occupancy And Equipment | $15,490,000 | $14,361,000 | $14,798,000 | $15,103,000 |
| Other Special Charges | - | $23,022,000 | - | - |
| Restructuring And Mergern Acquisition | - | $35,000 | $114,000 | $1,619,000 |
| Other Gand A | - | $1,935,000 | $1,873,000 | $1,943,000 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $568,511,000 | $508,226,000 | $382,292,000 | $332,191,000 |
| Total Assets | $6,274,140,000 | $6,117,085,000 | $6,160,881,000 | $5,797,272,000 |
| Goodwill And Other Intangible Assets | $60,343,000 | $60,758,000 | $72,504,000 | $73,414,000 |
| Other Intangible Assets | $2,222,000 | $2,637,000 | $5,433,000 | $6,343,000 |
| Receivables | $25,103,000 | $23,748,000 | $24,481,000 | $19,371,000 |
| Accounts Receivable | $25,103,000 | $23,748,000 | $24,481,000 | $19,371,000 |
| Cash And Cash Equivalents | $108,751,000 | $87,321,000 | $124,442,000 | $130,466,000 |
| Cash Financial | $57,138,000 | $54,958,000 | $71,197,000 | - |
| Cash Cash Equivalents And Federal Funds Sold | $108,751,000 | $87,321,000 | $124,442,000 | $130,466,000 |
| Other Receivables | - | - | - | $55,568,000 |
| Debt | ||||
| Net Debt | $193,902,000 | $136,521,000 | $185,090,000 | $148,756,000 |
| Total Debt | $334,228,000 | $256,605,000 | $343,320,000 | $312,451,000 |
| Long Term Debt And Capital Lease Obligation | $225,228,000 | $157,605,000 | $158,320,000 | $107,451,000 |
| Long Term Debt | $193,653,000 | $124,842,000 | $124,532,000 | $74,222,000 |
| Current Debt And Capital Lease Obligation | $109,000,000 | $99,000,000 | $185,000,000 | $205,000,000 |
| Current Debt | $109,000,000 | $99,000,000 | $185,000,000 | $205,000,000 |
| Other Current Borrowings | $109,000,000 | $99,000,000 | $185,000,000 | $205,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,645,286,000 | $5,548,101,000 | $5,706,085,000 | $5,391,667,000 |
| Derivative Product Liabilities | $48,102,000 | $87,370,000 | $77,871,000 | $102,051,000 |
| Payables And Accrued Expenses | $21,436,000 | $25,856,000 | $19,412,000 | $5,983,000 |
| Payables | $21,436,000 | $25,856,000 | $19,412,000 | $5,983,000 |
| Accounts Payable | $21,436,000 | $25,856,000 | $19,412,000 | $5,983,000 |
| Equity | ||||
| Common Stock Equity | $611,569,000 | $551,699,000 | $437,504,000 | $388,313,000 |
| Preferred Stock Equity | $17,285,000 | $17,285,000 | $17,292,000 | $17,292,000 |
| Total Equity Gross Minority Interest | $628,854,000 | $568,984,000 | $454,796,000 | $405,605,000 |
| Stockholders Equity | $628,854,000 | $568,984,000 | $454,796,000 | $405,605,000 |
| Gains Losses Not Affecting Retained Earnings | $-33,030,000 | $-52,604,000 | $-119,941,000 | $-137,487,000 |
| Other Equity Adjustments | $-33,030,000 | $-52,604,000 | $-119,941,000 | $-137,487,000 |
| Retained Earnings | $437,139,000 | $388,665,000 | $451,687,000 | $421,340,000 |
| Other | ||||
| Treasury Shares Number | $902,149 | $622,984 | $692,150 | $759,555 |
| Preferred Shares Number | $172,848 | $172,848 | $172,921 | $172,921 |
| Ordinary Shares Number | $19,797,407 | $20,076,572 | $15,407,406 | $15,340,001 |
| Share Issued | $20,699,556 | $20,699,556 | $16,099,556 | $16,099,556 |
| Tangible Book Value | $551,226,000 | $490,941,000 | $365,000,000 | $314,899,000 |
| Invested Capital | $914,222,000 | $775,541,000 | $747,036,000 | $667,535,000 |
| Capital Lease Obligations | $31,575,000 | $32,763,000 | $33,788,000 | $33,229,000 |
| Total Capitalization | $822,507,000 | $693,826,000 | $579,328,000 | $479,827,000 |
| Treasury Stock | $27,145,000 | $17,990,000 | $20,244,000 | $22,337,000 |
| Additional Paid In Capital | $234,398,000 | $233,421,000 | $125,841,000 | $126,636,000 |
| Capital Stock | $17,492,000 | $17,492,000 | $17,453,000 | $17,453,000 |
| Common Stock | $207,000 | $207,000 | $161,000 | $161,000 |
| Preferred Stock | $17,285,000 | $17,285,000 | $17,292,000 | $17,292,000 |
| Long Term Capital Lease Obligation | $31,575,000 | $32,763,000 | $33,788,000 | $33,229,000 |
| Investments And Advances | $1,067,989,000 | $1,098,967,000 | $1,104,139,000 | $1,198,914,000 |
| Held To Maturity Securities | $84,708,000 | $116,001,000 | $148,156,000 | $188,975,000 |
| Available For Sale Securities | $983,281,000 | $71,861,000 | $68,253,000 | $55,568,000 |
| Goodwill | $58,121,000 | $58,121,000 | $67,071,000 | $67,071,000 |
| Net PPE | $68,960,000 | $70,235,000 | $71,426,000 | $73,106,000 |
| Accumulated Depreciation | $-64,771,000 | $-65,094,000 | $-63,087,000 | $-59,213,000 |
| Gross PPE | $133,731,000 | $135,329,000 | $134,513,000 | $132,319,000 |
| Other Properties | $29,066,000 | $30,369,000 | $31,524,000 | $31,120,000 |
| Machinery Furniture Equipment | $43,747,000 | $45,525,000 | $45,369,000 | $44,974,000 |
| Buildings And Improvements | $55,899,000 | $54,416,000 | $52,601,000 | $51,206,000 |
| Land And Improvements | $5,019,000 | $5,019,000 | $5,019,000 | $5,019,000 |
| Other Short Term Investments | $0 | $911,105,000 | $887,730,000 | $954,371,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $13,254,000 | $72,153,000 | $7,902,000 | $125,204,000 |
| Operating Activities | ||||
| Operating Cash Flow | $18,802,000 | $77,127,000 | $10,894,000 | $133,573,000 |
| Cash Flow From Continuing Operating Activities | $18,802,000 | $77,127,000 | $10,894,000 | $133,573,000 |
| Operating Gains Losses | $-1,162,000 | $85,821,000 | $3,015,000 | $-1,196,000 |
| Investing Activities | ||||
| Capital Expenditure | $-5,548,000 | $-4,974,000 | $-2,992,000 | $-8,369,000 |
| Investing Cash Flow | $-140,038,000 | $-8,232,000 | $-310,090,000 | $-325,160,000 |
| Cash Flow From Continuing Investing Activities | $-140,038,000 | $-8,232,000 | $-310,090,000 | $-325,160,000 |
| Net Other Investing Changes | $1,785,000 | $26,970,000 | $-9,775,000 | $-10,042,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-11,419,000 | $-433,000 | $-571,000 | $-15,340,000 |
| Issuance Of Capital Stock | $0 | $108,572,000 | $0 | $0 |
| Financing Cash Flow | $142,666,000 | $-106,016,000 | $293,172,000 | $242,941,000 |
| Cash Flow From Continuing Financing Activities | $142,666,000 | $-106,016,000 | $293,172,000 | $242,941,000 |
| Net Other Financing Charges | $-1,358,000 | - | - | - |
| Cash Dividends Paid | $-26,174,000 | $-19,974,000 | $-19,745,000 | $-19,053,000 |
| Preferred Stock Dividend Paid | $-1,458,000 | $-1,459,000 | $-1,459,000 | $-1,459,000 |
| Common Stock Dividend Paid | $-24,716,000 | $-18,515,000 | $-18,286,000 | $-17,594,000 |
| Net Preferred Stock Issuance | $0 | $-7,000 | $0 | $0 |
| Net Common Stock Issuance | $-11,419,000 | $108,146,000 | $-571,000 | $-15,340,000 |
| Common Stock Issuance | $0 | $108,572,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-10,000,000 | $-86,000,000 | $-98,000,000 | - |
| Issuance Of Debt | $90,000,000 | $0 | $128,000,000 | $0 |
| Interest Paid Supplemental Data | $128,583,000 | $156,085,000 | $133,847,000 | $32,571,000 |
| Income Tax Paid Supplemental Data | $17,000 | $3,493,000 | $6,298,000 | $3,398,000 |
| End Cash Position | $108,751,000 | $87,321,000 | $124,442,000 | $130,466,000 |
| Beginning Cash Position | $87,321,000 | $124,442,000 | $130,466,000 | $79,112,000 |
| Changes In Cash | $21,430,000 | $-37,121,000 | $-6,024,000 | $51,354,000 |
| Preferred Stock Payments | $0 | $-7,000 | $0 | $0 |
| Common Stock Payments | $-11,419,000 | $-426,000 | $-571,000 | $-15,340,000 |
| Net Issuance Payments Of Debt | $80,000,000 | $-86,000,000 | $30,000,000 | $175,000,000 |
| Net Short Term Debt Issuance | $10,000,000 | $-86,000,000 | $-20,000,000 | $175,000,000 |
| Short Term Debt Payments | $0 | $-86,000,000 | $-98,000,000 | - |
| Short Term Debt Issuance | $10,000,000 | $0 | $78,000,000 | - |
| Net Long Term Debt Issuance | $70,000,000 | $0 | $50,000,000 | $0 |
| Long Term Debt Payments | $-10,000,000 | $0 | $0 | - |
| Long Term Debt Issuance | $80,000,000 | $0 | $50,000,000 | $0 |
| Net Investment Purchase And Sale | $53,278,000 | $-4,477,000 | $122,911,000 | $69,502,000 |
| Sale Of Investment | $381,336,000 | $901,370,000 | $177,528,000 | $183,322,000 |
| Purchase Of Investment | $-328,058,000 | $-905,847,000 | $-54,617,000 | $-113,820,000 |
| Net PPE Purchase And Sale | $-5,548,000 | $-4,974,000 | $-2,992,000 | $-8,369,000 |
| Purchase Of PPE | $-5,548,000 | $-4,974,000 | $-2,992,000 | $-8,369,000 |
| Change In Working Capital | $-70,873,000 | $33,721,000 | $-55,590,000 | $50,678,000 |
| Change In Other Current Liabilities | $-83,882,000 | $13,216,000 | $372,000 | $80,580,000 |
| Change In Other Current Assets | $13,009,000 | $20,505,000 | $-55,962,000 | $-29,902,000 |
| Other Non Cash Items | $-11,727,000 | $17,243,000 | $-12,360,000 | $2,956,000 |
| Stock Based Compensation | $3,077,000 | $1,610,000 | $1,674,000 | $2,551,000 |
| Deferred Tax | $11,545,000 | $-35,348,000 | $-1,348,000 | $-4,382,000 |
| Deferred Income Tax | $11,545,000 | $-35,348,000 | $-1,348,000 | $-4,382,000 |
| Depreciation Amortization Depletion | $7,882,000 | $7,675,000 | $8,091,000 | $8,112,000 |
| Depreciation And Amortization | $7,882,000 | $7,675,000 | $8,091,000 | $8,112,000 |
| Gain Loss On Investment Securities | $-931,000 | $100,055,000 | $3,576,000 | $15,000 |
| Net Income From Continuing Operations | $74,867,000 | $-41,646,000 | $50,264,000 | $56,573,000 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
Fetched: 2026-06-18