stoxline Quote Chart Rank Option Currency Glossary
  
Financial Institutions, Inc. (FISI)
28.43  -0.24 (-0.84%)    10-31 16:00
Open: 28.35
High: 28.585
Volume: 95,822
  
Pre. Close: 28.67
Low: 28
Market Cap: 572(M)
Technical analysis
2025-10-31 4:41:02 PM
Short term     
Mid term     
Targets 6-month :  34.89 1-year :  40.76
Resists First :  29.87 Second :  34.89
Pivot price 27.52
Supports First :  27.24 Second :  25.61
MAs MA(5) :  28.98 MA(20) :  27.39
MA(100) :  26.65 MA(250) :  26.45
MACD MACD :  0.4 Signal :  0.2
%K %D K(14,3) :  71.7 D(3) :  79.1
RSI RSI(14): 57.7
52-week High :  29.87 Low :  20.96
Price, MAs and Bollinger Bands

Price has closed below its short-term moving average. Short-term moving average is currently above mid-term; and above long-term moving average. From the relationship between price and moving averages: This stock is NEUTRAL in short-term; and BULLISH in mid-long term.
[ FISI ] has closed below upper band by 32.2%. Bollinger Bands are 112.1% wider than normal. The large width of the bands suggest high volatility as compared to its normal range. The bands have been in this wide range for 4 days. This is a sign that the current trend might continue.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 28.65 - 28.82 28.82 - 28.95
Low: 27.59 - 27.82 27.82 - 27.99
Close: 28.13 - 28.47 28.47 - 28.72
Company Description

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its 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 to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Headline News

Tue, 28 Oct 2025
Financial Institutions (NASDAQ:FISI) Share Price Crosses Above 200-Day Moving Average - Time to Sell? - MarketBeat

Mon, 27 Oct 2025
Keefe, Bruyette & Woods Maintains Financial Institutions (FISI) Outperform Recommendation - Nasdaq

Mon, 27 Oct 2025
FISI: Financial Institutions Sees Analyst Price Target Raise | F - GuruFocus

Sun, 26 Oct 2025
Financial Institutions, Inc. Schedules Third Quarter 2023 Earnings Release and Conference Call - FinTech Futures

Sat, 25 Oct 2025
Financial Institutions, Inc. (NASDAQ:FISI) Q3 2025 Earnings Call Transcript - Insider Monkey

Fri, 24 Oct 2025
Financial Institutions (FISI) Revenue Growth Forecast of 21.9% Outpaces US Market Expectations - Sahm

Financial Analysis
Price to Book Value:
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Outperform
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Underperform
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Neutral
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Underperform
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Underperform
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Underperform
Stock Basics & Statistics
Exchange:
NASDAQ
Sector:
Financial Services
Industry:
Banks - Regional
Shares Out 20 (M)
Shares Float 18 (M)
Held by Insiders 2.5 (%)
Held by Institutions 83.5 (%)
Shares Short 563 (K)
Shares Short P.Month 463 (K)
Stock Financials
EPS -2.82
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 30.03
Profit Margin -24 %
Operating Margin 43.4 %
Return on Assets (ttm) -0.5 %
Return on Equity (ttm) -5 %
Qtrly Rev. Growth 30 %
Gross Profit (p.s.) 5.79
Sales Per Share 5.79
EBITDA (p.s.) 0
Qtrly Earnings Growth 17.8 %
Operating Cash Flow 0 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio -10.09
PEG Ratio 0
Price to Book value 0.94
Price to Sales 4.9
Price to Cash Flow 0
Stock Dividends
Dividend 0.31
Forward Dividend 0
Dividend Yield 1%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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