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Financial Institutions, Inc. (FISI)
40.62  1.9 (4.91%)    07-24 16:00
Open: 39.7
High: 41.125
Volume: 269,684
  
Pre. Close: 38.72
Low: 38.78
Market Cap: 800(M)
Technical analysis
2026-07-24 5:13:45 PM
Short term     
Mid term     
Targets 6-month :  48.03 1-year :  56.1
Resists First :  41.12 Second :  48.03
Pivot price 39.04
Supports First :  38.64 Second :  37.11
MAs MA(5) :  39.4 MA(20) :  39.07
MA(100) :  34.93 MA(250) :  31.17
MACD MACD :  0.5 Signal :  0.6
%K %D K(14,3) :  58.5 D(3) :  56.9
RSI RSI(14): 65.1
52-week High :  41.12 Low :  23.65
Price, MAs and Bollinger Bands

Price has closed above 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 BULLISH in short-term; and BULLISH in mid-long term.
[ FISI ] has closed Bollinger Bands are 8.7% narrower than normal. The current width of the bands does not suggest anything about the future direction or movement of prices.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 41.18 - 41.41 41.41 - 41.63
Low: 38.19 - 38.48 38.48 - 38.75
Close: 40.18 - 40.62 40.62 - 41.02
Company Description

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.

Headline News

Fri, 24 Jul 2026
Financial Institutions (NASDAQ:FISI) Reaches New 12-Month High After Better-Than-Expected Earnings - MarketBeat

Fri, 24 Jul 2026
Financial Institutions Q2 Earnings Call Highlights - Yahoo Finance

Fri, 24 Jul 2026
FISI: Strong Q2 loan growth, higher margins, and raised full-year profitability guidance - TradingView

Fri, 24 Jul 2026
FISI: Q2 saw strong loan growth, higher NIM, and raised profitability guidance amid solid asset quality - TradingView

Thu, 23 Jul 2026
Financial Institutions Inc. (NASDAQ:FISI) Posts Strong Earnings Beat, Proving Itself a Quality Regional Bank Stock - ChartMill

Thu, 23 Jul 2026
Financial Institutions (FISI) Q2 Earnings and Revenues Surpass Estimates - Yahoo Finance

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.
Neutral
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Neutral
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Outperform
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Neutral
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Outperform
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Neutral
Stock Basics & Statistics
Exchange:
NASDAQ
Sector:
Financial Services
Industry:
Banks - Regional
Shares Out 20 (M)
Shares Float 17 (M)
Held by Insiders 2.5 (%)
Held by Institutions 82.2 (%)
Shares Short 498 (K)
Shares Short P.Month 634 (K)
Stock Financials
EPS 3.83
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 31.2
Profit Margin 32.9 %
Operating Margin 42.8 %
Return on Assets (ttm) 1.2 %
Return on Equity (ttm) 12.9 %
Qtrly Rev. Growth 11.3 %
Gross Profit (p.s.) 12.15
Sales Per Share 12.15
EBITDA (p.s.) 0
Qtrly Earnings Growth 28.3 %
Operating Cash Flow 32 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 10.57
PEG Ratio 1.4
Price to Book value 1.3
Price to Sales 3.34
Price to Cash Flow 24.62
Stock Dividends
Dividend 0.31
Forward Dividend 0
Dividend Yield 0.7%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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