stoxline Quote Chart Rank Option Currency Glossary
  
Financial Institutions, Inc. (FISI)
30.5159  -0.004 (-0.01%)    03-18 13:56
Open: 30.505
High: 30.56
Volume: 101,884
  
Pre. Close: 30.52
Low: 30.5038
Market Cap: 614(M)
Technical analysis
2026-03-18 1:44:41 PM
Short term     
Mid term     
Targets 6-month :  38.63 1-year :  41.25
Resists First :  33.08 Second :  35.31
Pivot price 31.04
Supports First :  29.45 Second :  24.51
MAs MA(5) :  30.4 MA(20) :  31.47
MA(100) :  31.29 MA(250) :  27.71
MACD MACD :  -0.8 Signal :  -0.7
%K %D K(14,3) :  28.1 D(3) :  24.9
RSI RSI(14): 35.8
52-week High :  35.47 Low :  20.28
Price, MAs and Bollinger Bands

Price has closed above its short-term moving average. Short-term moving average is currently below mid-term; and below long-term moving average. From the relationship between price and moving averages: This stock is NEUTRAL in short-term; and NEUTRAL in mid-long term.
[ FISI ] has closed above bottom band by 30.2%. Bollinger Bands are 9% 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: 30.86 - 31.01 31.01 - 31.14
Low: 29.77 - 29.95 29.95 - 30.1
Close: 30.24 - 30.52 30.52 - 30.78
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, 17 Mar 2026
Financial Institutions (NASDAQ:FISI) Stock Price Passes Above Two Hundred Day Moving Average - Here's What Happened - MarketBeat

Thu, 12 Mar 2026
Financial Institutions (FISI) CFO adds 660 shares in open‑market buy - Stock Titan

Tue, 10 Mar 2026
Donald K. Boswell to Retire from Financial Institutions Board after Nine Years - TradingView

Fri, 06 Mar 2026
FISI (FISI) legal chief reports 13,692 shares and 2,370 RSUs - Stock Titan

Thu, 05 Mar 2026
Financial Institutions, Inc. (NASDAQ:FISI) Receives Consensus Rating of "Hold" from Analysts - MarketBeat

Wed, 04 Mar 2026
Is the Options Market Predicting a Spike in Financial Institutions Stock? - Zacks Investment Research

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 2.6 (%)
Held by Institutions 81.1 (%)
Shares Short 361 (K)
Shares Short P.Month 442 (K)
Stock Financials
EPS 3.6
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 30.88
Profit Margin 32 %
Operating Margin 41.3 %
Return on Assets (ttm) 1.2 %
Return on Equity (ttm) 12.5 %
Qtrly Rev. Growth 0 %
Gross Profit (p.s.) 11.78
Sales Per Share 11.78
EBITDA (p.s.) 0
Qtrly Earnings Growth 0 %
Operating Cash Flow 0 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 8.43
PEG Ratio 0
Price to Book value 0.98
Price to Sales 2.58
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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