FISI — FINANCIAL INSTITUTIONS INC

Nasdaq · Financials · Banks · CIK 862831 ·
Last close
$41.46
Market Cap
$816.20M
52W High
$42.26
52W Low
$33.37
ADV30
201,224
Next earnings
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.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Jun 2026
Mar 2026 62,442,000 20,985,000 6,294,783,000 85,451,000 5,663,113,000
Dec 2025 63,663,000 19,980,000 6,274,140,000 108,751,000 5,645,286,000
Sep 2025 63,622,000 20,477,000 6,288,052,000 185,945,000 5,666,332,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$32,485,000
Investing CF
$-48,537,000
Financing CF
$-65,849,000
CapEx
$-5,382,000
Dividends Paid
$-26,394,000
Buybacks
$-17,068,000
EPS Diluted TTM
$3.84
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$451,479,000
Inventory
Receivables
$25,487,000
ST Investments
$99,790,000
EBIT TTM
Pretax Income TTM
$95,562,000
Interest Exp TTM
$128,386,000
Analysts
2

Yahoo Snapshot (yfinance, live)

Total Revenue
$243,463,008
EBITDA
Free Cash Flow
Enterprise Value
$991,874,560
Total Cash
$99,174,000
Total Debt
$260,694,000
Shares Out
19,686,370
Trailing EPS
$4.03
Book Value
$31.77
ROE
13.3%
ROA
1.3%
Div Yield
3.05%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 243,539,000 74,867,000 6,274,140,000 5,645,286,000 18,802,000
Dec 2024 114,526,000 -41,646,000 6,117,085,000 5,548,101,000 77,127,000
Dec 2023 212,176,000 50,264,000 6,160,881,000 5,706,085,000 10,894,000
Dec 2022 212,350,000 56,573,000 5,797,272,000 5,391,667,000 133,573,000

TTM Snapshot

Revenues TTM
NetIncome TTM
OpCashFlow TTM
Assets (Latest)
Forward EPS
$4.22

Peers — same industry

TickerNameMarket CapLastDaily %
PGC PEAPACK GLADSTONE FINANCIAL CORP $814.69M $45.98
SHBI SHORE BANCSHARES INC $818.70M $24.50
ALRS ALERUS FINANCIAL CORP $831.28M $33.27
ORRF ORRSTOWN FINANCIAL SERVICES INC $839.55M $42.73
SPFI SOUTH PLAINS FINANCIAL, INC. $844.75M $44.84

News headlines (Yahoo Finance, 1h cache)

Are You Looking for a High-Growth Dividend Stock?
2026-07-24 15:45 · Yahoo
Financial Institutions Q2 Earnings Call Highlights
2026-07-24 14:03 · Yahoo
Financial Institutions, Inc. Q2 2026 Earnings Call Summary
2026-07-24 12:30 · Yahoo
Financial Institutions (FISI) Q2 Earnings and Revenues Surpass Estimates
2026-07-23 22:20 · Yahoo
Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $20.8 million, or $1.04 per Diluted Share, for the Second Quarter of 2026
2026-07-23 20:05 · Yahoo
Will Financial Institutions (FISI) Beat Estimates Again in Its Next Earnings Report?
2026-07-17 16:10 · Yahoo
Are Options Traders Betting on a Big Move in Financial Institution Stock?
2026-07-16 17:10 · Yahoo
Financial Institutions (FISI) Reports Next Week: Wall Street Expects Earnings Growth
2026-07-16 14:00 · Yahoo
Financial Institutions (FISI) Could Be a Great Choice
2026-07-08 15:45 · Yahoo
Financial Institutions, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call
2026-06-30 20:05 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.