Financial Institutions Inc (FISI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 41.50 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 16.2% passed
- More than 10% revenue growth is expected for the coming year 4.5% failed
- Share count grows by less than 3% a year 9.5% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 46.6% passed
- Gross margin at 40% or higher and without meaningful erosion 61.7% failed
- Goodwill from acquisitions does not grow faster than revenue 0.9% passed
- Net debt below twice EBITDA 2.3 x EBITDA failed
- Operating cash flow covers the profits of the last three years 23 m passed
- Return on capital at 15% or higher, or up versus two years ago 9.8% passed
- Insiders hold at least 10% or are net buyers 2.6% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 0.0% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.18 | 4.18 – 4.18 | 260 | 15.7% | 1 |
| 12/31/2027 | 4.23 | 4.20 – 4.25 | 272 | 1.1% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.05 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -5.04 | -900.10 | -14 | -115.10 | – | 27 | 27 |
| 2025: Q1 | 0.83 | 524.80 | 91 | 2.30 | 18.50 | 10 | 9 |
| 2025: Q2 | 0.86 | -47.50 | 93 | -8.60 | 18.80 | -6 | -7 |
| 2025: Q3 | 1.01 | 16.90 | 96 | 10.70 | 21.30 | -7 | -5 |
| 2025: Q4 | 0.98 | – | 97 | – | 20.70 | 21 | 16 |
| 2026: Q1 | 1.05 | 26.60 | 92 | 1.30 | 22.80 | 24 | 23 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 151 | 44 | 32 | 2.20 | 47 | 320 | 3,710 |
| 2017 | 165 | 43 | 34 | 2.22 | 46 | 381 | 4,105 |
| 2018 | 188 | 50 | 40 | 2.48 | 65 | 396 | 4,312 |
| 2019 | 209 | 59 | 49 | 3.05 | 58 | -15 | 3,931 |
| 2020 | 204 | 46 | 38 | 2.39 | 43 | 2 | 4,446 |
| 2021 | 212 | 97 | 78 | 4.88 | 73 | -14 | 5,002 |
| 2022 | 241 | 71 | 57 | 3.66 | 134 | 406 | 5,797 |
| 2023 | 48 | 63 | 50 | 3.25 | 11 | 455 | 6,161 |
| 2024 | 264 | -68 | -42 | -2.66 | 77 | 569 | 6,117 |
| 2025 | 378 | 91 | 75 | 3.68 | 19 | 629 | 6,274 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Financial Institutions, Inc. bietet über seine Tochtergesellschaften Bank- und Finanzdienstleistungen für Privat-, Geschäfts- und Kommunalkunden in New York an.
| Employees | 631 |
|---|---|
| Headquarters | Warsaw, NY |
| Address | 220 Liberty Street, 14569 Warsaw, United States |
| Phone | 585 786 1100 |
| Website | five-starbank.com |
| IPO Date | 25. Jun 1999 |
| ISIN | US3175854047 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Martin K. Birmingham | President, CEO & Director | 1966 |
| William Jack Plants II | Executive VP, CFO & Treasurer | 1984 |
| Samuel J. Burruano Jr. | Executive VP, Chief Legal Officer & Corporate Secretary | 1969 |
| Laurie R. Collins | Senior Vice President & Chief Human Resources Officer | 1984 |
| Kevin B. Quinn | Senior VP & Chief Commercial Banking Officer | 1964 |
| Sandra L. Byers | Senior VP, Controller & Principal Accounting Officer | 1968 |
| Kate Croft | Director of Investor & External Relations | – |
| Blake G. Jones | Senior VP & Chief Marketing Officer | 1982 |
| Michael David Grover CPA | Senior VP, Director of Financial Planning & Analysis and Tax | 1972 |
| Scott D. Bader | Senior VP & Chief Information Security Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.