Financial Institutions Inc
FISI
NASDAQ
Banking
$42.16
USD
+0.91 (+2.21%)
At close: Jul 28, 2026, 4:00 PM EDT
Market Cap $821.54M
Volume 155.6K
About Financial Institutions Inc
Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Warsaw New York, New York and currently employs 631 full-time employees. The company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. The company offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. The company offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. The company offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
CEO
Mr. Martin Birmingham
HQ
Warsaw New York, NEW YORK, US
Founded
1999
Employees
631
Quantli Score
8.4
Outperform
Fin. Health
8.1
Profitability
7.6
Growth
9.0
Cash-Flow Q.
8.8
Key Metrics
7 metrics our research team weighs before forming a view on FISI.
Based on Quantli research · SEC filings · as of Q1 2026
METRIC
VALUE
CHANGE
TREND (3Y)
Revenue Growth (TTM)
34.5%
+53.8 pp
Gross Margin (TTM)
66.1%
+4.8 pp
Operating Margin (TTM)
25.2%
+2.0 pp
Net Margin (TTM)
20.9%
+30.4 pp
ROE (TTM)
12.5%
+17.1 pp
EPS Growth (TTM)
17.4%
-13.4 pp
Free Cash Flow (TTM)
$27.10M
-72.1%
Financial Snapshot
Revenue
$378.76M
+34.5%
YoY
Gross Margin
66%
TTM
+7.9%
YoY
Net Income
$78.97M
+394.3%
YoY
Operating Cash Flow
$32.48M
-56.6%
YoY
Key Statistics
Open
$41.37
Previous Close
$41.25
Day Range
$41.37 - $42.26
52 Week Range
$24.62 - $42.26
Volume
155.6K
Average Volume (10 Days)
160.0K
Market Cap
$821.54M
P/E Ratio (TTM)
9.94
P/S Ratio (TTM)
2.17
Dividend Yield
3.21%
Valuation Measurement
Market Cap
$821.54M
Trailing P/E
9.94
Price / Sales
2.17
Price / Book
1.30
Financial Highlights
Profit Margin
20.9%
Return on Assets
1.3%
Return on Equity
12.5%
Revenue (TTM)
$378.76M
Net Income (TTM)
$78.97M
Diluted EPS (TTM)
$3.84
Total Cash (MRQ)
$56.28M
Levered FCF (TTM)
$27.10M
Turn research into action
Knowing a stock is strong is the start. Knowing how to invest in it when you spot good research is good returns.
Similar Stocks
PFIS
Peoples Financial Services Corp
$71.93
▲ +2.4%
WASH
Washington Trust Bancorp Inc
$39.55
▲ +2.5%
IBCP
Independent Bank Corp
$38.67
▲ +2.9%
CARE
Carter Bankshares Inc
$34.54
▲ +1.4%
ORRF
Orrstown Financial Services Inc
$43.63
▲ +2.5%
SHBI
Shore Bancshares Inc
$24.44
▲ +2.3%
AROW
Arrow Financial Corp
$40.18
▲ +0.0%
CWBC
Community West Bancshares
$25.54
▲ +1.1%