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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

Price (USD)
Price (USD)

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

Full Financials

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.

Trend Following

Enter on trend. Cut losses fast.

Best for:

Active traders

Swing Strategy

Buy support, sell on recovery.

Best for:

Risk-tolerant

Position Strategy

Ride market cycles. Patient hold.

Best for:

Patient investors

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