Financial Institutions (FISI)
Nasdaq Market Closed
Financial Institutions Inc is a community-focused bank holding company serving households, businesses and public-sector customers primarily in Western and Central New York. The company operates through banking subsidiaries, with Five Star Bank as its principal brand, and offers the core products expected from a regional financial institution: deposit accounts, branch and digital banking, lending, treasury services and other relationship-based financial services.
Its loan portfolio is broad rather than concentrated in a single niche. Financial Institutions Inc provides commercial and industrial credit, revolving lines of credit, commercial real estate mortgages, equipment financing, residential mortgages, home equity products, auto loans and personal loans. That mix gives the company exposure to local consumer activity, small and midsize business investment, municipal banking needs and real estate trends across its operating markets.
Although its historic base is in New York, the company also pursues commercial lending opportunities in the Mid-Atlantic region through a loan production office in Ellicott City, Maryland. This gives it a way to build business relationships outside its branch-heavy markets without operating as a large national bank.
Financial Institutions Inc reports as a single banking segment, reflecting the central role of traditional banking in its business model. Its competitive position depends on local market knowledge, customer relationships, credit discipline and the ability to attract stable deposits. For investors, FISI represents a smaller regional banking stock tied closely to economic conditions, interest-rate trends and credit quality in the communities it serves.
Last updated
- Market Cap
- 746.11M
- P/E
- 9.63
- P/FCF
- 27.53
- P/S
- 1.97
- Enterprise Value
- 882.45M
- Sector
- Financials
- Industry
- National Commercial Banks
- Address
- 220 LIBERTY STREET, WARSAW, NY, 14569
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 746.11M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 882.45M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 9.63
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.18
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.97
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 9.23
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 2.33
- EPS
- 3.94
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 3.54%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 27.53
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 22.97
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 27.1M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 12.27%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.23%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.3
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 9.55
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 9.55
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.49
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 106.17K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 37.9
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 92.24M | 96.56M | 96.48M | 93.48M | 91.42M |
| Gross profit | 62.67M | 64.12M | 63.85M | 59.74M | 57.24M |
| Operating income | 24.83M | 24M | 25.24M | 21.5M | 20.62M |
| EBITDA | 24.83M | 24M | 25.24M | 21.5M | 20.62M |
| Net income | 20.62M | 19.62M | 20.11M | 17.17M | 16.51M |
| Basic EPS | 1.05 | 0.97 | 1 | 0.85 | 0.82 |
| Diluted EPS | 1.04 | 0.96 | 0.99 | 0.85 | 0.81 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 6.29B | 6.27B | 6.29B | 6.14B | 6.34B |
| Total liabilities | 5.66B | 5.65B | 5.67B | 5.54B | 5.75B |
| Total equity | 631.67M | 628.85M | 621.72M | 601.67M | 589.93M |
| Cash & equivalents | 56.29M | 57.14M | 89.01M | 72.19M | 74.02M |
| Current assets | 1.09B | 1.03B | 1.11B | 1.01B | 1.21B |
| Current liabilities | 114M | 109M | 55M | 101M | 55M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 23.69M | 21.4M | -6.88M | -5.73M | 10.01M |
| Investing cash flow | -55.79M | -62.27M | -49.37M | 118.89M | -147.29M |
| Financing cash flow | 8.8M | -36.33M | 149.16M | -187.48M | 217.31M |
| Change in cash | -23.3M | -77.19M | 92.91M | -74.32M | 80.03M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 3 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 3 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 3 | Form 3 — Finch Steven C. | View Filing | |
| form 3 | Form 3 — Bovenzi David | View Filing | |
| edgar index | 8-K — FINANCIAL INSTITUTIONS INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — PANZARELLA ANGELA J | View Filing | |
| form 4 | Form 4 — PANZARELLA ANGELA J | View Filing | |
| form 4 | Form 4 — HOLLIDAY SUSAN R | View Filing | |
| form 4 | Form 4 — HOLLIDAY SUSAN R | View Filing | |
| form 4 | Form 4 — DORN ANDREW W JR | View Filing | |
| form 4 | Form 4 — Zupan Mark | View Filing | |
| form 4 | Form 4 — Latella Robert N | View Filing | |
| form 4 | Form 4 — Latella Robert N | View Filing | |
| form 4 | Form 4 — Glaser Robert M | View Filing | |
| form 4 | Form 4 — Glaser Robert M | View Filing | |
| form 4 | Form 4 — VanGelder Kim E | View Filing | |
| form 4 | Form 4 — Burlew Dawn H | View Filing | |
| form 4 | Form 4 — Burlew Dawn H | View Filing | |
| form 4 | Form 4 — Finch Steven C. | View Filing | |
| form 4 | Form 4 — Finch Steven C. | View Filing | |
| form 4 | Form 4 — Schrader Robert L. | View Filing | |
| form 4 | Form 4 — HARTING BRUCE W | View Filing | |
| form 4 | Form 4 — Bovenzi David | View Filing | |
| form 4 | Form 4 — Bovenzi David | View Filing | |
| edgar index | SCHEDULE 13G/A — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 10-Q — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 8-K — FINANCIAL INSTITUTIONS INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | ARS — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | DEFA14A — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | DEF 14A — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | SCHEDULE 13G/A — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| edgar index | 4 — FINANCIAL INSTITUTIONS INC | View Filing | |
| form 4 | Form 4 — Collins Laurie R | View Filing | |
| form 4 | Form 4 — Collins Laurie R | View Filing | |
| form 4 | Form 4 — Collins Laurie R | View Filing | |
| form 4 | Form 4 — Collins Laurie R | View Filing | |
| form 4 | Form 4 — BIRMINGHAM MARTIN KEARNEY | View Filing | |
| form 4 | Form 4 — BIRMINGHAM MARTIN KEARNEY | View Filing | |
| form 4 | Form 4 — BIRMINGHAM MARTIN KEARNEY | View Filing | |
| form 4 | Form 4 — BIRMINGHAM MARTIN KEARNEY | View Filing | |
| form 4 | Form 4 — BIRMINGHAM MARTIN KEARNEY | View Filing | |
| form 4 | Form 4 — Burruano Samuel J Jr | View Filing | |
| form 4 | Form 4 — Burruano Samuel J Jr | View Filing | |
| form 4 | Form 4 — Burruano Samuel J Jr | View Filing | |
| form 4 | Form 4 — BYERS SANDRA L | View Filing | |
| form 4 | Form 4 — BYERS SANDRA L | View Filing | |
| form 4 | Form 4 — Quinn Kevin B | View Filing | |
| form 4 | Form 4 — Quinn Kevin B | View Filing | |
| form 4 | Form 4 — Quinn Kevin B | View Filing | |
| form 4 | Form 4 — Quinn Kevin B | View Filing | |
| form 4 | Form 4 — PACOS GARY A. | View Filing | |
| form 4 | Form 4 — PACOS GARY A. | View Filing | |
| form 4 | Form 4 — PACOS GARY A. | View Filing |
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