Financial Institutions, Inc. (FISI)Financial Services | Banks - Regional | Warsaw, United States | NasdaqGS
35.13 USD
+0.89
(2.599%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 35.13 Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★★★☆ |
Hot Take | April 11, 2026, 2:58 p.m. EDT
FISI shows a relatively stable dividend yield with a consistent payout history, making it appealing for income-focused investors. The recent price movement has been volatile, with the stock crossing above its 200-day moving average, which could signal a potential upward trend. However, the short-term forecasting model suggests minimal price change, indicating caution for short-term traders. Long-term investors might consider FISI as a solid option given its fundamentals and recent dip, but the mixed options activity suggests a need for careful monitoring. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.040077 |
| AutoARIMA | 0.040633 |
| AutoETS | 0.040647 |
| AutoTheta | 0.049734 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 80% |
| H-stat | 0.75 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.160 |
| Excess Kurtosis | -1.40 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-03-12 |
| Last Dividend Date | 2026-03-12 |
| Revenue per Share | 11.608 |
| Market Cap | 691,526,208 |
| Trailing P/E | 9.73 |
| Forward P/E | 8.47 |
| Beta | 0.65 |
| Profit Margins | 32.09% |
| Website | https://financialinstitutionsinc.q4ir.com/overview/default.aspx |
As of April 11, 2026, 2:58 p.m. EDT: Options speculators are showing mixed signals. For calls, there is a notable increase in open interest (OI) for out-of-the-money (OTM) strikes, particularly for the June 18 expiration, indicating potential bullish sentiment. However, puts show a significant amount of OI for OTM strikes, especially for the September 18 expiration, suggesting some bearish positioning. The high IV on puts, especially for the September 18 expiration, indicates increased uncertainty or fear. Overall, the options activity suggests a cautious outlook with potential for both bullish and bearish movements.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.06% | 4.50% | 5.83% | 5.57% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-03-13 | 0.32 | 1.057851 |
| 2025-12-15 | 0.31 | 0.966996 |
| 2025-09-15 | 0.31 | 1.190443 |
| 2025-06-13 | 0.31 | 1.281408 |
| 2025-03-14 | 0.31 | 1.243064 |
| 2024-12-13 | 0.30 | 1.098939 |
| 2024-09-13 | 0.30 | 1.253415 |
| 2024-06-14 | 0.30 | 1.897143 |
| 2024-03-14 | 0.30 | 1.806839 |
| 2023-12-13 | 0.30 | 1.621616 |
| 2023-09-13 | 0.30 | 2.000765 |
| 2023-06-14 | 0.30 | 2.077028 |
| 2023-03-15 | 0.30 | 1.678904 |
| 2022-12-15 | 0.29 | 1.446538 |
| 2022-09-15 | 0.29 | 1.401903 |
| 2022-06-16 | 0.29 | 1.375849 |
| 2022-03-17 | 0.29 | 1.120274 |
| 2021-12-16 | 0.27 | 1.051314 |
| 2021-09-16 | 0.27 | 1.170841 |
| 2021-06-17 | 0.27 | 1.090904 |
| 2021-03-18 | 0.27 | 1.140513 |
| 2020-12-18 | 0.26 | 1.549243 |
| 2020-09-10 | 0.26 | 2.027730 |
| 2020-06-11 | 0.26 | 2.003741 |
| 2020-03-18 | 0.26 | 2.444343 |
| 2019-12-12 | 0.25 | 1.040457 |
| 2019-09-12 | 0.25 | 1.115368 |
| 2019-06-13 | 0.25 | 1.255666 |
| 2019-03-14 | 0.25 | 1.204698 |
| 2018-12-12 | 0.24 | 1.242341 |
| 2018-09-12 | 0.24 | 1.046179 |
| 2018-06-13 | 0.24 | 1.048971 |
| 2018-03-14 | 0.24 | 1.086526 |
| 2017-12-13 | 0.22 | 0.984873 |
| 2017-09-13 | 0.21 | 1.127097 |
| 2017-06-12 | 0.21 | 1.014803 |
| 2017-03-10 | 0.21 | 0.931689 |
| 2016-12-08 | 0.21 | 0.940352 |
| 2016-09-08 | 0.20 | 1.114141 |
| 2016-06-09 | 0.20 | 1.090527 |
| 2016-03-11 | 0.20 | 1.092843 |
| 2015-12-08 | 0.20 | 1.151237 |
| 2015-09-08 | 0.20 | 1.262514 |
| 2015-06-09 | 0.20 | 1.317706 |
| 2015-03-10 | 0.20 | 1.382486 |
| 2014-12-10 | 0.20 | 1.299299 |
| 2014-09-10 | 0.19 | 1.314054 |
| 2014-06-11 | 0.19 | 1.303480 |
| 2014-03-11 | 0.19 | 1.371419 |
| 2013-12-10 | 0.19 | 1.315154 |
| 2013-09-10 | 0.19 | 1.621657 |
| 2013-06-11 | 0.18 | 1.582793 |
| 2013-03-12 | 0.18 | 1.522045 |
| 2012-12-13 | 0.16 | 1.525279 |
| 2012-09-10 | 0.14 | 1.337647 |
| 2012-06-11 | 0.14 | 1.498649 |
| 2012-03-12 | 0.13 | 1.388157 |
| 2011-12-12 | 0.13 | 1.510256 |
| 2011-09-14 | 0.12 | 1.409577 |
| 2011-06-15 | 0.12 | 1.381078 |
| 2011-03-03 | 0.10 | 0.937017 |
| 2010-12-09 | 0.10 | 0.936159 |
| 2010-09-09 | 0.10 | 1.157689 |
| 2010-06-10 | 0.10 | 1.029626 |
| 2010-03-11 | 0.10 | 1.241433 |
| 2009-12-11 | 0.10 | 1.648676 |
| 2009-09-14 | 0.10 | 1.643161 |
| 2009-06-11 | 0.10 | 1.370148 |
| 2009-03-12 | 0.10 | 3.651482 |
| 2008-12-11 | 0.10 | 1.452228 |
| 2008-09-11 | 0.15 | 1.839445 |
| 2008-06-12 | 0.15 | 1.558479 |
| 2008-03-13 | 0.14 | 1.522432 |
| 2007-12-13 | 0.13 | 1.448201 |
| 2007-09-12 | 0.12 | 1.308301 |
| 2007-06-13 | 0.11 | 1.108994 |
| 2007-03-14 | 0.10 | 0.975611 |
| 2006-12-13 | 0.09 | 0.793973 |
| 2006-09-13 | 0.09 | 0.755679 |
| 2006-06-13 | 0.08 | 0.887740 |
| 2006-03-13 | 0.08 | 0.876050 |
| 2005-12-15 | 0.08 | 0.798488 |
| 2005-09-15 | 0.08 | 1.034724 |
| 2005-06-16 | 0.08 | 0.921959 |
| 2005-03-16 | 0.16 | 1.665862 |
| 2004-12-16 | 0.16 | 1.317079 |
| 2004-09-23 | 0.16 | 1.547546 |
| 2004-06-17 | 0.16 | 1.589730 |
| 2004-03-18 | 0.16 | 1.575506 |
| 2003-12-15 | 0.16 | 1.404048 |
| 2003-09-15 | 0.16 | 1.497410 |
| 2003-06-13 | 0.16 | 1.496911 |
| 2003-03-10 | 0.16 | 1.627241 |
| 2002-12-16 | 0.16 | 1.230485 |
| 2002-09-12 | 0.15 | 1.270652 |
| 2002-06-17 | 0.14 | 0.902482 |
| 2002-03-14 | 0.13 | 1.064733 |
| 2001-12-12 | 0.13 | 1.270364 |
| 2001-06-13 | 0.12 | 1.363069 |
| 2001-03-14 | 0.11 | 1.752317 |
| 2000-12-13 | 0.11 | 1.948332 |
| 2000-09-13 | 0.11 | 1.842794 |
| 2000-06-14 | 0.10 | 1.658938 |
| 2000-03-15 | 0.10 | 2.111819 |
| 1999-12-15 | 0.08 | 1.599494 |
| 1999-09-15 | 0.08 | 1.508999 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.5361148 |
| Address1 | 220 Liberty Street |
| All Time High | 38.85 |
| All Time Low | 3.27 |
| Ask | 35.19 |
| Ask Size | 1 |
| Audit Risk | 4 |
| Average Daily Volume10 Day | 119,070 |
| Average Daily Volume3 Month | 159,096 |
| Average Volume | 159,096 |
| Average Volume10Days | 119,070 |
| Beta | 0.652 |
| Bid | 35.03 |
| Bid Size | 1 |
| Board Risk | 2 |
| Book Value | 30.891 |
| City | Warsaw |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 35.13 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 35.66 |
| Day Low | 34.55 |
| Dividend Date | 1,775,088,000 |
| Dividend Rate | 1.25 |
| Dividend Yield | 3.56 |
| Earnings Call Timestamp End | 1,777,033,800 |
| Earnings Call Timestamp Start | 1,777,033,800 |
| Earnings Timestamp | 1,776,974,400 |
| Earnings Timestamp End | 1,776,974,400 |
| Earnings Timestamp Start | 1,776,974,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.987 |
| Enterprise Value | 930,226,816 |
| Eps Current Year | 3.915 |
| Eps Forward | 4.15 |
| Eps Trailing Twelve Months | 3.61 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,773,360,000 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 32.4836 |
| Fifty Day Average Change | 2.6464005 |
| Fifty Day Average Change Percent | 0.08146881 |
| Fifty Two Week Change Percent | 53.61148 |
| Fifty Two Week High | 35.66 |
| Fifty Two Week High Change | -0.5299988 |
| Fifty Two Week High Change Percent | -0.014862557 |
| Fifty Two Week Low | 21.81 |
| Fifty Two Week Low Change | 13.320002 |
| Fifty Two Week Low Change Percent | 0.6107291 |
| Fifty Two Week Range | 21.81 - 35.66 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 930,317,400,000 |
| Five Year Avg Dividend Yield | 4.83 |
| Float Shares | 17,295,776 |
| Forward Eps | 4.15 |
| Forward P E | 8.46506 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 631 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 233,315,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02496 |
| Held Percent Institutions | 0.81832004 |
| Implied Shares Outstanding | 19,684,776 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,773,360,000 |
| Last Dividend Value | 0.32 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Financial Institutions, Inc. |
| Market | us_market |
| Market Cap | 691,526,208 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_400006 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 73,409,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 691,526,180 |
| Number Of Analyst Opinions | 2 |
| Open | 34.61 |
| Operating Cashflow | 18,802,000 |
| Operating Margins | 0.41197 |
| Overall Risk | 2 |
| Payout Ratio | 0.3435 |
| Peg Ratio | 1.41 |
| Phone | 585 786 1100 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 35.13 |
| Post Market Time | 1,776,456,605 |
| Previous Close | 34.24 |
| Price Eps Current Year | 8.973181 |
| Price Hint | 2 |
| Price To Book | 1.1372244 |
| Price To Sales Trailing12 Months | 2.9639165 |
| Profit Margins | 0.32088003 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.889999 |
| Regular Market Change Percent | 2.5993 |
| Regular Market Day High | 35.66 |
| Regular Market Day Low | 34.55 |
| Regular Market Day Range | 34.55 - 35.66 |
| Regular Market Open | 34.61 |
| Regular Market Previous Close | 34.24 |
| Regular Market Price | 35.13 |
| Regular Market Time | 1,776,456,001 |
| Regular Market Volume | 106,174 |
| Return On Assets | 0.01208 |
| Return On Equity | 0.125 |
| Revenue Per Share | 11.608 |
| Sand P52 Week Change | 0.36506534 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 19,684,776 |
| Shares Percent Shares Out | 0.0286 |
| Shares Short | 563,041 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 404,236 |
| Short Name | Financial Institutions, Inc. |
| Short Percent Of Float | 0.0293 |
| Short Ratio | 4.45 |
| Source Interval | 15 |
| State | NY |
| Symbol | FISI |
| Target High Price | 38.0 |
| Target Low Price | 36.0 |
| Target Mean Price | 37.0 |
| Target Median Price | 37.0 |
| Total Cash | 137,868,000 |
| Total Cash Per Share | 7.022 |
| Total Debt | 361,060,000 |
| Total Revenue | 233,315,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.24 |
| Trailing Annual Dividend Yield | 0.03621495 |
| Trailing Eps | 3.61 |
| Trailing P E | 9.731302 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 29.6236 |
| Two Hundred Day Average Change | 5.506401 |
| Two Hundred Day Average Change Percent | 0.18587886 |
| Type Disp | Equity |
| Volume | 106,174 |
| Website | https://financialinstitutionsinc.q4ir.com/overview/default.aspx |
| Zip | 14,569 |