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Financial Institutions, Inc. (FISI)

Financial Services | Banks - Regional | Warsaw, United States | NasdaqGS
39.53 USD +0.26 (0.662%) ⇧ (Oct. 16, 2026, 10:12 a.m. EDT)

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 9:31 a.m. EDT

Financial Institutions, Inc. presents a compelling asymmetric setup where strong fundamentals meet speculative optimism. The company is delivering exceptional operational results, boasting a 20.8% quarterly earnings surge and robust loan growth that propelled it to a new 12-month high. Fundamentally, the stock is trading at a discount to its intrinsic value with a P/E of roughly 9.5 and a healthy payout ratio of 31%, leaving ample room for multiple expansion. While the statistical forecasting model offers a neutral signal, this appears to be a lagging indicator failing to capture the immediate post-earnings momentum. The options market confirms this bullish bias, with heavy call positioning targeting the $45 analyst consensus, suggesting smart money expects the stock to reclaim its highs. The primary risk is the inherent cyclicality of regional banking, but the current trajectory of profitability and the supportive options flow suggest a high-conviction entry for the near term, while the attractive yield provides a safety net for the longer hold.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.014943
AutoETS0.015255
AutoARIMA0.015255
AutoTheta0.022193

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 52%
H-stat 1.31
Ljung-Box p 0.000
Jarque-Bera p 0.980
Excess Kurtosis -0.03
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-09-14
Revenue per Share 12.243
Market Cap 778,992,384
Trailing P/E 9.81
Forward P/E 9.19
Beta 0.64
Profit Margins 33.94%
Website https://www.five-starbank.com

As of Oct. 10, 2026, 9:31 a.m. EDT: Speculators are positioning for a moderate upside move within the year, evidenced by significant open interest in out-of-the-money calls (strikes 40 and 45) relative to puts. However, there is a distinct defensive layer of put buying at lower strikes (30-35) for later expirations, suggesting a belief in volatility or a floor rather than a straight-line rally. Implied volatility is elevated for near-term calls compared to deep-term puts, indicating traders expect immediate movement driven by earnings or sector rotation.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.78% 3.64% 4.77% 4.91%
Dividend History
Date Dividend Yield %
2026-09-15 0.32 0.784314
2026-06-12 0.32 0.844327
2026-03-13 0.32 1.057851
2025-12-15 0.31 0.956790
2025-09-15 0.31 1.166729
2025-06-13 0.31 1.241490
2025-03-14 0.31 1.190019
2024-12-13 0.30 1.039501
2024-09-13 0.30 1.173250
2024-06-14 0.30 1.754386
2024-03-14 0.30 1.642036
2023-12-13 0.30 1.449976
2023-09-13 0.30 1.761597
2023-06-14 0.30 1.797483
2023-03-15 0.30 1.427891
2022-12-15 0.29 1.212882
2022-09-15 0.29 1.161394
2022-06-16 0.29 1.126651
2022-03-17 0.29 0.907384
2021-12-16 0.27 0.844014
2021-09-16 0.27 0.931999
2021-06-17 0.27 0.860421
2021-03-18 0.27 0.891972
2020-12-18 0.26 1.200924
2020-09-10 0.26 1.554094
2020-06-11 0.26 1.512507
2020-03-18 0.26 1.820728
2019-12-12 0.25 0.764059
2019-09-12 0.25 0.812744
2019-06-13 0.25 0.907441
2019-03-14 0.25 0.862664
2018-12-12 0.24 0.882029
2018-09-12 0.24 0.736196
2018-06-13 0.24 0.732824
2018-03-14 0.24 0.753532
2017-12-13 0.22 0.677966
2017-09-13 0.21 0.770642
2017-06-12 0.21 0.688525
2017-03-10 0.21 0.627803
2016-12-08 0.21 0.629685
2016-09-08 0.20 0.741290
2016-06-09 0.20 0.720202
2016-03-11 0.20 0.716589
2015-12-08 0.20 0.749344
2015-09-08 0.20 0.815661
2015-06-09 0.20 0.844238
2015-03-10 0.20 0.878349
2014-12-10 0.20 0.818331
2014-09-10 0.19 0.821089
2014-06-11 0.19 0.807823
2014-03-11 0.19 0.843320
2013-12-10 0.19 0.802026
2013-09-10 0.19 0.981405
2013-06-11 0.18 0.948367
2013-03-12 0.18 0.903614
2012-12-13 0.16 0.897364
2012-09-10 0.14 0.779944
2012-06-11 0.14 0.866873
2012-03-12 0.13 0.796081
2011-12-12 0.13 0.859220
2011-09-14 0.12 0.795229
2011-06-15 0.12 0.772698
2011-03-03 0.10 0.520291
2010-12-09 0.10 0.517063
2010-09-09 0.10 0.636132
2010-06-10 0.10 0.562114
2010-03-11 0.10 0.673854
2009-12-11 0.10 0.888889
2009-09-14 0.10 0.877963
2009-06-11 0.10 0.725689
2009-03-12 0.10 1.919386
2008-12-11 0.10 0.744602
2008-09-11 0.15 0.936914
2008-06-12 0.15 0.786576
2008-03-13 0.14 0.762112
2007-12-13 0.13 0.719424
2007-09-12 0.12 0.645161
2007-06-13 0.11 0.543478
2007-03-14 0.10 0.475511
2006-12-13 0.09 0.385109
2006-09-13 0.09 0.365112
2006-06-13 0.08 0.427350
2006-03-13 0.08 0.419948
2005-12-15 0.08 0.381134
2005-09-15 0.08 0.492005
2005-06-16 0.08 0.436205
2005-03-16 0.16 0.784698
2004-12-16 0.16 0.615621
2004-09-23 0.16 0.719101
2004-06-17 0.16 0.733608
2004-03-18 0.16 0.721696
2003-12-15 0.16 0.638468
2003-09-15 0.16 0.676819
2003-06-13 0.16 0.671987
2003-03-10 0.16 0.725624
2002-12-16 0.16 0.544774
2002-09-12 0.15 0.559493
2002-06-17 0.14 0.395257
2002-03-14 0.13 0.464452
2001-12-12 0.13 0.551549
2001-06-13 0.12 0.588524
2001-03-14 0.11 0.752137
2000-12-13 0.11 0.830189
2000-09-13 0.11 0.778761
2000-06-14 0.10 0.695652
2000-03-15 0.10 0.879121
1999-12-15 0.08 0.659794
1999-09-15 0.08 0.618357
Additional Data
dividendYield 3.26
exDividendDate 2026-09-15
trailingAnnualDividendRate 1.26
trailingAnnualDividendYield 0.03208556
lastDividendValue 0.32
lastDividendDate 2026-09-15
dividendDate 2026-10-02

Info Dump

Attribute Value
52 Week Change 0.52682734
Address1 220 Liberty Street
All Time High 42.97
All Time Low 3.27
Ask 50.7
Ask Size 2
Audit Risk 4
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 100,630
Average Daily Volume3 Month 141,418
Average Volume 141,418
Average Volume10Days 100,630
Beta 0.64
Bid 28.42
Bid Size 2
Board Risk 3
Book Value 31.774
City Warsaw
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 39.53
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 39.85
Day Low 39.07
Display Name Financial Institutions
Dividend Date 1,790,899,200
Dividend Yield 3.26
Earnings Call Timestamp End 1,793,390,400
Earnings Call Timestamp Start 1,793,390,400
Earnings Growth 0.224
Earnings Quarterly Growth 0.208
Earnings Timestamp 1,793,304,000
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda Margins 0.0
Enterprise To Revenue 4.037
Enterprise Value 982,793,728
Eps Current Year 4.19
Eps Forward 4.3
Eps Trailing Twelve Months 4.03
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 40.4472
Fifty Day Average Change -0.917202
Fifty Day Average Change Percent -0.022676526
Fifty Two Week Change Percent 52.68273
Fifty Two Week High 42.97
Fifty Two Week High Change -3.4400024
Fifty Two Week High Change Percent -0.08005591
Fifty Two Week Low 25.66
Fifty Two Week Low Change 13.869999
Fifty Two Week Low Change Percent 0.54052997
Fifty Two Week Range 25.66 - 42.97
Financial Currency USD
First Trade Date Milliseconds 930,317,400,000
Five Year Avg Dividend Yield 4.52
Float Shares 17,328,591
Forward Eps 4.3
Forward P E 9.193023
Full Exchange Name NasdaqGS
Full Time Employees 631
Fullday Change 0.25999832
Fullday Change Percent 0.66207874
Fullday Price 39.53
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 243,463,008
Has Pre Post Market Data 1
Held Percent Insiders 0.02585
Held Percent Institutions 0.81219
Implied Shares Outstanding 19,706,360
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,789,430,400
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 778,992,384
Market State REGULAR
Max Age 86,400
Message Board Id finmb_400006
Most Recent Quarter 1,782,777,600
Net Income To Common 81,168,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 780,765,983
Number Of Analyst Opinions 2
Open 39.33
Operating Cashflow 60,871,000
Operating Margins 0.43598
Overall Risk 3
Payout Ratio 0.3127
Peg Ratio 1.41
Phone 585 786 1100
Previous Close 39.27
Price Eps Current Year 9.434367
Price Hint 2
Price To Book 1.2440989
Price To Sales Trailing12 Months 3.1996334
Profit Margins 0.33938
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change 0.25999832
Regular Market Change Percent 0.66207874
Regular Market Day High 39.85
Regular Market Day Low 39.07
Regular Market Day Range 39.07 - 39.85
Regular Market Open 39.33
Regular Market Previous Close 39.27
Regular Market Price 39.53
Regular Market Time 1,792,159,944
Regular Market Volume 8,087
Return On Assets 0.01324
Return On Equity 0.13272001
Revenue Growth 0.07
Revenue Per Share 12.243
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 19,706,360
Shares Percent Shares Out 0.0404
Shares Short 795,503
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 554,919
Short Name Financial Institutions, Inc.
Short Percent Of Float 0.0414
Short Ratio 5.78
Source Interval 15
State NY
Symbol FISI
Target High Price 45.0
Target Low Price 45.0
Target Mean Price 45.0
Target Median Price 45.0
Total Cash 128,357,000
Total Cash Per Share 6.513
Total Debt 319,996,992
Total Revenue 243,463,008
Tradeable 0
Trailing Annual Dividend Rate 1.26
Trailing Annual Dividend Yield 0.03208556
Trailing Eps 4.03
Trailing P E 9.808932
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 36.2489
Two Hundred Day Average Change 3.2810974
Two Hundred Day Average Change Percent 0.09051578
Type Disp Equity
Volume 8,087
Website https://www.five-starbank.com
Zip 14,569