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NASDAQ · FISIFinancialsBanking & Credit

Financial Institutions Inc (FISI)

$40.44+2.77%
Close Nov 4, 2026 · split-adjusted
Oct 30, 2026$39.37▲ 35.62% in range
Nov 3, 2025Low $28.31 · High $42.70Oct 30, 2026
What changed · written from our data
As of Nov 4, 2026

Financial Institutions closed at $40.44 on Nov 4, up 2.77%, 5.3% below its 52-week closing high. Volume of 180.2K shares was 1.64× its 20-day average (above normal).

Split-adjusted performance: +3.0% over one month, +14.4% over six months, +39.3% over one year.

In the quarter ended Jun 30, 2026, revenue was $94.03M, up 0.6% from a year earlier, with a net margin of 22.1%.

Short interest was 742.9K shares at the Oct 15 settlement, down 6.6% from the prior report (3.9% of float, 7.2 days to cover).

Market cap$789.4M19.5M shares
Revenue · quarter$94.0M+0.6% YoY
Diluted EPS$1.04+22.4% YoY
P/E · TTM9.7×P/S 2.1×
Net margin22.1%Gross 68.4%
Dividend yield3.17%$0.32 last paid
52-week range28.31 – 42.70−5.3% from high
Volume180.2K1.64× 20-day avg
Volatility · 60d18.5%Annualised
Short % of float3.9%7.2 days to cover
Net cash$748.9MCash $1.01B
Next earnings—Not scheduled
Split-adjusted performance
1W −0.8%1M +3.0%3M −3.6%6M +14.4%YTD +29.7%1Y +39.3%3Y +150.6%5Y +29.7%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum70
Revenue growth27
Net margin69
Value (low P/E)84
Size52

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short742.9K−6.6% vs prior
Days to cover7.2Settled Oct 15
% of float3.9%
Short vol. 10d63.1%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
FISIFinancial Institutions$40.44+2.77%+14.4%+0.6%22.1%9.7$789.4M
SMBCSouthern Missouri Bancorp$72.57+1.51%+4.9%+2.8%24.9%11.2$799.2MCompare
SHBIShore Bancshares$23.13+1.40%+17.1%+3.3%19.1%11.3$771.9MCompare
WASHWashington Trust Bancorp$40.28+2.78%+25.9%−2.2%17.0%13.9$768.3MCompare
PRAAPRA Group$20.18+1.51%−5.2%+29.4%15.6%—$759.7MCompare
IBCPIndependent Bank$37.25+1.55%+10.2%+5.7%22.8%11.5$822.5MCompare
HTBHomeTrust Bancshares$47.84+2.16%+4.1%−4.6%21.9%11.7$756.6MCompare
SPFISouth Plains Financial$43.94+1.20%+6.8%+16.8%21.3%12.7$827.8MCompare
WRLDWorld Acceptance$161.10−2.75%+8.1%+4.8%4.4%19.1$750.8MCompare

News about Financial Institutions

All news →
Financial Institutions (FISI) Lags Q3 Earnings and Revenue EstimatesZacks Investment Research · 6d ago▼ NegativeAre You Looking for a High-Growth Dividend Stock?Zacks Investment Research · Oct 14, 2026▲ PositiveFinancial Institutions, Inc. Announces Quarterly Cash DividendBenzinga · May 20, 2026▲ Positive

Quick answers

What does Financial Institutions do?
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans.
What is FISI's market cap?
$789.43M, based on the Nov 4 close of $40.44.
What is FISI's P/E ratio?
9.7× trailing-twelve-month earnings of $81.17M.
Does Financial Institutions pay a dividend?
Yes. The latest regular dividend was $0.32 per share (ex-date Sep 15), an annualised yield of 3.17%.
How much of FISI is sold short?
742.9K shares, 3.9% of float, as of Oct 15, 2026.
What sector is FISI in?
Financials, in the Banking & Credit industry.

About Financial Institutions

Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.

HQ: Warsaw, NY631 employeesListed Jun 25, 1999FISI-investors.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology