FISI
Financial Institutions Inc
NASDAQ: FISI · FINANCIAL SERVICES · BANKS - REGIONAL
$34.07
+0.12% today
Updated 2026-04-30
Market cap
$663.62M
P/E ratio
8.78
P/S ratio
2.77x
EPS (TTM)
$3.84
Dividend yield
3.66%
52W range
$24 – $36
Volume
0.1M
WallStSmart proprietary scores
76
out of 100
Grade: B+
Buy
Investment rating
7.3
Growth
B+7.3
Quality
B+7.5
Profitability
B+7.0
Valuation
B+5/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →204 stocks currently score above 75
Price targets
Analyst target
$37.00
+8.60%
12-Month target
$36.82
+8.07%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy0 Buy1 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 33.00% — above average
+ Free cash flow $18.18M — positive
+ Revenue growth 11.30% QoQ
+ Debt/equity 0.31x — low leverage
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $241.09M | $48.24M | $264.17M | $377.94M | $239.43M |
| Net income | $56.57M | $50.26M | $-41.65M | $74.87M | $20.98M |
| EPS | — | — | — | — | $3.84 |
| Free cash flow | $125.20M | $7.90M | $72.15M | $13.25M | $18.18M |
| Profit margin | 23.47% | 104.19% | -15.76% | 19.81% | 33.00% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-20 | QUINN, KEVIN B | Sale | 2,684 | — |
| 2026-03-20 | QUINN, KEVIN B | Buy | 2,684 | — |
| 2026-03-20 | QUINN, KEVIN B | Sale | 967 | $30.59 |
Peer comparison
Smart narrative
Financial Institutions Inc trades at $34.07. representing a P/E of 8.78x trailing earnings. Our Smart Value Score of 76/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. TTM revenue stands at $239.43M. with profit margins at 33.00%.
Frequently asked questions
What is Financial Institutions Inc's stock price?
Financial Institutions Inc (FISI) trades at $34.07.
Is Financial Institutions Inc overvalued?
Smart Value Score 76/100 (Grade B+, Buy).
What is the price target of Financial Institutions Inc (FISI)?
The analyst target price is $37.00, representing +8.6% upside from the current price of $34.07.
What is the future stock price of FISI by 2030?
Our revenue-driven model estimates Financial Institutions Inc could reach $53.95 by 2030, based on historical CAGR, margin trends, and capped P/E multiples.
What is Financial Institutions Inc's revenue?
TTM revenue is $239.43M.
Piotroski F-Score?
5/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.77x
ROE12.90%
Beta0.65
50D MA$32.44
200D MA$29.84
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.1M
Performance
1 week-0.35%
1 month+7.32%
3 months+3.34%
YTD+9.18%
1 year—
3 years—
5 years—