FISI
Financial Institutions Inc
NASDAQ: FISI · FINANCIAL SERVICES · BANKS - REGIONAL
$34.24
+2.04% today
Updated 2026-06-02
Market cap
$730.56M
P/E ratio
9.66
P/S ratio
3.05x
EPS (TTM)
$3.84
Dividend yield
3.41%
52W range
$24 – $38
Volume
0.1M
WallStSmart proprietary scores
76
out of 100
Grade: B+
Buy
Investment rating
7.3
Growth
B+5.3
Quality
C+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+) →202 stocks currently score above 75
Price targets
Analyst target
$38.50
+12.44%
12-Month target
$36.82
+7.54%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy0 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 33.00% — above average
+ Free cash flow $23.04M — positive
+ Revenue growth 11.30% QoQ
+ Debt/equity 0.36x — 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 | $23.04M |
| Profit margin | 23.47% | 104.19% | -15.76% | 19.81% | 33.00% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-20 | ZUPAN, MARK | Buy | 1,282 | — |
| 2026-05-20 | VANGELDER, KIM E | Buy | 1,282 | — |
| 2026-05-20 | SCHRADER, ROBERT L. | Buy | 1,282 | — |
Peer comparison
Smart narrative
Financial Institutions Inc trades at $34.24. representing a P/E of 9.66x 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 $34.24, on a P/E of 9.7x and a P/S of 3.1x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Financial Institutions Inc overvalued?
Financial Institutions Inc carries a Smart Value Score of 76/100 (Grade B+), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Financial Institutions Inc (FISI)?
The 12-month analyst consensus target is $38.50, about 12.4% above the current $34.24. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of FISI by 2030?
Our research-backed model puts the 2030 base case at $53.95, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Financial Institutions Inc's revenue?
Financial Institutions Inc's trailing twelve-month revenue is $239.43M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.05x
ROE12.50%
Beta0.67
50D MA$34.17
200D MA$31.04
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.1M
Performance
1 week+0.00%
1 month+7.81%
3 months+20.53%
YTD+16.97%
1 year—
3 years—
5 years—