FISI

Financial Institutions Inc

FISI.US five-starbank.com
40.92
-0.17 (-0.41%)
USD · NASDAQ
52-week range
24.89
42.97
Trading at 89% of the 52-week range
Market Cap
809.73M
P/E Ratio
10.20
Forward P/E
11.27
Book Value
31.77
Div. Yield
3.09%
% Institutions
81.33%
% Insiders
2.59%

1 Year

+56.4%

3 Year

+171.7%

10 Year

+132.8%
Description

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.

Company Information

Company Name
Financial Institutions Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US3175854047
CIK: 0000862831
CUSIP: 317585404
Currency: USD
Full Time Employees: 631
Phone: 585 786 1100
Fiscal Year End: December
IPO Date: Jun 25, 1999
Description:

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.

Address:

220 Liberty Street, Warsaw, NY, United States, 14569

People

Directors & Officers

Name Title Year Born
Mr. Martin K. Birmingham President, CEO & Director 1966
Mr. William Jack Plants II Executive VP, CFO & Treasurer 1984
Mr. Samuel J. Burruano Jr. Executive VP, Chief Legal Officer & Corporate Secretary 1969
Ms. Laurie R. Collins Senior Vice President & Chief Human Resources Officer 1984
Mr. Kevin B. Quinn Senior VP & Chief Commercial Banking Officer 1964
Ms. Sandra L. Byers Senior VP, Controller & Principal Accounting Officer 1968
Ms. Kate Croft Director of Investor & External Relations NA
Ms. Blake G. Jones Senior VP & Chief Marketing Officer 1982
Mr. Michael David Grover CPA Senior VP, Director of Financial Planning & Analysis and Tax 1972
Mr. Scott D. Bader Senior VP & Chief Information Security Officer NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 13, 2024 Kevin B Quinn N/A Purchase 400.00 $25.00 $10.00K
Dec 13, 2024 Robert N Latella N/A Purchase 4.00K $25.00 $100.00K
May 08, 2023 Samuel M Gullo N/A Purchase 2.00K $15.94 $31.88K
May 04, 2023 Robert N Latella N/A Purchase 10.00K $15.06 $150.60K
May 03, 2023 Martin Kearney Birmingham N/A Purchase 1.50K $16.25 $24.38K
May 03, 2023 Samuel J Burruano Jr N/A Purchase 1.00K $15.82 $15.82K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
PL Capital Advisors, LLC 1.82M Jun 30, 2026 9.22% $19.67 0.00%
BlackRock Inc 1.48M Mar 31, 2026 7.50% $0.00 1.13%
Dimensional Fund Advisors, Inc. 1.00M Jun 30, 2026 5.09% $0.01 4.68%
Vanguard Capital Management, LLC 835.54K Mar 31, 2026 4.24% $0.00 0.00%
Adage Capital Partners Gp LLC 834.97K Jun 30, 2026 4.24% $0.05 -11.96%
State Street Corp 579.12K Mar 31, 2026 2.94% $0.00 14.14%
Geode Capital Management, LLC 568.70K Mar 31, 2026 2.89% $0.00 17.95%
Ategra Capital Management LLC 564.10K Jun 30, 2026 2.86% $9.89 0.00%
Acadian Asset Management LLC 554.60K Mar 31, 2026 2.81% $0.02 1,342.44%
American Century Companies Inc 349.61K Jun 30, 2026 1.77% $0.01 298.37%
Two Sigma Investments LLC 274.74K Mar 31, 2026 1.39% $0.01 68.01%
Morgan Stanley - Brokerage Accounts 260.73K Mar 31, 2026 1.32% $0.00 -22.74%
AllianceBernstein L.P. 253.23K Mar 31, 2026 1.29% $0.00 5.46%
Hillsdale Investment Management Inc. 249.20K Jun 30, 2026 1.26% $0.22 6.92%
The Goldman Sachs Group Inc 245.18K Mar 31, 2026 1.24% $0.00 14.26%
JPMorgan Chase & Co 242.92K Mar 31, 2026 1.23% $0.00 -15.68%
Vanguard Portfolio Management, LLC 212.93K Mar 31, 2026 1.08% $0.00 0.00%
UBS Group AG 203.04K Mar 31, 2026 1.03% $0.00 677.92%
Renaissance Technologies Corp 202.93K Mar 31, 2026 1.03% $0.01 -25.20%
Hotchkis & Wiley Capital Management LLC 202.30K Mar 31, 2026 1.03% $0.02 -44.03%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 595.01K 3.02% ▲ 0.00% Jul 31, 2026
2 iShares Russell 2000 ETF 549.64K 2.79% ▼ 0.57% Aug 31, 2026
3 Avantis US Small Cap Value ETF 365.62K 1.86% ▲ 0.33% Aug 31, 2026
4 Vanguard Institutional Extnd Mkt Idx Tr 227.22K 1.15% ▲ 0.24% Jul 31, 2026
5 Fidelity Small Cap Index 215.52K 1.09% ▲ 9.83% Jun 30, 2026
6 DFA US Small Cap Value I 198.82K 1.01% ▲ 0.00% Jul 31, 2026
7 iShares Russell 2000 Value ETF 190.84K 0.97% ▼ 0.23% Aug 31, 2026
8 State Street® SPDR® S&PRgnllBkgETF 136.97K 0.70% ▼ 3.38% Aug 31, 2026
9 Russell 2000 Index Non-Lendable Fund 134.03K 0.68% ▲ 2.36% Jun 30, 2026
10 Russell 2000 Equity Index Fund B 134.03K 0.68% ▲ 2.36% Jun 30, 2026

Financial Highlights

Market Cap: $809.73M
P/E Ratio: $10.20
PEG Ratio: $1.41
Book Value: $31.77
Dividend/Share: $1.26
Dividend Yield: 3.09%
Earnings/Share: $4.03
Profit Margin: 33.94%
Operating Margin: 43.60%
ROA (TTM): 1.32%
ROE (TTM): 13.27%
Revenue (TTM): $243.46M
Revenue/Share (TTM): $12.24
Earnings Growth (YOY): 22.40%
Revenue Growth (YOY): 7.00%

Valuation Metrics

Enterprise Value: $1.02B
Trailing P/E: 10.20
Forward P/E: 11.27

Shares Statistics

Shares Outstanding: 19.71M
Shares Float: 17.33M
% Insiders: 2.59%
% Institutions: 81.33%
Short % Float: 2.89%

Stock Price History

1 Year Price History

3 Years Price History

10 Years Price History

Financial Charts

Revenue, Net Income & Operating Cash Flow (Yearly)

Revenue, Net Income & Operating Cash Flow (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$377.94M
Cost of Goods Sold
adjust
$-144.63M
Gross Profit
subtotal
$233.32M
SG&A
adjust
$-88.30M
Other Operating Expense
adjust
$-53.66M
Operating Income
subtotal
$91.35M
Other / Non-Operating Items
adjust
$-16.49M
Net Income
subtotal
$74.87M

Earnings Per Share (EPS) History

Financial Ratios

📦 Raw API Data (JSON Explorer)

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