FISI

Financial Institutions Inc

FISI.US five-starbank.com + Research + Basket
CIK 0000862831
Employees 631
Phone 585 786 1100
Fiscal year end December
IPO Jun 25, 1999
Address 220 Liberty Street, Warsaw, NY, United States, 14569
40.73
-0.08 (-0.20%)
USD · NASDAQ
52-week range
27.00
42.63
Trading at 88% of the 52-week range
Market Cap
804.22M
P/E Ratio
10.13
Forward P/E
11.27
Book Value
31.77
Div. Yield
3.10%
% Institutions
82.15%
% Insiders
2.59%

1 Year

+43.7%

3 Year

+203.0%

10 Year

+130.8%
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.

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People

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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

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

Shareholders

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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 1.67M Jun 30, 2026 8.46% $0.00 12.80%
Dimensional Fund Advisors, Inc. 1.00M Jun 30, 2026 5.09% $0.01 4.68%
Vanguard Capital Management, LLC 841.17K Jun 30, 2026 4.27% $0.00 0.67%
Adage Capital Partners Gp LLC 834.97K Jun 30, 2026 4.24% $0.05 -11.96%
Acadian Asset Management LLC 593.37K Jun 30, 2026 3.01% $0.03 6.99%
State Street Corp 592.49K Jun 30, 2026 3.01% $0.00 2.31%
Geode Capital Management, LLC 586.72K Jun 30, 2026 2.98% $0.00 3.17%
Ategra Capital Management LLC 564.10K Jun 30, 2026 2.86% $9.89 0.00%
Two Sigma Investments LLC 457.10K Jun 30, 2026 2.32% $0.01 66.37%
JPMorgan Chase & Co 404.98K Jun 30, 2026 2.06% $0.00 66.71%
American Century Companies Inc 349.61K Jun 30, 2026 1.77% $0.01 298.37%
Vanguard Portfolio Management, LLC 263.03K Jun 30, 2026 1.33% $0.00 23.53%
AQR Capital Management LLC 251.50K Jun 30, 2026 1.28% $0.00 59.17%
Hillsdale Investment Management Inc. 249.20K Jun 30, 2026 1.26% $0.22 6.92%
AllianceBernstein L.P. 245.26K Jun 30, 2026 1.24% $0.00 -3.15%
Morgan Stanley - Brokerage Accounts 234.92K Jun 30, 2026 1.19% $0.00 -9.90%
The Goldman Sachs Group Inc 216.11K Jun 30, 2026 1.10% $0.00 -11.86%
Hotchkis & Wiley Capital Management LLC 199.50K Jun 30, 2026 1.01% $0.02 -1.38%
Qube Research & Technologies 193.83K Jun 30, 2026 0.98% $0.01 186.55%

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% Sep 30, 2026
2 iShares Russell 2000 ETF 548.76K 2.78% ▲ 1.46% Sep 30, 2026
3 Avantis US Small Cap Value ETF 412.36K 2.09% ▲ 0.36% Sep 30, 2026
4 Fidelity Small Cap Index 218.02K 1.11% ▲ 1.16% Jul 31, 2026
5 State Street® SPDR® S&PRgnllBkgETF 214.70K 1.09% ▲ 3.07% Sep 30, 2026
6 DFA US Small Cap Value I 212.47K 1.08% ▲ 6.86% Aug 31, 2026
7 iShares Russell 2000 Value ETF 193.78K 0.98% ▲ 0.15% Sep 30, 2026
8 DFA US Targeted Value I 127.38K 0.65% ▲ 0.00% Aug 31, 2026
9 Vanguard Russell 2000 ETF 114.38K 0.58% ▲ 0.98% Sep 30, 2026
10 Schwab US Small-Cap ETF™ 102.71K 0.52% ▲ 0.06% Sep 30, 2026

Financial Highlights

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Market Cap: $804.22M
P/E Ratio: $10.13
PEG Ratio: $1.41
Book Value: $31.77
Dividend/Share: $1.26
Dividend Yield: 3.10%
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: $1.01B
Trailing P/E: 10.13
Forward P/E: 11.27

Shares Statistics

Shares Outstanding: 19.71M
Shares Float: 17.33M
% Insiders: 2.59%
% Institutions: 82.15%
Short % Float: 4.14%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
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

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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