Stock Scorecard
Stock Summary for Financial Institutions Inc (FISI) - $41.89 as of 8/14/2026 2:55:40 PM EST
Total Score
17 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for FISI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FISI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FISI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FISI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FISI (61 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FISI
Financial Details for FISI
Company Overview |
|
|---|---|
| Ticker | FISI |
| Company Name | Financial Institutions Inc |
| Country | USA |
| Description | Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 10/22/2026 |
Stock Price History |
|
| Last Day Price | 41.89 |
| Price 4 Years Ago | 20.27 |
| Last Day Price Updated | 8/14/2026 2:55:40 PM EST |
| Last Day Volume | 89,640 |
| Average Daily Volume | 146,651 |
| 52-Week High | 42.97 |
| 52-Week Low | 24.65 |
| Last Price to 52 Week Low | 69.94% |
Valuation Measures |
|
| Trailing PE | 10.39 |
| Industry PE | 24.26 |
| Sector PE | 24.75 |
| 5-Year Average PE | 9.42 |
| Free Cash Flow Ratio | 13.87 |
| Industry Free Cash Flow Ratio | 10.76 |
| Sector Free Cash Flow Ratio | 85.79 |
| Current Ratio Most Recent Quarter | 0.47 |
| Total Cash Per Share | 3.02 |
| Book Value Per Share Most Recent Quarter | 31.77 |
| Price to Book Ratio | 1.30 |
| Industry Price to Book Ratio | 1.28 |
| Sector Price to Book Ratio | 1.94 |
| Price to Sales Ratio Twelve Trailing Months | 3.39 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.59 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.49 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 19,706,400 |
| Market Capitalization | 825,501,096 |
| Institutional Ownership | 85.76% |
Dividends |
|
| Ex-Dividend Date | 6/12/2026 |
| Previous Dividend Amount | 0.3200 |
| Current Dividend Amount | 0.3200 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.26 |
| Trailing Annual Dividend Yield | 3.01% |
| Forward Annual Dividend Rate | 1.28 |
| Forward Annual Dividend Yield | 3.06% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 3.23% |
| 3-Year Dividend Growth Rate Percentage | 1.60% |
| 5-Year Dividend Growth Rate Percentage | 2.49% |
| All-Time Dividend Growth Rate Percentage | 4.43% |
| Dividend Payout Ratio | 31.27% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 22.40% |
| Annual Earnings Growth | 279.77% |
| Reported EPS 12 Trailing Months | 4.03 |
| Reported EPS Past Year | 2.08 |
| Reported EPS Prior Year | 3.61 |
| Net Income Twelve Trailing Months | 82,626,000 |
| Net Income Past Year | 74,867,000 |
| Net Income Prior Year | -41,646,000 |
| Quarterly Revenue Growth YOY | 7.00% |
| 5-Year Revenue Growth | 13.08% |
| Operating Margin Twelve Trailing Months | 43.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 59,552,000 |
| Total Cash Past Year | 108,751,000 |
| Total Cash Prior Year | 87,321,000 |
| Net Cash Position Most Recent Quarter | -19,142,000 |
| Net Cash Position Past Year | -84,902,000 |
| Long Term Debt Past Year | 193,653,000 |
| Long Term Debt Prior Year | 124,842,000 |
| Total Debt Most Recent Quarter | 78,694,000 |
| Equity to Debt Ratio Past Year | 0.76 |
| Equity to Debt Ratio Most Recent Quarter | 0.89 |
| Total Stockholder Equity Past Year | 628,854,000 |
| Total Stockholder Equity Prior Year | 568,984,000 |
| Total Stockholder Equity Most Recent Quarter | 643,441,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 51,413,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.61 |
| Free Cash Flow Past Year | 13,254,000 |
| Free Cash Flow Prior Year | 72,153,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.90 |
| MACD Signal | 0.96 |
| 20-Day Bollinger Lower Band | 31.12 |
| 20-Day Bollinger Middle Band | 37.08 |
| 20-Day Bollinger Upper Band | 43.04 |
| Beta | 0.64 |
| RSI | 62.47 |
| 50-Day SMA | 32.34 |
| 150-Day SMA | 24.80 |
| 200-Day SMA | 22.93 |
System |
|
| Modified | 8/14/2026 10:57:06 PM EST |