FISI
Financial Institutions, Inc. NASDAQ Listed Jun 25, 1999$35.37
Mkt Cap $696.3M
52w Low $24.41
97.3% of range
52w High $35.67
50d MA $32.59
200d MA $30.14
P/E (TTM)
9.4x
EV/EBITDA
9.3x
P/B
1.1x
Debt/Equity
0.5x
ROE
11.9%
P/FCF
46.1x
RSI (14)
—
ATR (14)
—
Beta
0.65
50d MA
$32.59
200d MA
$30.14
Avg Volume
154.4K
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
220 Liberty Street · Warsaw, NY 14569 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 23, 2026 | AMC | 0.92 | 1.04 | +13.0% | 34.15 | -1.7% | -1.3% | +2.5% | +1.3% | -2.8% | +0.1% | — |
| Jan 29, 2026 | AMC | 0.95 | 0.96 | +1.1% | 32.93 | +0.0% | +0.0% | +3.1% | +0.9% | +1.5% | +0.1% | — |
| Oct 23, 2025 | AMC | 0.94 | 0.99 | +5.3% | 26.48 | +5.3% | +9.3% | +1.7% | +0.0% | -1.8% | -0.9% | — |
| Jul 24, 2025 | AMC | 0.88 | 0.85 | -3.4% | 26.32 | +0.0% | -1.0% | +1.5% | -2.1% | -1.4% | -0.3% | — |
| Apr 28, 2025 | AMC | 0.74 | 0.81 | +9.5% | 24.06 | +5.8% | +5.8% | -0.2% | +0.6% | +2.6% | -0.2% | — |
| Jan 30, 2025 | AMC | 0.74 | 0.54 | -27.0% | 27.16 | -3.4% | -2.9% | +1.3% | +3.4% | +0.9% | +1.6% | — |
| Oct 24, 2024 | AMC | 0.76 | 0.84 | +10.5% | 24.98 | -0.8% | -3.9% | +2.2% | -0.2% | -0.0% | -1.9% | — |
| Jul 25, 2024 | AMC | 2.01 | 1.62 | -19.4% | 24.63 | +2.9% | +4.8% | -3.4% | +10.7% | -4.6% | -4.5% | — |
| Apr 25, 2024 | AMC | 0.59 | 0.11 | -81.4% | 17.42 | -1.2% | +1.0% | -0.7% | -1.4% | +1.2% | +2.3% | — |
| Jan 29, 2024 | AMC | 0.71 | 0.84 | +18.3% | 21.64 | -0.9% | -0.1% | -3.3% | -3.3% | -2.0% | -1.5% | — |
| Oct 26, 2023 | AMC | 0.83 | 0.88 | +6.0% | 15.98 | +0.8% | -2.7% | +3.8% | -1.9% | +0.7% | +4.1% | — |
| Jul 27, 2023 | AMC | 0.75 | 0.91 | +21.3% | 18.02 | +2.2% | +9.0% | -2.4% | -1.0% | +2.4% | +1.3% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Feb 2 | Piper Sandler | Maintains | Neutral → Neutral | — | $32.94 | $33.22 | +0.8% | +3.1% | +0.9% | +1.5% | +0.1% | +1.0% |
| Feb 2 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $32.94 | $33.22 | +0.8% | +3.1% | +0.9% | +1.5% | +0.1% | +1.0% |
| Oct 27 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $28.95 | $29.39 | +1.5% | +1.7% | +0.0% | -1.8% | -0.9% | -0.8% |
| Mar 11 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $25.94 | $27.12 | +4.5% | -0.3% | +1.5% | -1.0% | +0.2% | -0.8% |
| Feb 3 | Keefe, Bruyette & Woods | Upgrade | Market Perform → Outperform | — | $26.37 | $26.37 | +0.0% | +1.3% | +3.4% | +0.9% | +1.6% | -1.4% |
| Jan 31 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $27.16 | $26.25 | -3.4% | -2.9% | +1.3% | +3.4% | +0.9% | +1.6% |
| Dec 4 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $26.71 | $26.57 | -0.5% | +0.8% | -0.8% | +0.1% | -0.3% | +0.3% |
| Jul 29 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $25.80 | $25.48 | -1.2% | -3.4% | +10.7% | -4.6% | -4.5% | -4.3% |
| Apr 5 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $17.95 | $17.81 | -0.8% | -0.6% | -0.3% | +0.7% | -6.2% | +0.4% |
| Apr 2 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $18.30 | $18.25 | -0.3% | -1.6% | -0.1% | -0.2% | -0.6% | -0.3% |
| Mar 25 | Piper Sandler | Downgrade | Overweight → Neutral | — | $18.40 | $18.05 | -1.9% | -1.1% | -0.4% | +2.9% | +1.0% | -2.8% |
| May 1 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $17.48 | $17.62 | +0.8% | -0.7% | -6.8% | -4.1% | -2.7% | +6.5% |
| Oct 31 | Hovde Group | Downgrade | Outperform → Perform | — | $25.55 | $24.55 | -3.9% | -6.7% | -0.1% | -1.9% | -1.7% | +4.4% |
| Oct 31 | Hovde Group | Downgrade | Outperform → Market Perform | — | $25.55 | $24.55 | -3.9% | -6.7% | -0.1% | -1.9% | -1.7% | +4.4% |
| Sep 28 | Piper Sandler | Maintains | Overweight → Overweight | — | $14.93 | $15.19 | +1.7% | +3.9% | -0.5% | -0.2% | +0.3% | +3.6% |
| Jul 31 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $15.03 | $14.84 | -1.3% | -1.7% | +3.5% | +0.4% | +2.5% | +0.5% |
| Jul 28 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $27.01 | $26.86 | -0.6% | -0.2% | -0.2% | -1.0% | -1.2% | +0.3% |
| Jul 28 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $27.01 | $26.86 | -0.6% | -0.2% | -0.2% | -1.0% | -1.2% | +0.3% |
| Apr 27 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $23.73 | $23.85 | +0.5% | +1.2% | +1.2% | -0.5% | -2.6% | -0.9% |
| Apr 27 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $23.73 | $23.85 | +0.5% | +1.2% | +1.2% | -0.5% | -2.6% | -0.9% |
| Feb 3 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $22.40 | $22.45 | +0.2% | +1.1% | -1.1% | +1.1% | +0.6% | -1.0% |
| Feb 3 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $22.40 | $22.45 | +0.2% | +1.1% | -1.1% | +1.1% | +0.6% | -1.0% |
| Oct 28 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $23.88 | $23.99 | +0.5% | +2.0% | +0.0% | +2.3% | +0.8% | -1.3% |
| Oct 28 | Keefe Bruyette & Woods | Maintains | Outperform → Outperform | — | $23.88 | $23.99 | +0.5% | +2.0% | +0.0% | +2.3% | +0.8% | -1.3% |
| Sep 25 | Sterne Agee | Maintains | Buy → Buy | — | $19.20 | $19.55 | +1.8% | +3.7% | +4.0% | +0.4% | -1.5% | +0.5% |
No insider trades available.
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8-K · 1.01
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8-K · 1.01
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SiteOne Landscape Supply, Inc. -- 8-K 1.01: Financing / Debt Agreement
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8-K · 5.02
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Indaptus Therapeutics, Inc. -- 8-K 5.02: Executive Change
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8-K · 5.02
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Solana Company -- 8-K 5.02: Executive Change
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Apr 24
8-K · 1.01
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Peoples Bancorp Inc/OH -- 8-K 1.01: Merger Agreement
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Apr 24
8-K · 1.01
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Universal Health Services, Inc. Class B -- 8-K 1.01: Financing / Debt Agreement
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Apr 24
8-K · 7.01
! Medium
Financial Institutions Inc -- 8-K 7.01: Regulation FD Disclosure
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Apr 23
8-K · 7.01
! Medium
Federal Home Loan Bank of Topeka -- 8-K 7.01: Regulation FD Disclosure
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Apr 23
8-K · 1.01
!! High
Green Plains, Inc. -- 8-K 1.01: Material Agreement
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Apr 23
8-K · 7.01
! Medium
First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E -- 8-K 7.01: Regulation FD Disclosure
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Apr 23
8-K · 5.02
!!! Very High
Indaptus Therapeutics, Inc. -- 8-K 5.02: Executive Change
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Apr 23
8-K · 8.01
!! High
CB Financial Services, Inc. (PA) -- 8-K 8.01: Material Event / Announcement
CB Financial Services declared a $0.28 per share cash dividend payable May 29, 2026, to shareholders of record May 15, 2026, demonstrating continued capital returns to investors.
Apr 22
8-K
First Community Corp -- 8-K Filing
First Community Corp (FCCO) cautioned investors that its forward-looking statements carry significant uncertainty and actual results may materially differ from projections.
Apr 22
8-K
Fidelity D & D Bancorp, Inc. -- 8-K Filing
Fidelity D & D Bancorp disclosed officer contact information for its President/CEO and Treasurer/CFO in an 8-K filing, indicating routine corporate governance documentation updates.
Apr 22
8-K · 7.01
! Medium
Federal Agricultural Mortgage Corporation -- 8-K 7.01: Regulation FD Disclosure
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Apr 21
8-K
CVB Financial Corp -- 8-K Filing
CVB Financial completed its merger with Heritage, issuing approximately 41 million shares to Heritage shareholders, diluting existing CVBF investors' ownership stakes.
Apr 21
8-K · 8.01
!! High
Newmark Group, Inc. -- 8-K 8.01: Material Event / Announcement
I cannot provide a meaningful analysis because the filing summary contains no substantive information about any material event or deal outcome for Newmark Group investors.
Apr 21
8-K · 7.01
! Medium
ServisFirst Bancshares Inc. -- 8-K 7.01: Regulation FD Disclosure
ServisFirst Bancshares disclosed Q1 2026 earnings results through an investor call, providing supplemental financial data that offers transparency into the bank's operational performance and guides investor valuation assessments.
Apr 20
8-K · 1.01
! Medium
ExchangeRight Income Fund -- 8-K 1.01: Financing / Debt Agreement
ExchangeRight Income Fund refinanced its credit facility through an amended and restated agreement, potentially improving terms or extending maturity to support continued operations and distributions.
Apr 20
8-K · 1.01
! Medium
California Resources Corporation -- 8-K 1.01: Financing / Debt Agreement
California Resources Corporation secured financing through an agreement with Approved Co., potentially strengthening its liquidity position and financial flexibility for operations and strategic initiatives.
Apr 17
8-K · 5.02
!!! Very High
Unknown — 8-K 5.02: Executive Change
A leadership transition at the company's 2027 shareholder meeting could signal management restructuring, potentially affecting strategic direction and investor confidence depending on replacement candidate quality.
Apr 16
8-K · 1.01
! Medium
Unknown — 8-K 1.01: Financing / Debt Agreement
This 8-K signals a new debt or financing agreement that could affect capital structure, cash flow obligations, and financial flexibility, warranting investor review of terms, covenants, and interest rates.
Apr 16
— 8-K filing (ETON, FISI)
Apr 15
— 8-K filing (ECL, FISI)
Apr 15
8-K
Unknown — 8-K Filing
FISI and FRT secured favorable refinancing terms with SOFR-based pricing, potentially reducing borrowing costs and improving financial flexibility compared to previous debt structures.
Apr 15
8-K
Unknown — 8-K Filing
FISI and HIVE are implementing capped call strategies to minimize shareholder dilution from convertible note exchanges, protecting existing shareholders from excessive stock issuance while managing potential cash obligations.
Apr 15
8-K · 1.01
! Medium
Unknown — 8-K 1.01: Financing / Debt Agreement
Teton Energy obtained $11.8M in debt financing, increasing financial flexibility for operations but adding leverage that could pressure future cash flows and dilute shareholder equity if not deployed profitably.
Apr 15
8-K · 7.01
! Medium
Unknown — 8-K 7.01: Regulation FD Disclosure
Moody's Analytics' new CEO signals strategic focus on AI and connected intelligence platforms, positioning the $3.6B division as a core growth driver that could meaningfully expand MCO's higher-margin software revenue.
Apr 15
8-K · 8.01
!! High
Unknown — 8-K 8.01: Material Event / Announcement
OceanFirst Bank's 8-K announcement signals a material corporate event that investors should monitor for potential impacts on earnings, capital structure, or strategic direction—details matter for valuing this regional bank's growth prospects.
Apr 15
8-K · 7.01
! Medium
Unknown — 8-K 7.01: Regulation FD Disclosure
FHN and FISI disclosed non-GAAP financial metrics and forward guidance, signaling management confidence in future performance, though investors should scrutinize non-GAAP adjustments to understand true earnings quality.
Apr 15
8-K
Unknown — 8-K Filing
Leadership transition at First Commonwealth Financial Corporation strengthens executive bench with seasoned fintech expertise, signaling management continuity and potentially improved technology strategy execution.
Apr 15
8-K · 1.01
! Medium
Unknown — 8-K 1.01: Financing / Debt Agreement
Ecolab's new credit agreement provides financing flexibility, but the standard legal disclaimers mean investors shouldn't view covenant details as reflecting actual operational health—focus on separate earnings reports instead.
Apr 15
— 8-K filing (ECL, FISI)
Apr 15
8-K · 8.01
!! High
Unknown — 8-K 8.01: Material Event / Announcement
TeraWulf's $250 million credit facility strengthens its liquidity and financial flexibility for bitcoin mining operations, supporting growth capex while reducing refinancing risk.
Apr 14
8-K · 8.01
!! High
Unknown — 8-K 8.01: Material Event / Announcement
Brookfield Asset Management increased debt maturity by issuing an additional $450 million in 2036 notes, extending the company's refinancing runway and reducing near-term capital needs.
Apr 14
8-K · 7.01
! Medium
Unknown — 8-K 7.01: Regulation FD Disclosure
The company disclosed forward-looking statements about profitability, liquidity, and growth strategy, signaling management confidence in their strategic direction, though investors should monitor execution against these goals.
Apr 14
8-K · 1.01
! Medium
Unknown — 8-K 1.01: Financing / Debt Agreement
The $300 million credit agreement amendment likely reflects refinancing or modified terms to improve financial flexibility, signaling management confidence in operations while investors should monitor any covenant changes or rate adjustments affecting future profitability.
Apr 13
8-K
Unknown — 8-K Filing
I cannot provide a meaningful analysis because the filing summary is incomplete and lacks specific details about which company, what amendments were made, or their financial implications on operations or obligations.
Apr 10
8-K · 1.01
! Medium
Unknown — 8-K 1.01: Financing / Debt Agreement
Insufficient data provided to analyze the financing agreement's impact; a complete 8-K filing with deal terms, interest rates, and covenants is needed to assess debt implications for CXW and FISI shareholders.
Apr 10
8-K · 7.01
! Medium
Unknown — 8-K 7.01: Regulation FD Disclosure
I need more information from the 8-K filing to provide meaningful analysis. Could you share the specific disclosure details, financial metrics, or announcements made under the Regulation FD section?
Apr 9
Data updated apr 25, 2026 9:11am
· Source: massive.com