Financial Institutions Inc (FISI) stock
Close on Nov 12, 2026Market cap $789.04MP/E 9.9Yield 3.10%
Financial Institutions Inc reported revenue of $255.85M for the twelve months to Sep 30, 2026. Free cash flow was $95.94M, up 366.1% from a year earlier. At the latest close the market valued the company at $789.04M, 9.9 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $789.04M
- P/E ratio
- 9.9
- Price to sales
- 3.08
- Price to book
- 1.27
- Dividend yield
- 3.10%
- Free cash flow yield
- 12.16%
Fundamentals
- Revenue
- $255.85M
- Net income
- $82.14M
- EPS, diluted
- $4.03
- Free cash flow
- $95.94M
- Book value per share
- $31.10
- Diluted shares
- 20M
Trading
- Next earnings
- Jan 28, 2027 (estimated, during market hours)
- Previous close
- $39.90
- Open
- $39.97
- Day's range
- $39.68 – $40.19
- Volume
- 89,884
- Average volume (20 days)
- 116,523
- Index membership
- Russell 2000, Russell 3000
- Beta (5 years)
- 0.74
- 52-week range
- $28.21 – $42.97
- RSI (14 days)
- 49.6
- Volatility (1 year)
- 23.3%
- Relative volume
- 0.43×
- WACC
- 8.1%
Index membership is inferred from the holdings of funds that track each index (IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2010, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FISI | S&P 500 | Difference | FISI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +3.2% | -2.7% | +5.9 pts | ||
| 3 months | -3.6% | -1.7% | −1.9 pts | ||
| Year to date | +32.0% | +11.9% | +20.1 pts | ||
| 1 year | +40.3% | +12.0% | +28.3 pts | ||
| 3 years | +183.8% | +78.2% | +105.6 pts | +41.6% | +21.2% |
| 5 years | +54.1% | +73.2% | −19.1 pts | +9.0% | +11.6% |
| 10 years | +108.1% | +309.6% | −201.6 pts | +7.6% | +15.1% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
EPS, diluted
Free cash flow
Press releases
Releases Financial Institutions filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Update
- Results
- Update
- Results
- Update
About Financial Institutions
National Commercial Banks
The Company operates as a financial holding company through two principal operating subsidiaries: Five Star Bank and Courier Capital LLC. The banking subsidiary provides consumer, commercial, and municipal financial services, offering deposit accounts such as checking, savings, and certificates of deposit, alongside lending products including commercial mortgages, business lines of credit, residential mortgages, and indirect automobile loans. Its investment advisory subsidiary delivers customized investment management, wealth management, investment consulting, and retirement plan services. Core clients comprise individuals, small- to medium-sized commercial enterprises, municipalities, community organizations, institutions, and foundations.
Company profile, executives and historyFinancial Institutions stock: common questions
What is Financial Institutions's stock price?
FISI closed at $40.04 on Nov 12, 2026, up 0.35% on the day. Over the past 52 weeks it traded between $28.21 and $42.97.
What is Financial Institutions's market cap?
Financial Institutions was worth $789.04M at the close on Nov 12, 2026: the share price times the diluted shares outstanding.
What is FISI's P/E ratio?
FISI trades at 9.9 times earnings, based on diluted earnings per share of $4.03 over the twelve months to Sep 30, 2026.
How much revenue does Financial Institutions make?
Financial Institutions reported revenue of $255.85M for the twelve months to Sep 30, 2026.
Does Financial Institutions pay a dividend?
Yes. Financial Institutions paid $1.24 per share over the last twelve months, a yield of 3.10% at the latest price.
When does Financial Institutions report earnings next?
Financial Institutions is expected to report Q4 FY2026 results on Jan 28, 2027, during market hours. The date is estimated from its past reporting pattern until the company confirms it.
How has FISI stock performed over the past year?
Including dividends, FISI returned +40.3% over the past year, against +12.0% for the S&P 500.
Who are Financial Institutions's competitors?
Companies most similar to Financial Institutions by business, industry and size include FULT, PFIS, CHCO, CARE, BFC.
See a number that looks wrong?