Is Financial Institutions, Inc. (FISI) a good stock to buy?

Olyth's institutional analysis of FISI reveals an Altman Z-Score of 0.28 and a Piotroski F-Score of 5/9. These metrics, combined with its 5-year revenue trend ($0.38B most recent), help investors decide if FISI fits their risk profile.

What is the current P/E ratio for FISI?

As of the latest trading session, Financial Institutions, Inc. (FISI) has a trailing P/E ratio of 8.91.

Who is the CEO of Financial Institutions, Inc.?

The current Chief Executive Officer of Financial Institutions, Inc. is Martin K. Birmingham.

What was FISI's revenue for the last 5 years?

According to its latest income statements, Financial Institutions, Inc. reported annual revenues of $0.38B (2025), $0.26B (2024), $0.33B (2023), $0.24B (2022), $0.21B (2021) respectively.

Does FISI pay a dividend?

Financial Institutions, Inc. currently pays a dividend to its shareholders, with a trailing dividend yield of 3.77%.

How much debt and cash flow does FISI have?

In its latest reporting period, Financial Institutions, Inc. generated $0.01B in Free Cash Flow against a total debt load of $0.33B.

What is the Price-to-Book (P/B) ratio of Financial Institutions, Inc.?

The Price-to-Book (P/B) ratio for Financial Institutions, Inc. (FISI) is currently 1.06.

What is the Price-to-Sales (P/S) ratio of FISI?

Based on trailing twelve-month data, Financial Institutions, Inc. (FISI) trades at a Price-to-Sales (P/S) ratio of 1.77.

What is Financial Institutions, Inc.'s Return on Equity (ROE)?

Financial Institutions, Inc. (FISI) has a Return on Equity (ROE) of 12.26%, representing its profitability relative to shareholder equity.

FISI

Financial Institutions, Inc. · Financial Services

33.19

1.28%(+0.42)

Prev. Close

34.84

4.97%(+1.65)

Pre-market

Last Updated: — ET

52W L: $20.9752W H: $35.47

$33.19

CHG+3.49 (+11.77%)

H$33.33

L$29.40

VOL2.2M

FISI (1h)

Company Profile

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.

Sector

Financial Services

Industry

Banks - Regional

Employees

598

IPO Date

1999-06-25

Beta

0.65

Websitewww.fiiwarsaw.com↗

FISI

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