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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 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; 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, and deposit account collateralized loans. 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York. more
| Time Frame | FISI | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -1.17% | 1.74% | 0.74% |
| 1-Month Return | 6.62% | -1.15% | 1.28% |
| 3-Month Return | 17.77% | 2% | 3.6% |
| 6-Month Return | 30.3% | -0.02% | 7.31% |
| 1-Year Return | 13.63% | 0.77% | 11.97% |
| 3-Year Return | 34.04% | 47.56% | 72.07% |
| 5-Year Return | 25.59% | 62.26% | 76.01% |
| 10-Year Return | 24.06% | 208.57% | 258.47% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 212.03M | 241.09M | 48.24M | 264.17M | 377.94M | [{"date":"2021-12-31","value":56.1,"profit":true},{"date":"2022-12-31","value":63.79,"profit":true},{"date":"2023-12-31","value":12.76,"profit":true},{"date":"2024-12-31","value":69.9,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 4.14M | 42.84M | 283.00M | 176.13M | 144.63M | [{"date":"2021-12-31","value":1.46,"profit":true},{"date":"2022-12-31","value":15.14,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":62.24,"profit":true},{"date":"2025-12-31","value":51.11,"profit":true}] |
| Gross Profit | 207.89M | 198.25M | 48.24M | 88.03M | 233.31M | [{"date":"2021-12-31","value":89.1,"profit":true},{"date":"2022-12-31","value":84.97,"profit":true},{"date":"2023-12-31","value":20.68,"profit":true},{"date":"2024-12-31","value":37.73,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Margin | 98.05% | 82.23% | 100.00% | 33.33% | 61.73% | [{"date":"2021-12-31","value":98.05,"profit":true},{"date":"2022-12-31","value":82.23,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":33.33,"profit":true},{"date":"2025-12-31","value":61.73,"profit":true}] |
| Operating Expenses | 110.67M | 127.28M | 1.93M | 156.18M | 141.96M | [{"date":"2021-12-31","value":70.86,"profit":true},{"date":"2022-12-31","value":81.49,"profit":true},{"date":"2023-12-31","value":1.23,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":90.89,"profit":true}] |
| Operating Income | 97.22M | 70.97M | 63.05M | (68.15M) | 91.35M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":73,"profit":true},{"date":"2023-12-31","value":64.85,"profit":true},{"date":"2024-12-31","value":-70.1,"profit":false},{"date":"2025-12-31","value":93.96,"profit":true}] |
| Total Non-Operating Income/Expense | 141.65M | 150.25M | 232.03M | (216.22M) | - | [{"date":"2021-12-31","value":61.05,"profit":true},{"date":"2022-12-31","value":64.75,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-93.18,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 97.22M | 70.97M | 63.05M | (68.15M) | 91.35M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":73,"profit":true},{"date":"2023-12-31","value":64.85,"profit":true},{"date":"2024-12-31","value":-70.1,"profit":false},{"date":"2025-12-31","value":93.96,"profit":true}] |
| Income Taxes | 19.52M | 14.40M | 12.79M | (26.50M) | 16.49M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":73.74,"profit":true},{"date":"2023-12-31","value":65.5,"profit":true},{"date":"2024-12-31","value":-135.73,"profit":false},{"date":"2025-12-31","value":84.44,"profit":true}] |
| Income After Taxes | 77.70M | 56.57M | 50.26M | (41.65M) | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":64.69,"profit":true},{"date":"2024-12-31","value":-53.6,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 77.70M | 56.57M | 52.57M | (41.65M) | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":67.66,"profit":true},{"date":"2024-12-31","value":-53.6,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 77.70M | 56.57M | 50.26M | (41.65M) | 74.87M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":64.69,"profit":true},{"date":"2024-12-31","value":-53.6,"profit":false},{"date":"2025-12-31","value":96.36,"profit":true}] |
| EPS (Diluted) | 4.78 | 3.56 | 3.39 | 3.11 | 3.61 | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":74.48,"profit":true},{"date":"2023-12-31","value":70.92,"profit":true},{"date":"2024-12-31","value":65.06,"profit":true},{"date":"2025-12-31","value":75.52,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| FISI | |
|---|---|
| Cash Ratio | 11.54 |
| Current Ratio | 11.54 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| FISI | |
|---|---|
| ROA (LTM) | 1.21% |
| ROE (LTM) | 12.50% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| FISI | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.79 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.21 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| FISI | |
|---|---|
| Trailing PE | 9.37 |
| Forward PE | NM |
| P/S (TTM) | 2.92 |
| P/B | 1.06 |
| EV/R | 3.20 |
| EV/Ebitda | NM |
| PEG | 1.91 |
Financial Institutions Inc (FISI) share price today is $33.67
Yes, Indians can buy shares of Financial Institutions Inc (FISI) on Vested. To buy
Yes, you can purchase fractional shares of Financial Institutions Inc (FISI) via the Vested app. You can start investing in Financial Institutions Inc (FISI) with a minimum investment of $1.
You can invest in shares of Financial Institutions Inc (FISI) via Vested in three simple steps:
The 52-week high price of Financial Institutions Inc (FISI) is $35.47. The 52-week low price of Financial Institutions Inc (FISI) is $20.29.
The price-to-earnings (P/E) ratio of Financial Institutions Inc (FISI) is 9.3684
The price-to-book (P/B) ratio of Financial Institutions Inc (FISI) is 1.06
The dividend yield of Financial Institutions Inc (FISI) is 3.57%
The market capitalization of Financial Institutions Inc (FISI) is $669.53M
The stock symbol (or ticker) of Financial Institutions Inc is FISI
Consider the share price of Financial Institutions Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Financial Institutions Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Financial Institutions Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Financial Institutions Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Financial Institutions Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Financial Institutions Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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