40.58 USD
↘ 0.11 (0.27%)AT CLOSE (03:59 PM EDT)
Financial Institutions Inc
FISINASDAQ • USD
40.63
↗ 0.05 (0.12%)
POST MARKET (AS OF 07:31 PM EDT)
Post Market
AS OF 07:31 PM EDT
40.63
↗ 0.05 (0.12%)
Market: CLOSED
Shares of Financial Institutions Inc (FISI) are trading at $40.58. Both sides of the analysis agree: technicals flash "Strong Buy" and fundamentals confirm with a "Buy" reading. Notable factors include a bullish Golden Cross on the moving averages. The stock looks compelling on valuation, with multiples below sector averages across P/E, P/B, and EV/EBITDA.
Technical & fundamental data as of Oct 23, 2026.
Open?$40.34
High?$40.86
Low?$40.26
Prev. Close?$40.69
Volume?88.3K
Avg. Volume?123.5K
VWAP?$40.59
Rel. Volume?0.71x
Bid / Ask
Bid?$16.26 × 200
Ask?$65.00 × 200
Spread?$48.74
Midpoint?$40.63
Valuation & Ratios
Market Cap?799.7M
Shares Out?19.7M
Float?19.2M
Float %?97.6%
P/E Ratio?9.85
P/B Ratio?1.24
EPS?$4.12
Dividend?3.31%
Ex-Dividend?N/A
News
Profile
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
Employees
631
Market Cap
799.7M
Industry
NATIONAL COMMERCIAL BANKS
Website
Listed
1999-06-25
Address
220 LIBERTY STREET
WARSAW, NY 14569
Phone: (585) 786-1100
WARSAW, NY 14569
Phone: (585) 786-1100
Technical OutlookStrong Buy
Strong SellNeutralStrong Buy
Long-Term (Tide)?▲ Bullish(+2/3)
Medium-Term (Wave)?▲ Bullish(+1/3)
Short-Term (Ripple)?▲ Bullish(+2/3)
MA Alignment?Mixed
Full Technical Analysis →Fundamental OutlookBuy
Strong SellNeutralStrong Buy
F-Score?77
Z-Score?50
Momentum?80
Short Sent.?59
Piotroski F-Score?6/9Mixed
Confidence?70%Moderate
Short InterestModerate
Short % of Float?4.14%Low
Short Interest?795.5K
Days to Cover?4.9
Free Float19.2M
Avg Daily Volume161.1K
Settlement Date2026-09-30
Financial Health
Current Ratio?5.55Strong
Quick Ratio?5.55Strong
Cash Ratio?0.33Low
Debt/Equity?0.41Low
ValuationATTRACTIVELY VALUEDvs 10 peers + S&P 500
Score100/100
P/E?9.9CHEAP▾
Peers100
S&P97
P/B?1.24CHEAP▾
Peers45
S&P92
P/S?2.11CHEAP▾
Peers91
S&P64
P/FCF?14.2CHEAP▾
Peers18
S&P77
EV/EBITDA?10.1CHEAP▾
Peers91
S&P81
EV/Sales?2.64CHEAP▾
Peers73
S&P66
Returns & Efficiency
ROE?12.6%STRONG▾
Peers91
S&P46
ROA?1.3%WEAK▾
Peers64
S&P14
Cash Flow & Enterprise
FCF?$56.2M
Enterprise Value?$1.0B
Fundamentals ratios updated end of day