41.05 USD
↗ 0.43 (1.06%)LIVE (AS OF 11:34 AM EDT)
Financial Institutions Inc
FISINASDAQ • USD
Market: OPEN
Shares of Financial Institutions Inc (FISI) are trading at $41.05. 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 and bullish moving average alignment. The stock looks compelling on valuation, with multiples below sector averages across P/E, P/B, and EV/EBITDA.
Technical & fundamental data as of Jul 24, 2026.
Open?$41.08
High?$41.24
Low?$40.61
Prev. Close?$40.62
Volume?23.0K
Avg. Volume?201.4K
VWAP?$40.93
Rel. Volume?0.11x
Bid / Ask
Bid?$41.00 × 100
Ask?$47.20 × 100
Spread?$6.20
Midpoint?$44.10
Valuation & Ratios
Market Cap?799.7M
Shares Out?19.7M
Float?19.2M
Float %?97.6%
P/E Ratio?10.32
P/B Ratio?1.27
EPS?$3.94
Dividend?3.30%
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(+3/3)
MA Alignment?Golden Alignment
Full Technical Analysis →Fundamental OutlookBuy
Strong SellNeutralStrong Buy
F-Score?77
Z-Score?50
Momentum?94
Short Sent.?52
Piotroski F-Score?6/9Mixed
Confidence?65%Moderate
Short InterestModerate
Short % of Float?2.82%Low
Short Interest?542.0K
Days to Cover?3.8
Free Float19.2M
Avg Daily Volume141.8K
Settlement Date2026-07-15
Financial Health
Current Ratio?9.55Strong
Quick Ratio?9.55Strong
Cash Ratio?0.49Low
Debt/Equity?0.30Low
ValuationATTRACTIVELY VALUEDvs 10 peers + S&P 500
Score94/100
P/E?10.3CHEAP▾
Peers100
S&P97
P/B?1.27CHEAP▾
Peers55
S&P92
P/S?2.11CHEAP▾
Peers91
S&P64
P/FCF?29.5FAIR▾
Peers20
S&P30
EV/EBITDA?9.8CHEAP▾
Peers82
S&P82
EV/Sales?2.47CHEAP▾
Peers91
S&P68
Returns & Efficiency
ROE?12.3%STRONG▾
Peers82
S&P44
ROA?1.2%WEAK▾
Peers55
S&P14
Cash Flow & Enterprise
FCF?$27.1M
Enterprise Value?$936.0M
Fundamentals ratios updated end of day