Price
No data yet.
Social Signal Score
Analyst Ratings
6 analystsRevenue
$30.56M-19.02%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Martin K. Birmingham
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 631
- Beta
- 0.64
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.24
Financials
Revenue
$30.56M-19.0%Net Income
$21.18M+150.1%EBITDA
$-26.63M-297.3%Free Cash Flow
$21.81M+58.0%EPS (diluted)
$1.05+87.5%Shares Outstanding (diluted)
19.92M+37.4%Operating Expenses
$23.58MCash & Debt
$59.55MReturn of Capital
$6.71MDividend per Share
$0.32Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $377.94M | $74.87M | $3.65 |
| 2024 | $264.17M | $-41.65M | $-2.75 |
| 2023 | $332.59M | $50.26M | $3.17 |
| 2022 | $241.09M | $56.57M | $3.58 |
| 2021 | $212.03M | $77.70M | $4.81 |
| 2020 | $204.37M | $38.33M | $2.30 |
| 2019 | $208.83M | $48.86M | $2.97 |
| 2018 | $188.01M | $39.53M | $2.39 |
| 2017 | $164.73M | $33.53M | $2.13 |
| 2016 | $150.69M | $31.93M | $2.11 |
| 2015 | $135.28M | $28.34M | $1.91 |
| 2014 | $127.63M | $29.36M | $2.01 |
| 2013 | $122.91M | $25.53M | $1.75 |
| 2012 | $121.55M | $23.45M | $1.60 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FISI's reported EPS growth of 6.5% a year over 13 years.
- EPS in 5 years
- $5.10
- Implied price
- $45.93
- Return from $39.63
- 3.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $22.84 — -42.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| -3.5% | -17.0% | -11.3% | -6.7% | -2.9% | 0.4% |
| 1.5% | -12.7% | -6.7% | -1.8% | 2.2% | 5.7% |
| 6.5% | -8.4% | -2.1% | 3.0% | 7.2% | 10.9% |
| 11.5% | -4.1% | 2.5% | 7.8% | 12.2% | 16.1% |
| 16.5% | 0.2% | 7.1% | 12.7% | 17.3% | 21.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+0.00%Social Signal Score
Mentions (7)
- Newszacks.com·7d ago·Positive
Why Financial Institutions (FISI) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?
View source ↗ - Newszacks.com·18d ago·Positive
Financial Institutions (FISI) Upgraded to Buy: Here's Why Financial Institutions (FISI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
View source ↗ - Newszacks.com·24d ago·Positive
Why Financial Institutions (FISI) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?
View source ↗ - Newsglobenewswire.com·40d ago·Neutral
Financial Institutions, Inc. Announces Quarterly Cash Dividend WARSAW, N.Y., Aug. 26, 2026 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced that today its Board of Directors approved a quarterly cash dividend of $0.32 per outstanding common share.
View source ↗ - Newszacks.com·40d ago·Positive
Financial Institutions (FISI) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?
View source ↗ - Newszacks.com·45d ago·Positive
Here's Why Financial Institutions (FISI) is a Great Momentum Stock to Buy Does Financial Institutions (FISI) have what it takes to be a top stock pick for momentum investors? Let's find out.
View source ↗ - Newszacks.com·56d ago·Positive
Financial Institutions (FISI) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Financial Institutions (FISI) have what it takes?
View source ↗
Earnings
Thu, Oct 29(in 3 weeks)
Consensus estimate $1.05 per share
Typical surprise +5.3% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$1.04 vs $0.93beat
- Thu, Apr 23$1.04 vs $0.92beat
- Thu, Jan 29$0.96 vs $0.95beat
- Thu, Oct 23$0.99 vs $0.94beat
- Thu, Jul 24$0.85 vs $0.88miss
- Mon, Apr 28$0.81 vs $0.74beat
Estimates and results for FISI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FISI officers and directors.
- Bought
- $45k
- Sold
- —
2 trades
0 trades
- Zupan Markbought
- Plants William Jack Iibought
98 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Joseph Morellehouse · NY25 · disclosed Dec 9, 2020 (19d later)Sell$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.