What is FISI's P/E ratio?

FINANCIAL INSTITUTIONS INC (FISI) currently trades at a P/E ratio of 9.83.

FINANCIAL INSTITUTIONS INC reports a Return on Equity (ROE) of 6.78%.

What is FISI's dividend yield?

FINANCIAL INSTITUTIONS INC offers a dividend yield of 3.05%.

What is FISI's Quality Score?

Our AI rates FISI's overall financial quality at 23 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy FISI?

Our AI Timing Score for FISI is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does FISI belong to?

FINANCIAL INSTITUTIONS INC is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

FISI (NASDAQ) Stock Analysis | FINANCIAL INSTITUTIONS INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-06-30)

FISI AI Analysis Summary

Our AI summary for FISI: FINANCIAL INSTITUTIONS INC (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 9.83, ROE of 6.78%, a dividend yield of 3.05%. Its financial Quality Score stands at 23/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

FISI

FINANCIAL INSTITUTIONS INC

USD 41.46

0.20 (0.48%) Day Change

Watchlist Portfolio Compare Chart

9.83

P/E

0.15

D/E

6.8%

ROE

1.4%

ROA

3.05%

Div Yield

-0.07

PEG

Data partially updated

FINANCIAL INSTITUTIONS INC
TYPE: STOCK
MARKET: NASDAQ

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USD 41.46 Price 0.20 (0.48%) Day Change	NEWS SCORE: 98

FISI, the overall quality is not good ( Quality = 23) but the timing to buy is ...(Sign In to See)...

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23 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
ROE is decreasing significantly
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not quite good , financial health is not quite good , and ability to make profit is very good , ...

Quality Factors

50%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	98
Magic Formula Rank by ROA	1699
Magic Formula Rank by ROE	1699
Magic Formula Rank by ROIC	1942
Price	41.46
PBV / Sector	0.67 / 1.42 GREAT
Earning Per Share	4.22

PE / Sector	9.83 / 13.75 GREAT
PEG or PE/Growth / Sector	-0.07 / 0.61
Average 1M Daily Value	5.88 M GREAT
Average 1W Daily Value	7.24 M

Timing Factors

57%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

50%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

81%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	26.18 / 20.62 GREAT
NPM Average (%) / Sector	31.58 / 19,963.58 GREAT
NPM Change Average (%) / Sector	8.84 / -8.42
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	1.44 / 1,268.52
ROA Average (%) / Sector	0.75 / 254.57
ROA Change Average (%) / Sector	-113.70 / 44,002.31
ROE (%) / Sector	6.78 / 2,865.19
ROE Average (%) / Sector	7.27 / 581.17
ROE Change Average (%) / Sector	-123.18 / 7,372.49
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

54%

Dividend (%) / Sector	3.05 / 2.41 GOOD
Dividend Average (%) / Sector	4.74 / 46.24 GOOD
Dividend Change Average (%) / Sector	-13.23 / -0.26

Registration Details

Analyze Date	2026-08-01 07:59:50
Symbol	FISI
Name	FINANCIAL INSTITUTIONS INC
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	19.69 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	812.26 / 6,970.30

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 220 Liberty Street, Warsaw, NY, United States, 14569

Phone: 585 786 1100

Website: https://www.five-starbank.com

Employees: 631

Sector: Financial Services >> Banks - Regional

Description: 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 including 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, personal loans, and deposit account collateralized loans. In addition, it offers 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.