FISI

$30.52

Market ClosedAs of Mar 17, 8:00 PM UTC

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York.

Historical Price

Price (Line)
Synthesizing Whystock Narrative...
Loading Financials...

Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$30.52
Potential Upside
142.5%
Whystock Fair Value$74.00
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

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,...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$614.38M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
8.45
Beta
Defensive asset. Lower volatility than the S&P 500.
0.68
Div Yield
Strong income play. Yield provides a meaningful total return floor.
410.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
12.50%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

Simply Wall St.
Mar 16, 2026

How The Investment Story For Financial Institutions (FISI) Is Evolving With Measured Analyst Revisions

Recent price target changes for Financial Institutions sit against a fair value anchor of about US$37.0. They reflect analyst updates that focus more on fine tuning assumptions than rewriting the core view of the company. These revisions line up with commentary that emphasizes refreshed models and measured adjustments rather than a major shift in conviction. As you read on, you will see how to interpret these evolving targets and fit them into your own view on risk and execution. Stay updated...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Mar 16, 2026

Are You Looking for a High-Growth Dividend Stock?

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? Let's find out.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Mar 4, 2026

Is the Options Market Predicting a Spike in Financial Institutions Stock?

Investors need to pay close attention to FISI stock based on the movements in the options market lately.

BEARISH
Negative press. News cycle fixated on risk factors or misses.
Simply Wall St.
Mar 2, 2026

How The Investment Story For Financial Institutions (FISI) Is Shifting As Valuation Views Converge

Price targets for Financial Institutions have shifted modestly higher, with bullish analysts now discussing potential moves of roughly $2 to $4 per share while the model fair value anchor remains at $37.0. They link these changes to a tighter cluster of views around fair value, where both bullish and bearish voices are working from similar core assumptions but drawing different conclusions about upside and downside. As you read on, you will see how to follow this evolving narrative and how it...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Feb 16, 2026

3 Bank Stocks With Recent Dividend Hikes to Keep on Your Radar

CATY, FISI and CCNE lift dividends despite market volatility, signaling earnings strength and steady cash flow for income-focused investors.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.