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FISI
$34.49+0.42 (+1.23%)
Market ClosedLast close May 1
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Financial Institutions, Inc. in the Financial Services sector is trading at $34.49. The stock is currently near its 52-week high of $35.67, remaining 16.6% above its 200-day moving average. Technical signals show neutral RSI of 56 and bearish MACD signal, explaining why FISI maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 56) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$34.49
Potential Upside
78.5%
Whystock Fair Value$61.58
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus2 analysts
Buy
Mean target$37.50+8.7%
Range$36.00 – $39.00
Fundamentals
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).
$672.24M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.46
Beta
Defensive asset. Lower volatility than the S&P 500.
0.65
Div Yield
Strong income play. Yield provides a meaningful total return floor.
366.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
-5.56%
Volume
Today's trading volume
56,551
Recent News
How The Investment Narrative Around Financial Institutions (FISI) Is Shifting On Modest Target Upgrades
The updated analyst work for Financial Institutions now points to a fair value target of $37.50 per share, compared with the prior $37.00 level. Bullish and bearish analysts are reading this $0.50 move differently, with some viewing it as validation of their existing frameworks and others seeing it as mostly incremental based on the latest research inputs. As you read on, you will see how to track these shifts and what they might mean for the evolving narrative around the stock. Stay updated...
Financial Institutions Q1 Earnings Call Highlights
Financial Institutions (NASDAQ:FISI) reported improved profitability in the first quarter of 2026, citing net interest margin expansion, disciplined expense management, and continued capital returns to shareholders. President and CEO Marty Birmingham said the company delivered net income available
Financial Institutions Inc (FISI) Q1 2026 Earnings Call Highlights: Strong Profitability Amid ...
Financial Institutions Inc (FISI) reports robust net income and dividend increase, despite modest loan declines and rising credit costs.
Financial Institutions, Inc. Q1 2026 Earnings Call Summary
Moby summary of Financial Institutions, Inc.'s Q1 2026 earnings call
Financial Institutions (FISI) Q1 Earnings Beat Estimates
Financial Institutions (FISI) delivered earnings and revenue surprises of +13.04% and -0.17%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?