FISI Stock Forecast, Price Targets, Chart, Dividends & Analysis
Financial Institutions Inc.
FISI 
NGS
Sector: Financial Services
Industry: Banks - Regional - US
23.96
USD
0.29
(1.23%)
Previous close: 23.67 Open: 24.37 Bid: 20.02 Ask: 35.0
52 week range
16.81 29.79
Mkt Cap: 468 M Avg Vol (90 Days): 192,795
Last updated: Friday 25th April 2025
Metrics
Valuation
Returns
7 Day Return | 7.20% | |
1 Month Return | -7.63% | |
3 Month Return | -11.52% | |
1 Year Return | 40.34% | |
3 Year Return | -4.40% | |
5 Year Return | 67.55% | |
YTD Return | -12.20% |
Risk
Dividends
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 51.43 |
14 Day SMA ($) | 22.49 |
14 Day EMA ($) | 23.13 |
Money Flow Index | 57.72 |
Average True Range | 1.12 |
50 Day SMA ($) | 25.56 |
200 Day SMA ($) | 25.63 |
ADX | 20.89 |
MACD | -0.11 |
Growth
Profitability
Peers
| Stock | Dividend | Market Cap (B) | PE | Price ($) |
|---|
Financials
FISI Income Statement
Annual
| Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | Dec-24 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M |
| AcquiredInProcessRnD | -27000.0 | |||||||||
| Amortization of intangibles | -1 M | -1 M | -1 M | 1 M | 1 M | 1 M | 986000.0 | 910000.0 | -9 M | |
| Basic EPS from continuing operations | 1.91 | 2.11 | 2.13 | 2.39 | 2.97 | 2.3 | 4.81 | 3.58 | 3.17 | -2.75 |
| Basic EPS total | 1.91 | 2.11 | 2.13 | 2.39 | 2.97 | 2.3 | 4.81 | 3.58 | 3.17 | -2.75 |
| Basic weighted shares outstanding | 14 M | 14 M | 15 M | 16 M | 16 M | 16 M | 16 M | 15 M | 15 M | 16 M |
| CreditCard | 29000.0 | 441000.0 | ||||||||
| CreditLossesProvision | 7 M | 10 M | 13 M | 9 M | 8 M | 27 M | 14 M | 6 M | ||
| Depreciation | -5 M | -6 M | -6 M | -6 M | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M |
| Depreciation unreconciled | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 986000.0 | 910000.0 | 552000.0 | |
| DepreciationAndAmortization | -5 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 986000.0 | 910000.0 | 552000.0 |
| Diluted EPS total | 1.9 | 2.1 | 2.13 | 2.39 | 2.96 | 2.3 | 4.78 | 3.56 | 3.15 | -2.75 |
| Diluted normalized net income/share | 1.9 | 2.1 | 2.13 | 2.39 | 2.96 | 2.3 | 4.78 | 3.56 | 3.15 | -2.75 |
| Diluted weighted shares outstanding | 14 M | 14 M | 15 M | 16 M | 16 M | 16 M | 16 M | 15 M | 15 M | 16 M |
| DividendIncome | 29000.0 | |||||||||
| Dividends paid per share | 0.8 | 0.81 | 0.85 | 0.96 | 1.0 | 1.04 | 1.08 | 1.16 | 1.2 | 1.2 |
| FeesAndCommissions | 10 M | 13 M | 6 M | 8 M | 9 M | 9 M | 12 M | 11 M | 11 M | 11 M |
| GainOnSaleOfBusiness | 14 M | |||||||||
| GeneralAndAdministrativeExpense | 12 M | 10 M | 10 M | 11 M | 3 M | 4 M | 4 M | 4 M | 7 M | 7 M |
| ImpairmentOfCapitalAssets | 751000.0 | 2 M | 2 M | |||||||
| Income before tax | 39 M | 44 M | 43 M | 50 M | 59 M | 46 M | 97 M | 71 M | 63 M | -68 M |
| Income restructuring and M&A | 1 M | 111000.0 | 2 M | 114000.0 | 35000.0 | |||||
| Income taxes | 12 M | 14 M | 12 M | 12 M | 11 M | 7 M | 20 M | 14 M | 13 M | -27 M |
| IncomefromAssociatesandOtherParticipatingInterests | 37000.0 | 441000.0 | ||||||||
| InsuranceAndClaims | 10 M | 8 M | 8 M | 9 M | 1 M | 2 M | 3 M | 2 M | 5 M | 5 M |
| InsuranceAndPremiums | 5 M | 5 M | 5 M | 5 M | 5 M | 4 M | 6 M | 6 M | 7 M | 2 M |
| Interest expense | -10 M | -13 M | -17 M | -30 M | 39 M | 22 M | 12 M | 29 M | 120 M | 150 M |
| InterestExpenseForCapitalizedLeaseObligations | -2900.0 | |||||||||
| InterestExpenseForDeposit | 7 M | 8 M | 11 M | 19 M | 28 M | 18 M | 8 M | 23 M | 107 M | 140 M |
| InterestExpenseForLongTermDebt | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 4 M | 4 M | 6 M | 6 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 4 M | 4 M | 6 M | 6 M |
| InterestExpenseForShortTermDebt | 1 M | 2 M | 4 M | 8 M | 8 M | 2 M | 120000.0 | 2 M | 7 M | 3 M |
| InterestIncome | 105 M | 115 M | 130 M | 153 M | 169 M | 161 M | 167 M | 196 M | 286 M | 313 M |
| InterestIncomeAfterProvisionForLoanLoss | 81 M | 83 M | 86 M | 105 M | 122 M | 139 M | 155 M | 167 M | 152 M | 157 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 313000.0 | |||||||||
| InterestIncomeFromInvestmentSecurities | 22 M | 23 M | 24 M | 22 M | 19 M | 17 M | 19 M | 25 M | 24 M | 25 M |
| InterestIncomeFromLoans | 84 M | 92 M | 106 M | 131 M | 150 M | 171 M | 140 M | 171 M | 259 M | 282 M |
| InterestIncomeFromLoansAndLease | 84 M | 92 M | 106 M | 131 M | 150 M | 171 M | 140 M | 171 M | 259 M | 282 M |
| InterestIncomeFromSecurities | 22 M | 23 M | 24 M | 22 M | 19 M | 17 M | 19 M | 25 M | 24 M | 25 M |
| InvestmentBankingProfit | 50000.0 | |||||||||
| LifeAnnuityPremiums | 27000.0 | |||||||||
| MarketingExpense | 1 M | 2 M | 2 M | 4 M | 4 M | 3 M | 2 M | 2 M | 2 M | 2 M |
| Net income from total operations | 28 M | 32 M | 34 M | 40 M | 49 M | 38 M | 78 M | 57 M | 50 M | -42 M |
| NetIncomeCommonStockholders | 27 M | 30 M | 32 M | 38 M | 47 M | 37 M | 76 M | 55 M | 49 M | -43 M |
| NetIncomeContinuousOperations | 28 M | 32 M | 34 M | 40 M | 49 M | 38 M | 78 M | 57 M | 50 M | -42 M |
| NetInterestIncome | 88 M | 93 M | 99 M | 114 M | 130 M | 139 M | 155 M | 167 M | 166 M | 164 M |
| NetOccupancyExpense | 14 M | 15 M | 16 M | 17 M | 14 M | 14 M | 14 M | 15 M | 15 M | 14 M |
| NonInterestExpense | -79 M | -85 M | -91 M | -101 M | 103 M | 109 M | 113 M | 129 M | 137 M | 179 M |
| NonInterestIncome | 30 M | 36 M | 35 M | 36 M | 40 M | 43 M | 47 M | 46 M | 48 M | -47 M |
| NonRecurringOperationExpense | 23 M | |||||||||
| Normalized income | -133 M | |||||||||
| OccupancyAndEquipment | 14 M | 15 M | 16 M | 17 M | 14 M | 14 M | 14 M | 15 M | 15 M | 14 M |
| Other special charges | -5 M | -5 M | -6 M | -6 M | -30 M | -52 M | -40 M | -45 M | -51 M | -48 M |
| OtherCustomerServices | 503000.0 | 436000.0 | 439000.0 | |||||||
| OtherGandA | 12 M | 10 M | 10 M | 11 M | 3 M | 4 M | 4 M | 4 M | 7 M | 7 M |
| OtherInterestExpense | -10 M | -13 M | -17 M | -30 M | -130 M | -139 M | -155 M | -167 M | -166 M | -164 M |
| OtherInterestIncome | 18000.0 | 110000.0 | 428000.0 | 395000.0 | 315000.0 | 216000.0 | 731000.0 | 4 M | 6 M | |
| OtherNonInterestExpense | 3 M | 4 M | 5 M | 5 M | 20 M | 20 M | 24 M | 30 M | 34 M | 38 M |
| OtherNonInterestIncome | 13 M | 14 M | 22 M | 22 M | 21 M | 18 M | 23 M | 10 M | 17 M | 11 M |
| OtherunderPreferredStockDividend | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M |
| PreferredStockDividends | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M |
| ProfessionalExpenseAndContractServicesExpense | 5 M | 6 M | 4 M | 4 M | 5 M | 6 M | 7 M | 6 M | 5 M | 8 M |
| PropertyCasualtyPremiums | -16000.0 | 14 M | ||||||||
| RentAndLandingFees | -2 M | -2 M | -3 M | -3 M | ||||||
| Revenue per share | -276000.0 | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 986000.0 | 910000.0 | 552000.0 |
| SalariesAndWages | 42 M | 45 M | 49 M | 55 M | 56 M | 59 M | 61 M | 70 M | 72 M | 66 M |
| SecuritiesActivities | 54 M | 95 M | 50 M | 30 M | -61000.0 | |||||
| Selling Gen & administrative expense | 55 M | 57 M | 61 M | 69 M | 63 M | 66 M | 67 M | 76 M | 81 M | 75 M |
| SellingAndMarketingExpense | 1 M | 2 M | 2 M | 4 M | 4 M | 3 M | 2 M | 2 M | 2 M | 2 M |
| ServiceChargeOnDepositorAccounts | 8 M | 7 M | 7 M | |||||||
| Special income/charges | -4 M | -4 M | -7 M | -7 M | -20 M | -22 M | -24 M | -32 M | -34 M | -61 M |
| Total common shares outstanding | 14 M | 15 M | 16 M | 16 M | 16 M | 16 M | 16 M | 15 M | 15 M | 20 M |
| Total net income | 28 M | 32 M | 34 M | 40 M | 49 M | 38 M | 78 M | 57 M | 50 M | -42 M |
| Total ordinary shares | 20 M | 20 M | 20 M | 20 M | 20 M | 20 M | 20 M | 20 M | 20 M | 20 M |
| Total revenues | 118 M | 129 M | 134 M | 150 M | 170 M | 182 M | 202 M | 214 M | 214 M | 117 M |
| TotalPremiumsEarned | 5 M | 5 M | 5 M | 5 M | 5 M | 4 M | 6 M | 6 M | 7 M | 16 M |
| TotalRevenue | 118 M | 129 M | 134 M | 150 M | 170 M | 182 M | 202 M | 214 M | 214 M | 117 M |
| TrustFeesbyCommissions | 2 M | 5 M | 6 M | 8 M | 9 M | 10 M | 12 M | 11 M | 11 M | 11 M |
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