FINANCIAL INSTITUTIONS INC

FISI

FINANCIAL INSTITUTIONS INC

FISI

Insider Sentiment (TTM):

Last Purchase:2026-03-12Last Sale:-Shares Purchased (TTM):660Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:14,761,372Shares Outstanding:20,099,000Institutional Ownership Pct.:73.44%

Earnings Market Reaction:

Filing Date:2026-08-03Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	60	56	57	89	72	74	55	250	146	237	71	192
Interest Bearing Deposits In Banks	40	29	52	97	21	93	32	-	-	-	53	-
Cash And Cash Equivalents At Carrying Value	99	85	109	186	93	167	87	-	-	-	124	-
Available For Sale Securities Debt Securities	910	1,004	922	924	916	927	911	887	872	924	888	854
Loans Receivable Held For Sale Net Not Part Of Dis…	3	1	3	2	2	0	2	2	2	1	1	2
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	4,399	4,411	4,382
Notes Receivable Net	4,705	4,583	4,610	4,543	4,489	4,504	4,431	4,358	4,418	-	4,411	-
Bank Owned Life Insurance	182	179	176	174	172	243	167	165	164	163	161	142
Property Plant And Equipment Net	38	38	40	39	40	39	40	41	40	40	40	40
Intangible Assets Net Including Goodwill	-	-	-	60	61	61	61	61	61	72	73	73
Goodwill	58	58	58	-	-	-	58	-	-	-	-	-
Other Intangible Assets Net	2	2	2	-	-	-	3	-	-	-	-	-
Other Assets	258	262	268	272	280	286	302	271	301	320	314	301
Assets	6,335	6,295	6,274	6,288	6,144	6,340	6,117	6,156	6,132	6,299	6,161	6,140
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	951	953	963	959	940	945	950	979	939	973	1,011	1,035
Interest Bearing Deposit Liabilities	712	745	672	776	705	773	705	794	712	799	713	828
Deposits Savings Deposits	1,964	1,984	1,885	1,956	1,898	2,033	1,904	2,027	2,007	2,065	2,084	1,944
Time Deposits	1,672	1,656	1,687	1,666	1,613	1,621	1,545	1,507	1,475	1,561	1,405	1,509
Deposits	5,299	5,338	5,206	5,358	5,156	5,373	5,105	5,307	5,133	5,397	5,213	5,316
Short Term Borrowings	182	114	109	55	101	55	99	55	202	133	185	70
Long Term Debt	79	79	194	115	115	125	125	125	125	125	125	124
Other Liabilities	131	133	136	139	170	198	220	170	204	198	184	221
Liabilities	5,692	5,663	5,645	5,666	5,542	5,751	5,548	5,656	5,664	5,853	5,706	5,731
Stockholders Equity
Preferred Stock Value	17	17	17	17	17	17	17	17	17	17	17	17
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	233	233	234	234	233	232	233	125	125	125	126	126
Retained Earnings Accumulated Deficit	466	451	437	424	410	399	389	478	469	449	452	447
Accumulated Other Comprehensive Income Loss Net Of…	-43	-39	-33	-37	-42	-42	-53	-102	-126	-126	-120	-161
Treasury Stock Value	-30	-31	-27	-16	-16	-17	-18	-18	-18	-19	-20	-20
Stockholders Equity	643	632	629	622	602	590	569	500	468	446	455	409
Liabilities And Stockholders Equity	6,335	6,295	6,274	6,288	6,144	6,340	6,117	6,156	6,132	6,299	6,161	6,140
Available For Sale Debt Securities Amortized Cost …	960	1,048	958	962	963	974	973	1,012	1,031	1,084	1,038	1,061
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	71	73	76	78	82	103	105	113	116	131	137	137
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	43	51	50
Financing Receivable Allowance For Credit Losses	-	45	47	47	47	49	48	45	44	43	51	50
Unamortized Debt Issuance Expense	1	1	1	0	0	0	0	0	0	0	0	1
Preferred Stock Par Or Stated Value Per Share	-	-	100	-	-	-	100	-	-	-	100	-
Preferred Stock Shares Authorized	-	-	0	-	-	-	0	-	-	-	0	-
Preferred Stock Shares Issued	-	-	0	-	-	-	0	-	-	-	0	-
Preferred Stock Dividend Rate Percentage	-	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Common Stock Shares Issued	21	21	21	21	21	21	21	16	16	16	16	16
Treasury Stock Common Shares	1	1	1	1	1	1	1	1	1	1	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	6.81%	15.75%	20.77%	-	-	-	-	-	-	-	-	-
2025	-1.26%	0.31%	0.86%	10.20%	10.59%	16.63%	5.41%	11.25%	11.35%	5.97%	13.43%	19.16%
2024	-0.84%	10.69%	47.82%	14.73%	12.38%	7.16%	12.19%	12.74%	13.03%	-14.72%	1.01%	-0.45%
2023	-	-	-	-11.70%	-14.73%	-21.21%	8.13%	26.50%	26.38%	-2.62%	-2.62%	-3.93%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	15.47	14.50	14.21	-6.58	-8.31	-0.17	0.14	1.53	1.42	1.36	1.51	1.64
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	5,215.02	5,367.91	5,599.59
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.07	0.07	0.07
Per Share Metrics
Diluted EPS TTM	-	-	3.61	-	-	-	-2.66	-	-	-	3.15	-
Free Cash Flow Per Share TTM	2.72	1.31	0.66	0.99	1.36	3.39	4.60	-0.21	2.49	0.83	0.51	4.36
Dividend Per Share TTM	0.96	0.96	0.97	0.95	0.87	0.79	0.95	0.93	0.93	0.93	0.96	0.92
Margin Metrics
Gross Profit Margin TTM	62.74%	61.50%	60.06%	58.02%	55.73%	53.94%	52.23%	35.65%	36.34%	37.65%	40.18%	63.20%
Operating Profit Margin TTM	29.87%	28.65%	27.43%	-14.68%	-18.32%	-15.81%	-21.76%	19.91%	20.74%	16.83%	22.04%	23.40%
Net Profit Margin TTM	24.21%	23.13%	22.05%	-8.44%	-10.80%	-8.38%	-13.30%	15.76%	15.99%	12.77%	17.06%	19.66%
Growth Metrics
Net Revenue Growth (1Y)	4.30%	5.58%	6.31%	4.75%	3.73%	5.02%	9.47%	16.56%	26.74%	38.27%	45.91%	46.87%
Net Income Growth (1Y)	-333.74%	-391.44%	-276.27%	-156.10%	-170.10%	-168.90%	-185.33%	-6.56%	-6.55%	-28.91%	-13.73%	-18.44%
EPS Growth (1Y)	-333.74%	-391.44%	-237.54%	-143.64%	-154.52%	-153.59%	-183.66%	-6.56%	-6.55%	-28.91%	-13.69%	-18.44%
Valuation Metrics
P/E TTM	9.98	8.44	8.37	-19.85	-14.77	-18.53	-9.64	7.75	5.78	7.11	5.95	4.50
P/B TTM	1.25	1.03	0.98	0.88	0.85	0.83	0.71	0.76	0.61	0.61	0.64	0.58
P/S TTM	2.42	1.95	1.85	1.68	1.60	1.55	1.28	1.22	0.92	0.91	1.01	0.88
Market Cap	806.66M	650.85M	614.65M	547.16M	510.67M	490.45M	401.43M	380.60M	285.21M	273.04M	290.38M	236.56M
Enterprise Value	968.18M	758.02M	808.55M	531.22M	633.59M	503.01M	537.95M	310.79M	465.55M	293.61M	475.47M	238.90M
Calculated Values
Free Cash Flow TTM	56.24M	27.10M	13.25M	20.58M	28.18M	70.23M	72.15M	-3.38M	40.16M	13.30M	7.90M	70.24M
Net Debt	161.52M	107.17M	193.90M	-15.95M	122.93M	12.57M	136.52M	-69.80M	180.34M	20.57M	185.09M	2.34M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-12Purchase

Owner: Plants, William Jack Ii

Title: Chief Financial Officer

Shares: 660

Price/Share: $30.12

Value: $19,879.20

Shares Owned: 6,159

Relationship: Officer

Ownership: Direct

2024-12-13Purchase

Owner: Collins, Laurie R

Title: Chief Human Resources Officer

Shares: 2,000

Price/Share: $25.00

Value: $50,000.00

Shares Owned: 4,719

Relationship: Officer

Ownership: Direct

2024-12-13Purchase

Owner: Dorn, Andrew W Jr

Title: -

Shares: 2,000

Price/Share: $25.00

Value: $50,000.00

Shares Owned: 36,423

Relationship: Director

Ownership: Direct

2024-12-13Purchase

Owner: Gullo, Samuel M

Title: -

Shares: 4,000

Price/Share: $25.00

Value: $100,000.00

Shares Owned: 40,840

Relationship: Director

Ownership: Direct

2024-12-13Purchase

Owner: Boswell, Donald

Title: -

Shares: 800

Price/Share: $25.00

Value: $20,000.00

Shares Owned: 15,295

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-12	Plants, William Jack Ii	Officer	Chief Financial Officer	Direct	Purchase	660	30.12	$19,879.20	6,159	4
2024-12-13	Collins, Laurie R	Officer	Chief Human Resources Officer	Direct	Purchase	2,000	25.00	$50,000.00	4,719	4
2024-12-13	Dorn, Andrew W Jr	Director	-	Direct	Purchase	2,000	25.00	$50,000.00	36,423	4
2024-12-13	Gullo, Samuel M	Director	-	Direct	Purchase	4,000	25.00	$100,000.00	40,840	4
2024-12-13	Boswell, Donald	Director	-	Direct	Purchase	800	25.00	$20,000.00	15,295	4
2024-12-13	Burruano, Samuel J Jr	Officer	Chief Legal Officer	Direct	Purchase	2,000	25.00	$50,000.00	12,206	4
2024-12-13	Zupan, Mark	Director	-	Direct	Purchase	2,000	25.00	$50,000.00	11,674	4
2024-12-13	Byers, Sandra L	Other	-	Direct	Purchase	800	25.00	$20,000.00	800	4
2024-12-13	Holliday, Susan R	Director	-	Direct	Purchase	2,000	25.00	$50,000.00	39,035	4
2024-12-13	Birmingham, Martin Kearne…	Officer	President & CEO	Direct	Purchase	4,000	25.00	$100,000.00	126,732	4
2024-12-13	Latella, Robert N	Director	-	Indirect	Purchase	4,000	25.00	$100,000.00	16,000	4
2024-12-13	Pacos, Gary A.	Officer	Chief Risk Officer	Direct	Purchase	2,000	25.00	$50,000.00	2,000	4
2024-12-13	Glaser, Robert M	Director	-	Direct	Purchase	4,000	25.00	$100,000.00	45,439	4
2024-12-13	Quinn, Kevin B	Officer	Chief Comm Banking Officer	Direct	Purchase	400	25.00	$10,000.00	3,705	4
2024-12-13	Vangelder, Kim E	Director	-	Direct	Purchase	600	25.00	$15,000.00	27,713	4
2024-12-13	Plants, William Jack Ii	Officer	Chief Financial Officer	Indirect	Purchase	2,800	25.00	$70,000.00	4,937	4
2023-05-18	Boswell, Donald	Director	-	Direct	Purchase	890	16.74	$14,898.60	9,407	4
2023-05-11	Holliday, Susan R	Director	-	Indirect	Purchase	1,000	15.70	$15,700.00	1,000	4
2023-05-08	Gullo, Samuel M	Director	-	Direct	Purchase	2,000	15.94	$31,880.00	33,004	4
2023-05-04	Glaser, Robert M	Director	-	Indirect	Purchase	1,500	14.56	$21,840.00	1,500	4
2023-05-04	Latella, Robert N	Director	-	Indirect	Purchase	10,000	15.06	$150,600.00	12,000	4
2023-05-03	Burruano, Samuel J Jr	Officer	Executive Vice President	Direct	Purchase	1,000	15.82	$15,820.00	7,155	4
2023-05-03	Plants, William Jack Ii	Officer	Chief Financial Officer	Indirect	Purchase	1,500	16.17	$24,255.00	2,137	4
2023-05-03	Dorn, Andrew W Jr	Director	-	Direct	Purchase	1,000	16.21	$16,210.00	30,587	4
2023-05-03	Birmingham, Martin Kearne…	Officer	President & CEO	Direct	Purchase	1,500	16.25	$24,375.00	112,277	4
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Institutional Ownership

No data available for chart

2026-03-31

73.44%

Inst. Shares: 14,761,372

Shares Outstanding: 20,099,000

2025-12-31

75.45%

Inst. Shares: 15,164,040

Shares Outstanding: 20,099,000

2025-09-30

76.81%

Inst. Shares: 15,438,591

Shares Outstanding: 20,099,000

2025-06-30

72.85%

Inst. Shares: 15,080,143

Shares Outstanding: 20,699,556

2025-03-31

97.74%

Inst. Shares: 15,327,991

Shares Outstanding: 15,683,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	14,761,372	20,099,000	73.44%
2025-12-31	15,164,040	20,099,000	75.45%
2025-09-30	15,438,591	20,099,000	76.81%
2025-06-30	15,080,143	20,699,556	72.85%
2025-03-31	15,327,991	15,683,000	97.74%
2024-12-31	13,586,507	15,683,000	86.63%
2024-09-30	9,255,936	15,683,000	59.02%
2024-06-30	8,274,297	16,099,556	51.39%
2024-03-31	7,790,346	15,376,000	50.67%
2023-12-31	7,436,417	15,376,000	48.36%
2023-09-30	7,598,283	15,376,000	49.42%
2023-06-30	7,913,557	16,099,556	49.15%
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FINANCIAL INSTITUTIONS INC (FISI) — SEC Financial Statements & Analysis

FINANCIAL INSTITUTIONS INC (FISI) is a national commercial banks company, incorporated in NY. FINANCIAL INSTITUTIONS INC trades on Nasdaq, OTC as: FISI, FIISO, FIISP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FINANCIAL INSTITUTIONS INC reported a 4.30% year-over-year revenue growth, a Gross Profit Margin of 62.74% (TTM), a Price-to-Sales (P/S) ratio of 2.42x (TTM), a Price-to-Book (P/B) ratio of 1.25x (TTM), at a market cap of $806.66M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.30%
Gross Profit Margin TTM: 62.74%
P/S TTM: 2.42x
P/B TTM: 1.25x
Market Cap: $806.66M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FINANCIAL INSTITUTIONS INC in?

FINANCIAL INSTITUTIONS INC (FISI) operates in the National Commercial Banks industry.

What is FISI's market cap?

FINANCIAL INSTITUTIONS INC (FISI) has a market capitalization of $806.66M as of 2026-06-30.

What is FISI's P/E ratio?

FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month P/E ratio is 9.98x as of 2026-06-30.

What exchange does FISI trade on?

FINANCIAL INSTITUTIONS INC (FISI) trades on the Nasdaq, OTC.

Where is FINANCIAL INSTITUTIONS INC incorporated?

FINANCIAL INSTITUTIONS INC is incorporated in NY.