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FISIFinancial Services · Banks - Regional

FISI Stock Forecast: Financial Institutions, Inc. Price Predictions for 2026-2027

Last close, 9 Oct 2026
$38
−1.54% on the day

The 2 Wall Street analysts covering Financial Institutions, Inc. hold a median 12-month price target of $45 — +17.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 96 of 100 as at 8 Oct 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$762.8M
Ticker Nerd rank
96 / 100
Median analyst target
$45
Analysts covering
2
Revenue$64.5M+8.5% y/y
Net income$21.2M
Free cash flow$21.8M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−3.8%
1M
−5.0%
YTD
+26.6%
1Y
+47.1%
From 52W high
−9.2%
From 52W low
+55.0%
$25
$42
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

FISI stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Financial Institutions, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 8 Oct 2026
96 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
100
Momentum
98
Revisions
95
Value
88
Quality
77
Issuance
49
Size
47
Accruals
38
Volatility
23

Growth (100): Sales and profits are climbing, and climbing faster than before.

Volatility (23): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

FISI stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on FISI, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$25$30$35$40$45Jan 26Apr 26Jul 26Oct 26FISIHigh $45Median $45Low $45

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says2 analysts
1 Buy1 Hold0 Sell
Low $45Median $45High $45

The green dot is the last close — the median target sits +17.0% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 4 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
3 Aug 2026Piper SandlerReiteratesNeutral$38 → $45
27 July 2026Keefe, Bruyette & WoodsMaintainsOutperform$42 → $45
2 Feb 2026Keefe, Bruyette & WoodsMaintainsOutperform—
2 Feb 2026Keefe, Bruyette & WoodsMaintainsOutperform$35 → $38
2 Feb 2026Piper SandlerReiteratesNeutral—
2 Feb 2026Piper SandlerReiteratesNeutral$34 → $36
17 Dec 2025Piper SandlerAssumesNeutral$34
27 Oct 2025Keefe, Bruyette & WoodsMaintainsOutperform—
11 Mar 2025Stephens & Co.ReiteratesEqual-Weight—
3 Feb 2025Keefe, Bruyette & WoodsUpgradeOutperform—
31 Jan 2025Stephens & Co.ReiteratesEqual-Weight—
20 Dec 2024Piper SandlerAssumesOverweight$33
4 Dec 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
29 July 2024Keefe, Bruyette & WoodsReiteratesMarket Perform—
5 Apr 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
2 Apr 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
25 Mar 2024Piper SandlerDowngradeNeutral—
13 July 2023Stephens & Co.InitiatesEqual-Weight—
1 May 2023Keefe, Bruyette & WoodsMaintainsMarket Perform—
31 Oct 2022Hovde GroupDowngradeMarket Perform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. FISI appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

FISI vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 9 Oct 2026, Financial Institutions, Inc. returned +47.1% against +16.6% for the S&P 500, dividends included.

FISI vs S&P 500, last 12 monthsTotal return, rebased to 100
100120140160Jan 26Apr 26Jul 26Oct 26FISIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

FISI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+4.4%
Analysts raising
2
Analysts cutting
0
Fundamentals

Financial Institutions, Inc. (FISI) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
9.6×

Cheaper than 59% of US stocks

Price / sales
3.1×

Cheaper than 39% of US stocks

Price / book
1.2×

Cheaper than 65% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
7.0%

Higher than 44% of US stocks

Earnings growth (YoY)
20.8%

Higher than 59% of US stocks

Gross margin
—
Operating margin
43.6%

Higher than 94% of US stocks

Net margin
33.9%

Higher than 92% of US stocks

Returns & dividend
Return on equity
13.3%

Higher than 71% of US stocks

Return on assets
1.3%

Higher than 53% of US stocks

Dividend yield
3.3%

Higher than 87% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Financial Institutions, Inc. (FISI) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Financial Institutions, Inc. has a market value of $762.8M and an enterprise value of $971.8M.

  • Revenue in the twelve months to 30 June 2026: $254.2M. The latest quarter grew 7.0% year on year.

  • Net income over the same four quarters: $82.6M, a 32.5% net margin.

  • Diluted earnings per share, trailing twelve months: $4.03.

  • Free cash flow in the twelve months to 30 June 2026: $56.2M.

  • Financial Institutions, Inc. spent $17.1M on share buybacks and $26.5M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 19.7M.

  • Trailing P/E: 9.6×; forward P/E: 9.0× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.30%, paying out 31% of earnings.

  • Financial Institutions, Inc. employs 631 people — $403K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 8 Oct 2026

Data provided by Twelve Data

Peers

FISI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
FISIFinancial Institutions, Inc.$762.8M
96
RCBCRiver City Bank (Sacramento, California)$793.3M
54
IBCPIndependent Bank Corp. (Michigan)$793.8M
86
SMBCSouthern Missouri Bancorp, Inc.$793.9M
83
ALRSAlerus Financial Corp.$804.0M
46
PGCPeapack-Gladstone Financial Corp.$766.6M
57
HTBHomeTrust Bancshares, Inc.$809.9M
84

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Financial Institutions, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest FISI news & analysis

Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call

GlobeNewsWire · 1 Oct 2026neutral

Financial Institutions, Inc., parent company of Five Star Bank and Courier Capital, announced it will release its third quarter 2026 results after market close on October 29, 2026, and will hold an earnings conference call. The announcement was made October 1, 2026.

Why it matters — A FISI watcher would care because this sets the date and timing for the company's upcoming quarterly results and management's commentary on its performance.

Why Financial Institutions (FISI) is a Great Dividend Stock Right Now

Zacks Investment Research · 28 Sept 2026positive

Zacks Investment Research examines whether Financial Institutions, Inc. (FISI) qualifies as a strong dividend stock, noting that dividends are a key benefit for shareholders. The piece poses the question of whether FISI has the attributes for dividend-stock appeal.

Why it matters — A FISI watcher would care because the coverage highlights the company's dividend attractiveness, which is a factor many investors weigh when considering a stock.

Financial Institutions (FISI) Upgraded to Buy: Here's Why

Zacks Investment Research · 17 Sept 2026positive

Financial Institutions (FISI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. The upgrade could drive the stock higher in the near term.

Why it matters — FISI watchers would care because the upgrade signals improved expectations for the company's earnings outlook.

Why Financial Institutions (FISI) is a Top Dividend Stock for Your Portfolio

Zacks Investment Research · 11 Sept 2026positive

Zacks Investment Research published an article highlighting Financial Institutions (FISI) as a potential top dividend stock for investors. The piece discusses the benefits of dividends and questions whether FISI qualifies as a strong dividend pick.

Why it matters — FISI watchers will care because the article highlights the company's dividend profile, a key factor for income-focused investors evaluating the stock.

Financial Institutions, Inc. Announces Quarterly Cash Dividend

GlobeNewsWire · 26 Aug 2026positive

Financial Institutions, Inc. (NASDAQ: FISI) announced that its Board of Directors approved a quarterly cash dividend of $0.32 per outstanding common share. The dividend was declared on August 26, 2026, by the parent company of Five Star Bank and Courier Capital, LLC.

Why it matters — FISI watchers would care because the approved dividend reflects the company's ongoing shareholder-return policy and provides a concrete indicator of its capital position.

FAQ

Frequently asked questions about FISI stock

What is the FISI stock price forecast for 2026-2027?

The 2 Wall Street analysts covering Financial Institutions, Inc. have a median 12-month price target of $45, with estimates ranging from $45 to $45. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is FISI stock a buy right now?

Of the 2 analysts covering Financial Institutions, Inc., 1 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Financial Institutions, Inc. 96 out of 100 across roughly 4,600 US stocks as at 8 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank FISI?

As at 8 Oct 2026, Financial Institutions, Inc. ranks 96 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (100 of 100).

Will FISI stock go up?

No one can know that. What the data says: the median 12-month target from 2 analysts implies +17.0% from the last close, and Ticker Nerd's factor model ranks Financial Institutions, Inc. 96 out of 100 as at 8 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the FISI stock forecast for 2030?

No analyst covering Financial Institutions, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for FISI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $45 to $45 over the next 12 months.

How has FISI stock performed over the past year?

Financial Institutions, Inc. returned +47.1% over the 12 months to 9 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Financial Institutions, Inc. do?

Financial Institutions, Inc. is a financial holding company that provides banking, insurance, and wealth management services through its subsidiaries.

What is the latest news on FISI?

The most recent item we track (GlobeNewsWire, 1 Oct 2026): "Financial Institutions, Inc. Schedules Third Quarter 2026 Earnings Release and Conference Call". Financial Institutions, Inc., parent company of Five Star Bank and Courier Capital, announced it will release its third quarter 2026 results after market close on October 29, 2026, and will hold an earnings conference call. The announcement was made October 1, 2026.

Company

About Financial Institutions, Inc.

Financial Institutions, Inc. is a financial holding company that provides banking, insurance, and wealth management services through its subsidiaries. The company’s core banking business offers retail and commercial deposit accounts, lending solutions, and treasury-related services for individuals, businesses, and municipalities. Its non-banking operations include a full-service insurance agency and an investment advisory and wealth management firm that provides customized investment management, consulting, and retirement plan services. Financial Institutions, Inc. serves a broad customer base across consumer, commercial, municipal, healthcare, and not-for-profit markets, with a focus on relationship-driven financial services. Headquartered in Warsaw, New York, the company operates as a regional financial services provider with a mix of traditional banking and fee-based advisory businesses.

CEO Mr. Martin K. Birmingham · 631 employees · United States · https://www.five-starbank.com