TICKERNERD
Menu
FISIFinancial Services · Banks - Regional

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

Last close, 30 Oct 2026
$39
−3.77% on the day

The 2 Wall Street analysts covering Financial Institutions, Inc. hold a median 12-month price target of $45 — +14.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 87 of 100 as at 31 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$775.8M
Ticker Nerd rank
87/ 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
−3.1%
1M
+0.9%
YTD
+29.5%
1Y
+42.3%
From 52W high
−7.1%
From 52W low
+44.1%
$27
$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 31 Oct 2026
87/ 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
99
Momentum
98
Quality
83
Revisions
70
Value
66
Issuance
52
Size
47
Accruals
35
Volatility
26

Growth (99): Sales and profits are climbing, and climbing faster than before.

Volatility (26): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ 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
$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 +14.4% 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.

FISI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
  • The AI build-out map, free: every AI company we track, part by part, and one part in full with each verdict.

Free. Unsubscribe any time.

The AI build-out map
PDF

  • AI cloud capacity

    MSFTAMZNGOOGLORCL

  • AI chips

    NVDAAVGOAMDMU

  • AI networking and serversIn full

    ANETDELLLITECRDO

  • Data centre power

    VRTCEGGEVVST

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 30 Oct 2026, Financial Institutions, Inc. returned +42.3% against +12.4% for the S&P 500, dividends included.

FISI vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140150160Jan 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 movingThis 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
9.8×

Cheaper than 58% of US stocks

Price / sales
3.2×

Cheaper than 37% of US stocks

Price / book
1.3×

Cheaper than 61% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
−0.4%

Higher than 27% of US stocks

Earnings growth (YoY)
−2.4%

Higher than 34% of US stocks

Gross margin
—
Operating margin
41.4%

Higher than 93% of US stocks

Net margin
33.8%

Higher than 91% of US stocks

Returns & dividend
Return on equity
13.2%

Higher than 71% of US stocks

Return on assets
1.3%

Higher than 53% of US stocks

Dividend yield
3.3%

Higher than 88% 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 $775.8M and an enterprise value of $928.7M.

  • Revenue in the twelve months to 30 June 2026: $254.2M. The latest quarter shrank 0.4% 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: 9.8×; forward P/E: 9.2× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.25%, 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 31 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.$775.8M87
PGCPeapack-Gladstone Financial Corp.$795.9M55
SMBCSouthern Missouri Bancorp, Inc.$785.4M92
IBCPIndependent Bank Corp. (Michigan)$811.8M44
AGBKAGI, Inc. (Brazil)$823.6M1
ALRSAlerus Financial Corp.$826.8M55
SMBKSmartFinancial, Inc.$828.6M61

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: Despite Disappointing Q3, The Big Picture Is Still Compelling

Seeking Alpha · 1 Nov 2026negative

Financial Institutions reported Q3 2026 net income down 5.6% sequentially, and EPS of $0.99 missed expectations by 5.7%. Record net interest income and a stable 3.70% net interest margin contrasted with weaker non-interest income and higher expenses.

Why it matters — FISI watchers may note the mixed results: core interest income was resilient, while earnings declined and expenses rose.

Financial Institutions, Inc. (FISI) Q3 2026 Earnings Call Transcript

Seeking Alpha · 30 Oct 2026neutral

Financial Institutions, Inc. held its third-quarter 2026 earnings conference call on October 30, 2026. The excerpt lists company representatives and conference-call participants but provides no discussion of results or outlook.

Why it matters — FISI watchers can note the call date and participants, but the excerpt contains no financial details to assess the quarter.

Financial Institutions Q3 Earnings Call Highlights

MarketBeat · 30 Oct 2026positive

Financial Institutions reported commercial loan growth, a stable net interest margin and higher net interest income in the third quarter. Management maintained its full-year profitability targets and refined selected guidance assumptions.

Why it matters — The call highlights current lending and income trends alongside management’s reaffirmed profitability targets and updated assumptions.

Financial Institutions (FISI) Lags Q3 Earnings and Revenue Estimates

Zacks Investment Research · 30 Oct 2026negative

Financial Institutions reported quarterly earnings of $0.99 per share, below the Zacks Consensus Estimate of $1.05. Earnings matched the $0.99 per share reported a year earlier.

Why it matters — FISI watchers may note that quarterly earnings fell short of the consensus estimate while remaining unchanged from a year ago.

Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026

GlobeNewsWire · 29 Oct 2026positive

Financial Institutions, Inc. reported third-quarter 2026 net income available to common shareholders of $19.6 million, or $0.99 per diluted share. The company cited healthy loan and deposit growth and sustained profitability at its subsidiaries, Five Star Bank and Courier Capital.

Why it matters — The results provide FISI watchers with an update on quarterly earnings, growth in loans and deposits, and subsidiary profitability.

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. 87 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank FISI?

As at 31 Oct 2026, Financial Institutions, Inc. ranks 87 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 (99 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 +14.4% from the last close, and Ticker Nerd's factor model ranks Financial Institutions, Inc. 87 out of 100 as at 31 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 +42.3% over the 12 months to 30 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 (Seeking Alpha, 1 Nov 2026): "Financial Institutions: Despite Disappointing Q3, The Big Picture Is Still Compelling". Financial Institutions reported Q3 2026 net income down 5.6% sequentially, and EPS of $0.99 missed expectations by 5.7%. Record net interest income and a stable 3.70% net interest margin contrasted with weaker non-interest income and higher expenses.

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.FISI-investors.com