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FISI 
Financial Institutions Inc (FISI)
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Upturn Advisory Summary
01/09/2026: FISI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34.5
1 Year Target Price $34.5
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.15% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 648.61M USD | Price to earnings Ratio - | 1Y Target Price 34.5 |
Price to earnings Ratio - | 1Y Target Price 34.5 | ||
Volume (30-day avg) 2 | Beta 0.71 | 52 Weeks Range 20.29 - 33.00 | Updated Date 01/9/2026 |
52 Weeks Range 20.29 - 33.00 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 3.93% | Basic EPS (TTM) -2.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -23.92% | Operating Margin (TTM) 43.47% |
Management Effectiveness
Return on Assets (TTM) -0.45% | Return on Equity (TTM) -4.98% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 679247168 | Price to Sales(TTM) 5.56 |
Enterprise Value 679247168 | Price to Sales(TTM) 5.56 | ||
Enterprise Value to Revenue 6.56 | Enterprise Value to EBITDA - | Shares Outstanding 20130546 | Shares Floating 17824391 |
Shares Outstanding 20130546 | Shares Floating 17824391 | ||
Percent Insiders 2.61 | Percent Institutions 82.53 |
Upturn AI SWOT
Financial Institutions Inc
Company Overview
History and Background
Financial Institutions, Inc. (FISI) was founded in 1921 as The Auburn National Bank of Auburn, New York. It has since evolved into a diversified financial services holding company. Over its history, it has expanded its service offerings and geographic reach through both organic growth and strategic acquisitions, focusing on community banking and wealth management.
Core Business Areas
- Community Banking: This segment provides a full range of banking services to individuals and businesses. Services include checking and savings accounts, certificates of deposit, commercial and consumer loans, mortgages, and commercial real estate financing. It operates through its subsidiary, Auburn Community Bank.
- Wealth Management: This segment offers a comprehensive suite of investment and financial planning services. Products include investment advisory services, brokerage services, retirement planning, estate planning, and trust services. This is primarily delivered through its subsidiary, Excellus Wealth Management.
Leadership and Structure
Financial Institutions, Inc. is led by a Board of Directors and an executive management team. Key leadership positions include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various divisions. The company operates as a holding company with its banking and wealth management operations functioning as subsidiaries.
Top Products and Market Share
Key Offerings
- Competitors: Community banks in Upstate New York,Regional banks,National banks
- Description: Loans provided to businesses for working capital, equipment purchases, and expansion. Market share data is not readily available at a product level for FISI's specific offerings but is competitive within its regional banking footprint. Competitors include other community banks, regional banks, and national banks operating in its service areas.
- Market Share:
- Product Name 1: Commercial Loans
- Revenue Contribution:
- Competitors: National mortgage lenders (e.g., Rocket Mortgage, LoanDepot),Community banks,Credit unions
- Description: Origination and servicing of residential mortgages. This is a significant contributor to loan volume. Market share data is localized. Competitors include national mortgage lenders, other community banks, and credit unions.
- Market Share:
- Product Name 2: Mortgage Lending
- Revenue Contribution:
- Competitors: Merrill Lynch,Edward Jones,Independent Registered Investment Advisors (RIAs)
- Description: Personalized financial planning and investment management for individuals and institutions. Excellus Wealth Management is the primary provider. Market share is challenging to quantify precisely but operates within the broader wealth management industry. Competitors include large brokerage firms, independent RIAs, and other bank-affiliated wealth managers.
- Market Share:
- Product Name 3: Investment Advisory Services
- Revenue Contribution:
Market Dynamics
Industry Overview
The US financial services industry is mature and highly competitive, encompassing banking, lending, and wealth management. Key trends include digital transformation, increased regulatory scrutiny, low-interest-rate environments (though shifting), and a growing demand for personalized financial advice. Community banks face pressure from larger institutions and fintech disruptors.
Positioning
Financial Institutions, Inc. is positioned as a community-focused financial institution in Upstate New York, emphasizing personalized service and local market knowledge. Its competitive advantages lie in its established customer relationships, understanding of local economic conditions, and a dual focus on traditional banking and wealth management services.
Total Addressable Market (TAM)
The TAM for community banking and wealth management services in the US is in the trillions of dollars. Financial Institutions, Inc. operates within a specific regional TAM in Upstate New York. Its positioning is that of a strong local player within this segment, rather than a national contender.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition and customer loyalty in its service areas.
- Diversified revenue streams from both banking and wealth management.
- Experienced management team with deep knowledge of its markets.
- Solid capital position and regulatory compliance.
- Commitment to community development and customer service.
Weaknesses
- Limited geographic reach compared to larger national banks.
- Potential challenges in competing with larger institutions on technology and scale.
- Reliance on the regional economic performance of Upstate New York.
- Lower brand awareness outside its core operating regions.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital banking services and customer experience.
- Cross-selling opportunities between banking and wealth management clients.
- Capitalizing on potential consolidation within the community banking sector.
- Growth in demand for personalized financial planning and retirement services.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Economic downturns affecting loan demand and credit quality.
- Rising interest rates impacting borrowing costs and potentially credit risk.
- Changes in regulatory landscape and compliance costs.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- Community Bank System, Inc. (CBS)
- KeyCorp (KEY)
- M&T Bank Corporation (MTB)
Competitive Landscape
Financial Institutions, Inc. competes in a landscape dominated by larger regional and national banks, as well as smaller community banks. Its advantage lies in its focused community approach and personalized service, while larger competitors may offer broader product suites and more advanced technology. Fintech also presents a competitive threat by offering specialized digital financial services.
Growth Trajectory and Initiatives
Historical Growth: Historically, Financial Institutions, Inc. has experienced moderate but steady growth, driven by its core banking operations and strategic expansions in wealth management. Growth has been influenced by the economic conditions in Upstate New York and its ability to attract and retain customers.
Future Projections: Future growth projections for Financial Institutions, Inc. often depend on analyst consensus based on factors like interest rate outlook, loan demand, economic forecasts for its operating regions, and the success of its wealth management segment. Projections would typically involve anticipated revenue and EPS growth rates.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking capabilities, optimizing branch networks, expanding product offerings in wealth management, and potentially pursuing strategic partnerships or acquisitions to broaden its market presence or service capabilities.
Summary
Financial Institutions, Inc. is a well-established community bank with a strong regional presence and a diversified approach that includes wealth management. Its strengths lie in its customer loyalty and local market expertise. However, it faces significant competition from larger institutions and the evolving fintech landscape. Its future success will depend on its ability to adapt to digital trends and continue to differentiate through personalized service within its core markets.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (Financial Institutions, Inc. official filings and reports)
- Reputable financial data providers (e.g., Refinitiv, FactSet, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Market share data and specific financial figures may vary depending on the source and reporting period. This JSON output is for informational purposes only and does not constitute financial advice. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Financial Institutions Inc
Exchange NASDAQ | Headquaters Warsaw, NY, United States | ||
IPO Launch date 1999-06-25 | President, CEO & Director Mr. Martin K. Birmingham | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 598 | |
Full time employees 598 | |||
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, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, and deposit account collateralized loans. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
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