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FISI 
Financial Institutions Inc (FISI)
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Upturn Advisory Summary
11/05/2025: 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 $35
1 Year Target Price $35
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.27% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 585.40M USD | Price to earnings Ratio - | 1Y Target Price 35 |
Price to earnings Ratio - | 1Y Target Price 35 | ||
Volume (30-day avg) 2 | Beta 0.74 | 52 Weeks Range 20.48 - 29.88 | Updated Date 11/7/2025 |
52 Weeks Range 20.48 - 29.88 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 4.21% | Basic EPS (TTM) -2.67 |
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 0.88 | Actual 0.99 |
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 616037248 | Price to Sales(TTM) 5.01 |
Enterprise Value 616037248 | Price to Sales(TTM) 5.01 | ||
Enterprise Value to Revenue 6.97 | Enterprise Value to EBITDA - | Shares Outstanding 20130546 | Shares Floating 17818553 |
Shares Outstanding 20130546 | Shares Floating 17818553 | ||
Percent Insiders 2.6 | Percent Institutions 83.26 |
Upturn AI SWOT
Financial Institutions Inc
Company Overview
History and Background
Financial Institutions Inc. (FISI) was founded in 1987 as the holding company for Five Star Bank. It has grown through acquisitions and organic expansion to provide financial services across New York State.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and investment services to individuals and families.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
- Insurance Services: Provides insurance products and services to businesses and individuals.
Leadership and Structure
Martin K. Birmingham serves as the President and CEO. The company is structured with a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers loans to finance commercial real estate projects. Market share data is not publicly available. Competitors include larger national and regional banks like M&T Bank and KeyCorp.
- Mortgages: Provides residential mortgage loans. Market share data is not publicly available. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Wealth Management Services: Offers investment management and financial planning. Competitors include large firms such as Charles Schwab and Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
Financial Institutions Inc. is a regional bank focused on serving small to medium-sized businesses and individuals in New York State. Its competitive advantage lies in its local market expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in New York State is estimated to be in the billions of dollars annually. Financial Institutions Inc. is positioned to capture a portion of this market through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Susceptibility to regional economic downturns
- Dependence on traditional banking channels
Opportunities
- Expansion into new markets within New York State
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Competition from larger national and regional banks
- Rising interest rates
- Increased regulatory scrutiny
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- KEY
- CMA
Competitive Landscape
Financial Institutions Inc. competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local market expertise and customer relationships.
Major Acquisitions
NBT Bancorp (Potential)
- Year: 2016
- Acquisition Price (USD millions): 136.3
- Strategic Rationale: Expansion into new markets within New York State.
Growth Trajectory and Initiatives
Historical Growth: Financial Institutions Inc. has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analysts project moderate revenue and earnings growth for Financial Institutions Inc. over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Financial Institutions Inc. is a stable regional bank with a strong local presence and consistent profitability. Its diversified revenue streams and solid capital base provide a strong foundation for future growth. However, it faces competition from larger banks and must continue to adapt to the changing digital landscape and macroeconomic environment.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice.
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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