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Upturn AI SWOT - About
FISI 
Financial Institutions Inc (FISI)
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Upturn Advisory Summary
08/14/2025: FISI (1-star) is currently NOT-A-BUY. Pass it for now.
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
1 Year Target Price $34
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.57% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 531.22M USD | Price to earnings Ratio - | 1Y Target Price 34 |
Price to earnings Ratio - | 1Y Target Price 34 | ||
Volume (30-day avg) 2 | Beta 0.81 | 52 Weeks Range 20.72 - 29.08 | Updated Date 08/15/2025 |
52 Weeks Range 20.72 - 29.08 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.61% | Basic EPS (TTM) -2.82 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.8 | Actual 0.85 |
Profitability
Profit Margin -34.04% | Operating Margin (TTM) 40.21% |
Management Effectiveness
Return on Assets (TTM) -0.57% | Return on Equity (TTM) -6.53% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 700348992 | Price to Sales(TTM) 5.18 |
Enterprise Value 700348992 | Price to Sales(TTM) 5.18 | ||
Enterprise Value to Revenue 6.88 | Enterprise Value to EBITDA - | Shares Outstanding 20129600 | Shares Floating 18239460 |
Shares Outstanding 20129600 | Shares Floating 18239460 | ||
Percent Insiders 2.52 | Percent Institutions 80.94 |
Upturn AI SWOT
Financial Institutions Inc
Company Overview
History and Background
Financial Institutions, Inc. (FISI) was founded in 1987 and is a bank holding company. It operates primarily through its subsidiary, Five Star Bank, providing community banking services. It has grown through acquisitions and organic expansion, focusing on serving businesses and individuals in its market areas.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals.
- Wealth Management: Provides investment management and trust services.
- Mortgage Banking: Originates and services residential mortgages
Leadership and Structure
Martin K. Birmingham is the President and Chief Executive Officer. The company has a traditional hierarchical organizational structure with various departments headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate financing. Market share data is difficult to pinpoint precisely at FISI's scale, varying by geography and product. Competitors include larger regional and national banks. Difficult to pinpoint revenue attributed to this loan product.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Similar limitations on market share data; competition is intense among local and regional banks. Difficult to pinpoint revenue attributed to deposit accounts.
- Mortgages: Mortgage offerings to the communities which FISI serve. Competitors include national mortgage providers, local banks, and credit unions. Difficult to pinpoint revenue attributed to the mortgage offerings.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as rising interest rates, increasing regulatory scrutiny, and technological advancements (fintech). Competition is intense.
Positioning
FISI is a regional bank focused on community banking. Its competitive advantage lies in its local knowledge and personalized service.
Total Addressable Market (TAM)
The TAM is the total banking market in FISI's operational areas. FISI's positioning is focused on capturing a portion of the community banking segment, distinguishing themselves through customer service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Good reputation in the community
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller balance sheet constrains lending capacity
- Dependence on regional economy
Opportunities
- Expansion into new markets within the region
- Increased focus on digital banking services
- Acquisition of smaller banks or credit unions
- Capitalizing on the exit of regional banks that have closed due to economic conditions.
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates could negatively impact loan demand
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- USB
Competitive Landscape
FISI operates in a highly competitive market. Its smaller size compared to national banks requires it to focus on niche markets and superior customer service.
Major Acquisitions
N/A
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No acquisitions to note as of right now.
Growth Trajectory and Initiatives
Historical Growth: FISI's growth has been a combination of organic expansion and acquisitions.
Future Projections: Analyst estimates for FISI's future growth are available from financial data providers.
Recent Initiatives: Recent initiatives would be detailed in company press releases and investor presentations.
Summary
Financial Institutions Inc. is a regional bank that has a few challenges that limit its growth prospects. While it benefits from local presence and community relationships, its regional presence can hinder expansion. FISI must focus on digital offerings, potentially through strategic acquisitions, to enhance its long-term value to its customers.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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