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Upturn AI SWOT - About
FISI 
Financial Institutions Inc (FISI)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $33
1 Year Target Price $33
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.56% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 521.24M USD | Price to earnings Ratio - | 1Y Target Price 33 |
Price to earnings Ratio - | 1Y Target Price 33 | ||
Volume (30-day avg) 2 | Beta 0.74 | 52 Weeks Range 17.72 - 29.08 | Updated Date 06/30/2025 |
52 Weeks Range 17.72 - 29.08 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.79% | Basic EPS (TTM) -2.05 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -24.71% | Operating Margin (TTM) 41% |
Management Effectiveness
Return on Assets (TTM) -0.43% | Return on Equity (TTM) -5.18% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 579926720 | Price to Sales(TTM) 4.8 |
Enterprise Value 579926720 | Price to Sales(TTM) 4.8 | ||
Enterprise Value to Revenue 6.22 | Enterprise Value to EBITDA - | Shares Outstanding 20109700 | Shares Floating 18320149 |
Shares Outstanding 20109700 | Shares Floating 18320149 | ||
Percent Insiders 2.53 | Percent Institutions 84.94 |
Analyst Ratings
Rating 2 | Target Price 33 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Financial Institutions Inc
Company Overview
History and Background
Financial Institutions Inc. (FISI) was founded in 1987 as a bank holding company. It has grown through acquisitions and organic expansion, providing community banking services across its footprint.
Core Business Areas
- Community Banking: Offers a range of traditional banking products and services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Insurance Services: Offers various insurance products, including property and casualty, life, and health insurance.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure is typical of a bank holding company, with various departments overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. No definitive market share data available. Competitors include regional banks like M&T Bank (MTB) and KeyCorp (KEY), as well as national players.
- Residential Mortgages: Mortgage loans to individuals for purchasing or refinancing homes. Market share is fragmented. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts. No specific market share available. Competitors include all banks offering similar products.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Consolidation is an ongoing trend.
Positioning
Financial Institutions Inc. is a regional bank focused on community banking and wealth management. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking and wealth management is substantial, encompassing individuals and businesses seeking financial services. FISI's position depends on its ability to attract and retain customers within its service area. The total market value is several trillion dollars, varying significantly by region.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on local economy
- Lower technology spending compared to larger banks
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological advancements
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- KeyCorp (KEY)
- Evans Bancorp, Inc (EVBN)
Competitive Landscape
FISI faces strong competition from larger regional and national banks. Its success depends on its ability to differentiate itself through superior customer service and local market expertise.
Major Acquisitions
Five Star Bank
- Year: 2024
- Acquisition Price (USD millions): 312
- Strategic Rationale: Acquired to expand market share in upstate New York and increase scale of operations.
Growth Trajectory and Initiatives
Historical Growth: Growth has been moderate, driven by organic expansion and acquisitions.
Future Projections: Future growth depends on economic conditions, competitive landscape, and management's strategic initiatives. Analyst estimates vary.
Recent Initiatives: Likely includes technology upgrades, expansion into new markets, and cost-cutting measures; further details are needed.
Summary
Financial Institutions Inc. is a regional bank operating in a competitive market. Its strength lies in its local presence and customer relationships; however, it must address its smaller scale and technological limitations to compete effectively. Recent acquisition may improve market position. The company's success hinges on its ability to adapt to evolving industry trends and maintain strong financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers
- Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on independent research and consultation with a qualified financial advisor.
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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