Financial Institutions Inc. (FISI)
Nasdaq · National Commercial Banks · Finance, insurance and real estate · CIK 862831 · fiscal year ends in Dec
Closing price $40.85 on 29 Oct 2026; 52-week range $28.31 to $42.70.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $254.9M
- Revenue growth
- 116.6%
- Net income, last twelve months
- $82.6M
- Earnings per share
- $4.03
- Net margin
- 32.4%
- Free cash flow
- $56.2M
- Return on equity
- 12.8%
- Market value
- $805.0M
- Price to earnings
- 10.1x
- Dividend yield
- 3.1%
- Cash
- $99.2M
- Debt
- $260.7M
- Debt to equity
- 0.41
- Shares outstanding
- 19.7M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $244.9M | – | $74.9M | $3.61 | $13.3M | 10-K filed 9 Mar 2026 |
| FY2024 | 31 Dec 2024 | $116.9M | – | -$41.6M | -$2.75 | $72.2M | 10-K filed 12 Mar 2025 |
| FY2023 | 31 Dec 2023 | $214.0M | – | $50.3M | $3.15 | $7.9M | 10-K filed 13 Mar 2024 |
| FY2022 | 31 Dec 2022 | $213.6M | – | $56.6M | $3.56 | $125.2M | 10-K filed 9 Mar 2023 |
| FY2021 | 31 Dec 2021 | $201.6M | – | $77.7M | $4.78 | $63.6M | 10-K filed 10 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $64.3M | $21.2M | $1.04 |
| Q1 FY2026 | 31 Mar 2026 | $62.7M | $21.0M | $1.04 |
| Q4 FY2025 | 31 Dec 2025 | $64.1M | $20.0M | $0.96 |
| Q3 FY2025 | 30 Sep 2025 | $63.8M | $20.5M | $0.99 |
| Q2 FY2025 | 30 Jun 2025 | $59.7M | $17.5M | $0.85 |
| Q1 FY2025 | 31 Mar 2025 | $57.2M | $16.9M | $0.81 |
| Q4 FY2024 | 31 Dec 2024 | -$49.4M | -$82.8M | -$5.32 |
| Q3 FY2024 | 30 Sep 2024 | $50.1M | $13.5M | $0.84 |
Company events
The newest 8-K filings of 358 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 29 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 8 Sep 2026 | 8-K | Leadership change | 5.02 |
| 26 Aug 2026 | 8-K | Investor update | 7.01, 9.01 |
| 23 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 21 May 2026 | 8-K | Shareholder vote | 5.07 |
| 20 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 23 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 10 Mar 2026 | 8-K | Leadership change | 5.02 |
| 12 Feb 2026 | 8-K | Investor update | 7.01, 9.01 |
| 29 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 11 Dec 2025 | 8-K | Material agreement, New debt, Investor update, Other events | 1.01, 2.03, 7.01, 8.01, 9.01 |
| 17 Nov 2025 | 8-K | Investor update | 7.01, 9.01 |
Every filing
The newest filings with the SEC of 628 held.
| Filed | Form | Period |
|---|---|---|
| 29 Oct 2026 | 8-K | 30 Sep 2026 |
| 8 Sep 2026 | 8-K | 8 Sep 2026 |
| 26 Aug 2026 | 8-K | 26 Aug 2026 |
| 3 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 30 Jun 2026 |
| 18 Jun 2026 | 11-K | 31 Dec 2025 |
| 21 May 2026 | 8-K | 20 May 2026 |
| 20 May 2026 | 8-K | 20 May 2026 |
| 4 May 2026 | 10-Q | 31 Mar 2026 |
| 23 Apr 2026 | 8-K | 31 Mar 2026 |
| 6 Apr 2026 | DEF 14A | 30 Mar 2026 |
| 6 Apr 2026 | ARS | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 2 Sep 2026 | Zupan Mark, Director | Purchase | 608 | $40.77 | $24.8K | 15,909 | 3 Sep 2026 |
| 12 Mar 2026 | Plants William Jack Ii, Chief Financial Officer | Purchase | 660 | $30.12 | $19.9K | 6,159 | 12 Mar 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 28 Jul 2026 | BlackRock, Inc. | 13G amended | 8.3% | 1.6M |
| 14 Jul 2026 | Dimensional Fund Advisors LP | 13G | 5.1% | 1.0M |
| 15 May 2026 | Wellington Management Group LLP | 13G amended | 4.6% | 900.5K |
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 10 Feb 2026 | Wellington Management Group LLP | 13G | 5.21% | 1.0M |
Trades by members of the House
From each member's periodic transaction report.
| Traded | Member | Type | Amount | Disclosed |
|---|---|---|---|---|
| 20 Nov 2020 | Joseph D. Morelle (NY25) | Sale | $1,001 - $15,000 | 9 Dec 2020 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 742.9K | -6.62% | 7.24 |
| 30 Sep 2026 | 795.5K | +19.55% | 4.94 |
| 15 Sep 2026 | 665.4K | +19.91% | 6.1 |
| 31 Aug 2026 | 554.9K | +9.23% | 3.39 |
| 14 Aug 2026 | 508.0K | +4.68% | 3.75 |
| 31 Jul 2026 | 485.3K | -10.47% | 3.01 |
| 15 Jul 2026 | 542.0K | +8.77% | 3.82 |
| 30 Jun 2026 | 498.4K | -10.06% | 1.66 |
Funds that hold it
From each fund's latest Form 13F.
176 funds held it at 30 Jun 2026: 98 added and 32 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| PL Capital Advisors, LLC | 1,816,102 | $70.8M | 0 |
| BlackRock, Inc. | 1,667,260 | $65.0M | +189,188 |
| Dimensional Fund Advisors LP | 1,002,481 | $39.1M | +44,814 |
| Vanguard Capital Management LLC | 841,166 | $32.8M | +5,628 |
| Adage Capital Partners GP, L.l.c. | 834,969 | $32.5M | -113,472 |
| State Street Corp. | 592,493 | $23.3M | +13,374 |
| Acadian Asset Management LLC | 593,367 | $23.1M | +38,763 |
| Geode Capital Management, LLC | 586,724 | $22.9M | +18,028 |
| Ategra Capital Management, LLC | 564,100 | $22.0M | 0 |
| Two Sigma Investments, LP | 457,098 | $17.8M | +182,358 |
Peers
Companies in the same industry.
- JPMorgan Chase & Co. (JPM): revenue $199.4B, market value $913.2B
- Bank of America Corp. (BAC): revenue –, market value $358.9B
- Wells Fargo & Company (WFC): revenue $87.2B, market value $254.6B
- Citigroup Inc. (C): revenue $91.4B, market value $211.0B
- Capital One Financial Corp. (COF): revenue $62.0B, market value $128.1B
- Mizuho Financial Group Inc. (MFG): revenue $29.9B, market value $122.0B
- U.S. Bancorp (USB): revenue $29.6B, market value $94.5B
- PNC Financial Services Group, Inc. (PNC): revenue $25.0B, market value $92.5B
- Truist Financial Corp. (TFC): revenue $19.4B, market value $59.1B
- Huntington Bancshares Inc. (HBAN): revenue $10.4B, market value $32.2B