FINANCIAL INSTITUTIONS INC (FISI)
Financials · Community Banking & Wealth Management · NASDAQ
A community-focused financial holding company blending traditional retail and commercial banking across New York with a $3.6B wealth management subsidiary.
What FINANCIAL INSTITUTIONS INC does
Financial Institutions, Inc. is a financial holding company operating through Five Star Bank, a New York-chartered community bank with 48 full-service branches across Western and Central New York plus Mid-Atlantic loan offices, and Courier Capital LLC, an SEC-registered investment advisory firm managing $3.6 billion in assets. The Bank provides deposit products, consumer and commercial lending, and other banking services to individuals, small- to medium-sized businesses, municipalities, and community organizations, while Courier Capital offers customized investment management, wealth management, and retirement plan services.
Themes: ["Community banking","Wealth management / investment advisory","Residential mortgages","Commercial real estate lending","Deposit products"]
Fundamentals
- Price$38.72 as of 2026-07-09 close
- Market cap$747M as of 2026-07-10
- 1-year return+37.6% as of 2026-07-09 close
- P/E9.46 as of 2026-07-10
- Net margin+24.7% as of 2026-07-10
- ROE+12.7% as of 2026-07-10
- Debt / equity0.12 as of 2026-07-10
- Revenue growth (YoY)+46.9% as of 2026-07-10
- Beta0.66 as of 2026-07-10
Dividend: yield +3.4%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration risk in Western and Central New York markets limits diversification and exposes earnings to regional economic downturns","Rising interest expense on deposits and borrowings may compress net interest margins as funding costs increase","Cybersecurity threats to banking operations and customer data pose operational and regulatory risks"]
Competitors & peers
- KeyBank
- M&T Bank
- HSBC Bank USA
- Tompkins Financial
- Pathward Financial
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.