$40.99
Closed
-(-)

At close

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About

Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Warsaw New York, New York and currently employs 631 full-time employees. The company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. The company offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. The company offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. The company offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
Country

US

CEO

Mr. Martin Birmingham

IPO date

1999

Employees

631

ISIN

US3175854047

Key stats

Open

$40.79

Volume

154.07K

Market cap

$803.82M

Prev. close

$40.77

Impl / hst vl

-

Open interest

$0.00

$40.54

Day’s Range

$41.13

$29.46

52W Range

$42.97

Valuation

66
Valuation score
Undervalued
P/E
9.99
P/S
-
NIM
0.94
ROE
13.09
Efficiency ratio
37.87
FCF growth
-5.32%
LLP / Net income
14.93%

Jul

2

Dividends

The last payment date was Jul 2, 2026

Div. per Share

$0.32

Div. Yield

0.78%

Payout Ratio

32.01%

Div. Growth YoY

0.00%

Analysts estimates

Consensus rating
Buy

The average rating from top 4 analysts indicates that stock is expected to perform in line with the market

Str. Sell
Sell
Hold
Buy
Str. Buy
Avg. price target
$45.90
The top 4 analysts forecasts that 12-month price may increase by 11.98%, with a low of $45.45 and a high of $47.25
$45.45
Low
$45.90
Avg
$47.25
High
Current price

Earnings

Q2 ‘26 interest income
$83.08M
Q2 ‘26 net income
$20.82M
Interest income
Net income
Previous EPS
$1.04
Estimate EPS
$0.95
Actual EPS
Estimate EPS
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