# Financial Institutions (FISI) — Overview

FISI · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/fisi

## Price

Last close $39.27 on Oct 15, 2026. 52-week range $25.72 – $42.70.

## Company profile

Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $254.9M |
| Revenue (quarter) | $64.3M |
| Revenue growth (year over year) | 7.66% |
| Gross profit (trailing twelve months) | $0.00 |
| Gross margin | 0.00% |
| Net income (trailing twelve months) | $82.6M |
| Net income (quarter) | $21.2M |
| Net income growth (year over year) | 20.83% |
| Net margin | 32.41% |
| Return on equity | 13.04% |
| EPS (trailing twelve months) | $4.08 |
| Book value per share | $31.77 |
| P/E (trailing twelve months) | 9.5 |
| Price to book | 1.2 |
| Debt to assets | 89.84% |
| Payout ratio | 33.97% |
| Dividend yield | 3.25% |

## Frequently Asked Questions

### Is Financial Institutions (FISI) profitable?

Yes. Financial Institutions earned $82.6M in net income over the trailing twelve months, a net margin of 32.41%.

### How much revenue does Financial Institutions (FISI) make?

Financial Institutions generated $254.9M in revenue over the trailing twelve months, up 7.66% year over year.

### What is FISI's P/E ratio?

Financial Institutions trades at 9.5 times trailing twelve-month earnings, on an EPS of $4.08.

### How do I buy stock in Financial Institutions (FISI)?

FISI trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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Quotes and charts are not real-time and must not be relied on for trade decisions or valuation.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).