Financial Institutions, Inc. (FISI)

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The chart shows the growth of an initial investment of $10,000 in Financial Institutions, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Financial Institutions, Inc. (FISI) has returned 2.82% so far this year and 32.71% over the past 12 months. Over the last ten years, FISI has returned 5.21% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Jun 25, 1999, FISI's average daily return is +0.06%, while the average monthly return is +1.29%. At this rate, your investment would double in approximately 4.5 years.

Historically, 53% of months were positive and 47% were negative. The best month was Mar 2009 with a return of +136.7%, while the worst month was Feb 2009 at -60.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 8 months.

On a daily basis, FISI closed higher 48% of trading days. The best single day was Mar 12, 2009 with a return of +31.2%, while the worst single day was Mar 18, 2020 at -21.3%.

Financial Institutions, Inc. has an annualized alpha of 6.95%, beta of 1.12, and R² of 0.25 versus S&P 500 Index. Calculated based on daily prices since June 28, 1999.

• This stock participated in 89.34% of S&P 500 Index downside but only 89.28% of its upside — more exposed to losses than it benefited from rallies.
• R² of 0.25 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

FISI ranks 74 for risk / return — better than 74% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

The table below present risk-adjusted performance metrics for Financial Institutions, Inc. (FISI) and compare them to a chosen benchmark (S&P 500 Index).

Financial Institutions, Inc. provided a 3.94% dividend yield over the last twelve months, with an annual payout of $1.25 per share. The company has been increasing its dividends for 16 consecutive years.

The table displays the monthly dividend distributions for Financial Institutions, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Financial Institutions, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Financial Institutions, Inc. was 89.98%, occurring on Feb 27, 2009. Recovery took 1679 trading sessions.

The current Financial Institutions, Inc. drawdown is 8.80%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Financial Institutions, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Financial Institutions, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.