Financial Institutions, Inc. (FISI)
Company Info
Highlights
$541.55M
-$2.05
1.91
$188.46M
$63.89M
$34.94M
$16.12 - $29.43
$33.00
1.33%
1.27
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Financial Institutions, Inc. (FISI) returned -0.13% year-to-date (YTD) and 49.31% over the past 12 months. Over the past 10 years, FISI returned 5.49% annually, underperforming the S&P 500 benchmark at 10.89%.
FISI
-0.13%
20.49%
2.66%
49.31%
15.90%
5.49%
^GSPC (Benchmark)
1.30%
12.79%
1.49%
12.35%
15.12%
10.89%
Monthly Returns
The table below presents the monthly returns of FISI, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -3.37% | 6.26% | -9.85% | 1.72% | 6.07% | -0.13% | |||||||
| 2024 | -1.88% | -12.15% | 4.18% | -8.50% | 2.26% | 11.64% | 36.23% | -1.14% | -0.92% | -5.73% | 13.12% | 1.54% | 35.54% |
| 2023 | 1.44% | 1.01% | -21.65% | -9.34% | -10.13% | 1.95% | 21.85% | -8.76% | -2.16% | -5.88% | 9.60% | 24.60% | -6.75% |
| 2022 | 1.38% | -0.93% | -4.83% | -7.60% | 1.11% | -6.55% | 1.88% | -1.81% | -6.45% | -1.00% | 6.25% | -2.63% | -19.99% |
| 2021 | 1.73% | 19.62% | 11.61% | 5.41% | 0.63% | -5.84% | -1.87% | 7.88% | -2.60% | 4.14% | -3.51% | 4.13% | 46.37% |
| 2020 | -4.02% | -12.66% | -31.62% | 6.67% | -8.58% | 6.61% | -20.63% | 16.66% | -9.25% | 15.13% | 12.86% | 13.73% | -26.01% |
| 2019 | 4.36% | 12.38% | -9.04% | 1.18% | -1.71% | 8.84% | 5.63% | -5.62% | 4.72% | 4.14% | 3.66% | -0.71% | 29.19% |
| 2018 | 0.16% | -1.44% | -2.86% | 5.07% | 2.41% | 4.05% | -3.65% | 1.89% | -2.08% | -9.08% | 5.36% | -13.80% | -14.77% |
| 2017 | -3.66% | 3.79% | -3.05% | 1.67% | -8.51% | -2.10% | -1.34% | -7.48% | 6.70% | 13.89% | 0.76% | -5.26% | -6.52% |
| 2016 | -1.96% | -3.39% | 10.43% | -3.68% | -0.14% | -6.09% | 3.18% | -0.07% | 1.61% | -0.96% | 14.15% | 12.30% | 25.66% |
| 2015 | -12.41% | 2.22% | 2.71% | 2.70% | -2.04% | 8.58% | -1.21% | 0.94% | 0.86% | 5.41% | 4.40% | 3.45% | 15.04% |
| 2014 | -15.50% | 5.56% | 5.32% | 0.57% | -0.39% | 2.36% | -5.21% | 8.20% | -5.64% | 11.83% | -5.69% | 6.92% | 5.12% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 87, FISI is among the top 13% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Financial Institutions, Inc. (FISI) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Financial Institutions, Inc. provided a 4.49% dividend yield over the last twelve months, with an annual payout of $1.21 per share. The company has been increasing its dividends for 15 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.21 | $1.20 | $1.20 | $1.16 | $1.08 | $1.04 | $1.00 | $0.96 | $0.85 | $0.81 | $0.80 | $0.77 |
Dividend yield | 4.49% | 4.40% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% | 3.06% |
Monthly Dividends
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $0.31 | |||||||
| 2024 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $1.20 |
| 2023 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $1.20 |
| 2022 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $1.16 |
| 2021 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $1.08 |
| 2020 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $1.04 |
| 2019 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $1.00 |
| 2018 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.96 |
| 2017 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.22 | $0.85 |
| 2016 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.21 | $0.81 |
| 2015 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.80 |
| 2014 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.20 | $0.77 |
Dividend Yield & Payout
Dividend Yield
Financial Institutions, Inc. has a dividend yield of 4.49%, which is quite average when compared to the overall market.
Payout Ratio
Financial Institutions, Inc. has a payout ratio of 31.70%, which is quite average when compared to the overall market. This suggests that Financial Institutions, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
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.
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Worst Drawdowns
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 8.02%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -89.98% | May 3, 2002 | 1717 | Feb 27, 2009 | 1679 | Oct 28, 2015 | 3396 |
| -56.38% | Dec 18, 2019 | 62 | Mar 18, 2020 | 244 | Mar 8, 2021 | 306 |
| -52.44% | Jan 10, 2022 | 331 | May 4, 2023 | 406 | Dec 13, 2024 | 737 |
| -31.45% | Aug 28, 2001 | 47 | Nov 6, 2001 | 49 | Jan 17, 2002 | 96 |
| -28.84% | Jun 30, 1999 | 133 | Jan 24, 2000 | 122 | Sep 14, 2000 | 255 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
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.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Financial Institutions, Inc., comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 10.8% positive surprise.
Valuation
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.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for FISI compared to other companies in the Banks - Regional industry. FISI currently has a PEG ratio of 1.9. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for FISI relative to other companies in the Banks - Regional industry. Currently, FISI has a P/S ratio of 5.0. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for FISI in comparison with other companies in the Banks - Regional industry. Currently, FISI has a P/B value of 1.0. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
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