Financial Institutions, Inc. (FISI)

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Financial Institutions, Inc. (FISI) is up 23.9% since the beginning of the year. At $38 per share, FISI is trading just below its 52-week high of $38. Investors who bought $1,000 worth of FISI shares 5 years ago would now be looking at an investment worth $1,596.

Financial Institutions, Inc. (FISI) has returned 23.90% so far this year and 60.33% over the past 12 months. Over the last ten years, FISI has returned 8.42% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% 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 +1.35%. At this rate, an investment would double in approximately 4.3 years.

Historically, 54% of months were positive and 46% 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 7.28%, beta of 1.12, and R2 of 0.25 versus S&P 500 Index. Calculated based on daily prices since June 25, 1999.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (90.14%) than losses (88.16%) - typical of diversified or defensive assets.
• 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 91 for risk / return — in the top 91% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

Financial Institutions, Inc. provided a 3.33% dividend yield over the last twelve months, with an annual payout of $1.26 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 0.03%.

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.