FISI vs. VOO
FISI (Financial Institutions, Inc.) is a stock, while VOO (Vanguard S&P 500 ETF) is S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, FISI returned 9.18%/yr vs 15.14%/yr for VOO. Their 0.47 correlation means their historical movements had little consistent relationship.
Performance
FISI vs. VOO - Performance Comparison
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Returns By Period
In the year-to-date period, FISI achieves a 35.57% return, which is significantly higher than VOO's 10.16% return. Over the past 10 years, FISI has underperformed VOO with an annualized return of 9.18%, while VOO has yielded a comparatively higher 15.14% annualized return.
FISI
- 1D
- 0.48%
- 1M
- 6.25%
- 6M
- 28.29%
- YTD
- 35.57%
- 1Y
- 73.18%
- 3Y*
- 36.54%
- 5Y*
- 12.48%
- 10Y*
- 9.18%
- ALL TIME*
- 7.56%
VOO
- 1D
- 0.71%
- 1M
- 0.26%
- 6M
- 8.58%
- YTD
- 10.16%
- 1Y
- 21.58%
- 3Y*
- 19.42%
- 5Y*
- 12.83%
- 10Y*
- 15.14%
- ALL TIME*
- 14.78%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $6.89M | $5.93M | $5.97M | |
| $3.82B | $3.78B | $5.44B |
FISI vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 35.57% | 19.47% | 35.54% | -6.75% | -19.99% | 46.37% | -26.01% | 29.19% | -14.77% | -6.52% |
VOO Vanguard S&P 500 ETF | 10.16% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Correlation
The correlation between FISI and VOO is 0.34, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.34 |
Correlation (3Y) Balances recent behavior with more history. | 0.38 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.42 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.42 |
Correlation (All Time) Calculated using the full available price history since Sep 9, 2010 | 0.47 |
The correlation between FISI and VOO shifts across timeframes, from 0.34 (1 year) to 0.47 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
FISI vs. VOO — Risk / Return Rank
FISI
VOO
FISI vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Financial Institutions, Inc. (FISI) and Vanguard S&P 500 ETF (VOO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FISI | VOO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.10 | ||
| Sortino ratioReturn per unit of downside risk | +1.59 | ||
| Omega ratioGain probability vs. loss probability | 1.47 | 1.28 | +0.19 |
| Calmar ratioReturn relative to maximum drawdown | 5.08 | 2.21 | +2.87 |
| Martin ratioReturn relative to average drawdown | 16.47 | 9.44 | +7.04 |
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Drawdowns
FISI vs. VOO - Drawdown Comparison
The maximum FISI drawdown since its inception was -89.98%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for FISI and VOO.
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Drawdown Indicators
| FISI | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.98% | -33.99% | -55.99% |
Max Drawdown (1Y)Largest decline over 1 year | -13.72% | -8.90% | -4.82% |
Max Drawdown (3Y)Largest decline over 3 years | -27.83% | -18.69% | -9.14% |
Max Drawdown (5Y)Largest decline over 5 years | -52.44% | -24.52% | -27.92% |
Max Drawdown (10Y)Largest decline over 10 years | -56.38% | -33.99% | -22.39% |
Current DrawdownCurrent decline from peak | -1.66% | -1.38% | -0.28% |
Average DrawdownAverage peak-to-trough decline | -26.23% | -3.67% | -22.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.24% | 2.08% | +2.16% |
Volatility
FISI vs. VOO - Volatility Comparison
Financial Institutions, Inc. (FISI) has a higher volatility of 8.44% compared to Vanguard S&P 500 ETF (VOO) at 3.54%. This indicates that FISI's price experiences larger fluctuations and is considered to be riskier than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FISI | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.44% | 3.54% | +4.90% |
Volatility (6M)Calculated over the trailing 6-month period | 17.07% | 10.10% | +6.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.41% | 12.82% | +13.59% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.75% | 16.93% | +14.82% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.06% | 18.01% | +18.05% |
Dividends
FISI vs. VOO - Dividend Comparison
FISI's dividend yield for the trailing twelve months is around 3.04%, more than VOO's 1.07% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 3.04% | 3.98% | 4.40% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% |
VOO Vanguard S&P 500 ETF | 1.07% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Frequently Asked Questions
FISI and VOO have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FISI has higher volatility (8.44%) compared to VOO (3.54%). In terms of maximum drawdown, FISI dropped -89.98% vs VOO's -33.99%.
FISI currently has the higher Sharpe Ratio (2.64 vs 1.53), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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