FINANCIAL INSTITUTIONS INC
FISINasdaq
$39.32
↓ -1.8%Jul 17 close · end-of-day
Price
1Y↑ +52.1%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$783.3M
Enterprise Value
$890.5M
P/E
10.2
P/S
—
P/B
1.2
EV/EBITDA
—
PEG
22.0
FCF Yield
3.5%
Dividend Yield
3.2%
Revenue (TTM)
—
Net Income (TTM)
$79.0M
Free Cash Flow (TTM)
$27.1M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
12.5%
ROIC
—
Debt / Equity
0.3
Net Cash
-$107.2M
Return 1Y
+50.2%
Company profile
Financial Institutions, Inc. provides banking and financial services to individuals, municipalities, and businesses in New York. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties.
- CEO
- Martin K. Birmingham
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 620
- Headquarters
- New York
- Website
- fiiwarsaw.com
Management & directors
- Birmingham Martin KearneyPresident & CEO
- Burruano Samuel J JrChief Legal Officer
- Collins Laurie RChief Human Resources Officer
- Pacos Gary A.Chief Risk Officer
- Plants William Jack IiChief Financial Officer
- Quinn Kevin BChief Comm Banking Officer
Roles derived from SEC Form 4 filings.
Earnings
FISI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$1.04↑ +28.4%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $38.3M | $77.7M | $56.6M | $50.3M | -$41.6M | $74.9M |
| Diluted EPS | $2.30 | $4.78 | $3.56 | $3.15 | -$2.75 | $3.61 |
| Operating cash flow | $43.5M | $73.0M | $133.6M | $10.9M | $77.1M | $18.8M |
| Free cash flow | $39.2M | $63.6M | $125.2M | $7.9M | $72.2M | $13.3M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q3 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q3 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $25.6M | $13.5M | -$82.8M | $16.9M | $17.5M | $20.5M | $20.0M | $21.0M |
| Diluted EPS | $1.62 | $0.84 | -$5.32 | $0.81 | $0.85 | $0.99 | $0.96 | $1.04 |
| Operating cash flow | $35.7M | $2.1M | $27.0M | $10.0M | -$5.7M | -$6.9M | $21.4M | $23.7M |
| Free cash flow | $34.7M | -$299,000.00 | $26.6M | $9.2M | -$7.3M | -$7.9M | $19.3M | $23.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 17, 2026
Jul 16, 2026
Jun 30, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-05-20 | PANZARELLA ANGELA J | Award | 925 | $35.10 | $32,467.50 | filing |
| 2026-05-20 | Bovenzi David | Award | 391 | $35.10 | $13,724.10 | filing |
| 2026-05-20 | Finch Steven C. | Award | 391 | $35.10 | $13,724.10 | filing |
| 2026-05-20 | Burlew Dawn H | Award | 313 | $35.10 | $10,986.30 | filing |
| 2026-05-20 | Zupan Mark | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Burlew Dawn H | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | PANZARELLA ANGELA J | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Latella Robert N | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Glaser Robert M | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Schrader Robert L. | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Bovenzi David | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | Finch Steven C. | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | HOLLIDAY SUSAN R | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | DORN ANDREW W JR | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | VanGelder Kim E | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-05-20 | HARTING BRUCE W | Award | 1,282 | $0.00 | $0.00 | filing |
| 2026-03-20 | BIRMINGHAM MARTIN KEARNEY· President & CEO | Tax withholding | 3,847 | $30.59 | $117,679.73 | filing |
| 2026-03-20 | Plants William Jack II· Chief Financial Officer | Tax withholding | 1,044 | $30.59 | $31,935.96 | filing |
| 2026-03-20 | Quinn Kevin B· Chief Comm Banking Officer | Tax withholding | 967 | $30.59 | $29,580.53 | filing |
| 2026-03-20 | Burruano Samuel J Jr· Chief Legal Officer | Tax withholding | 870 | $30.59 | $26,613.30 | filing |
| 2026-03-20 | PACOS GARY A.· Chief Risk Officer | Tax withholding | 829 | $30.59 | $25,359.11 | filing |
| 2026-03-20 | Collins Laurie R· Chief Human Resources Officer | Tax withholding | 812 | $30.59 | $24,839.08 | filing |
| 2026-03-20 | Collins Laurie R· Chief Human Resources Officer | Option exercise | 2,254 | — | — | filing |
| 2026-03-20 | BYERS SANDRA L | Option exercise | 690 | — | — | filing |
| 2026-03-20 | PACOS GARY A.· Chief Risk Officer | Option exercise | 2,302 | — | — | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.