Stocktoria
FINANCIAL INSTITUTIONS INC FISI
FINANCIAL INSTITUTIONS INC (FISI) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 3.22% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FISI | FINANCIAL INSTITUTIONS INC | 3/9 | — | 10.2 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About FINANCIAL INSTITUTIONS INC
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
FAQ
Is FISI financially healthy?
FINANCIAL INSTITUTIONS INC's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does FISI pay a dividend, and is it safe?
Yes. FINANCIAL INSTITUTIONS INC pays a dividend yielding about 3.22% with a 33.0% payout ratio, rated “safe” for safety.
How profitable is FISI?
In FY2025, FINANCIAL INSTITUTIONS INC had a return on equity of 11.9%.
Is FISI overvalued or undervalued?
FINANCIAL INSTITUTIONS INC trades at about 11.6× trailing earnings — above its 10-year norm (10-year range 6.6×–15.7×, median 10.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FISI?
The average Wall-Street price target for FINANCIAL INSTITUTIONS INC is $38.50, about 8.0% below the recent price, from 2 analysts.
Is FISI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FINANCIAL INSTITUTIONS INC: a Piotroski F-score of 3/9, a P/E of about 10.2×, a dividend yield of 3.22%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.