Financial Institutions, Inc. (FISI)

In the past six months, FISI reported second-quarter 2025 results with net income of $17.5 million and diluted EPS of $0.85, and third-quarter results with net income available to common shareholders of $20.1 million, or $0.99 per diluted share. The company announced quarterly cash dividends of $0.31 per share on August 25, 2025, and November 17, 2025. The stock reached a new 52-week high in November 2025, trading as high as $30.41 and $30.53, with a share price of $29.45 as of November 21, 2025. Analysts have shown increased positivity, with upgrades and a raised target price, leading to a consensus rating of 'Moderate Buy'. The company initiated a $1.0 million share buyback program. On April 4, 2025, the stock price decreased by over 10% from $25.33 to $22.51.

The banking industry experiences seasonal trends, with lows in early winter, a spring surge in loan demand, summer stability, and a late fall/early winter increase in business. Loan-loss provisions and chargeoffs tend to cluster in the fourth quarter.

Financial Institutions, Inc. (FISI) is a financial holding company offering banking and related financial services to consumers, commercial entities, and municipal clients, operating mainly through Five Star Bank and Courier Capital, LLC. The company's major products and services include deposit products such as checking, savings, and money market accounts, lending services like commercial and residential loans, wealth management through Courier Capital, LLC, and insurance solutions via SDN.

Financial Institutions, Inc. primarily serves customers through its branch network in Western and Central New York. It has expanded commercial lending operations with loan production offices in the Mid-Atlantic region (Baltimore and Washington, D.C.) and Central New York (Syracuse). The company is headquartered in Warsaw, New York.

Based on available search results, no specific events were widely reported in the past year that significantly impacted Financial Institutions, Inc.'s brand reputation. The news primarily focused on financial performance, stock-related activities, and operational expansions.

Financial Institutions, Inc. has significant institutional ownership, with 341 institutional owners and shareholders holding 18,906,862 shares, representing 93.92% of institutional shares. Major institutional owners include PL Capital Advisors, LLC, BlackRock, Inc., and Vanguard Group Inc.