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How to buy Financial Institutions stock

Learn how to easily invest in Financial Institutions stock.

Financial Institutions Inc is a banks-regional business based in the US. Financial Institutions shares (FISI) are listed on the NASDAQ and all prices are listed in US Dollars. Financial Institutions employs 650 staff and has a trailing 12-month revenue of around $205.6 million.

How to buy shares in Financial Institutions

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – FISI – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.
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Financial Institutions stock price (NASDAQ: FISI)

Use our graph to track the performance of FISI stocks over time.

Financial Institutions shares at a glance

Information last updated 2022-09-26.
Latest market close$23.86
52-week range$24.16 - $33.37
50-day moving average $26.18
200-day moving average $28.98
Wall St. target price$32.67
PE ratio 5.8449
Dividend yield $1.12 (4.74%)
Earnings per share (TTM) $4.19

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Financial Institutions stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Financial Institutions price performance over time

Historical closes compared with the close of $23.86 from 2022-09-27

1 week (2022-09-21) -4.45%
1 month (2022-08-24) -9.96%
3 months (2022-06-28) -9.45%
6 months (2022-03-24) N/A
1 year (2021-09-28) -21.77%
2 years (2020-09-28) 53.84%
3 years (2019-09-27) 30.63
5 years (2017-09-28) 28.45

Is Financial Institutions stock undervalued or overvalued?

Valuing Financial Institutions stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Financial Institutions's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Financial Institutions's P/E ratio

Financial Institutions's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 6x. In other words, Financial Institutions shares trade at around 6x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Financial Institutions's PEG ratio

Financial Institutions's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.91. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Financial Institutions's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Financial Institutions financials

Revenue TTM $205.6 million
Operating margin TTM 43.01%
Gross profit TTM $210 million
Return on assets TTM 1.24%
Return on equity TTM 14.77%
Profit margin 32.79%
Book value $26.64
Market capitalisation $375.5 million

TTM: trailing 12 months

Financial Institutions share dividends

27%

Dividend payout ratio: 27.27% of net profits

Recently Financial Institutions has paid out, on average, around 27.27% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.74% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Financial Institutions shareholders could enjoy a 4.74% return on their shares, in the form of dividend payments. In Financial Institutions's case, that would currently equate to about $1.12 per share.

While Financial Institutions's payout ratio might seem fairly standard, it's worth remembering that Financial Institutions may be investing much of the rest of its net profits in future growth.

Financial Institutions's most recent dividend payout was on 2 October 2022. The latest dividend was paid out to all shareholders who bought their shares by 14 September 2022 (the "ex-dividend date").

Financial Institutions share price volatility

Over the last 12 months, Financial Institutions's shares have ranged in value from as little as $24.1578 up to $33.3652. A popular way to gauge a stock's volatility is its "beta".

FISI.US volatility(beta: 0.99)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Financial Institutions's is 0.9876. This would suggest that Financial Institutions's shares are less volatile than average (for this exchange).

Financial Institutions overview

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. 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, New York.

Frequently asked questions

What percentage of Financial Institutions is owned by insiders or institutions?
Currently 2.167% of Financial Institutions shares are held by insiders and 69.516% by institutions.
How many people work for Financial Institutions?
Latest data suggests 650 work at Financial Institutions.
When does the fiscal year end for Financial Institutions?
Financial Institutions's fiscal year ends in December.
Where is Financial Institutions based?
Financial Institutions's address is: 220 Liberty Street, Warsaw, NY, United States, 14569
What is Financial Institutions's ISIN number?
Financial Institutions's international securities identification number is: US3175854047
What is Financial Institutions's CUSIP number?
Financial Institutions's Committee on Uniform Securities Identification Procedures number is: 317585404

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