Financial Institutions, Inc.
FISIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeFinancial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. Valued at $799.7M, FISI is a small-cap name in its sector. 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.
Market Cap
$799.7M
Beta
0.64
P/E (TTM)
10.07
P/E (Fwd)
9.44
EPS (TTM)
$4.03
EPS (Fwd)
$4.30
ROE
13.3%
ROA
1.3%
Cash
$128.4M
Total Debt
$320.0M
Free CF
—
52W Change
37.8%
Annual Financials
Cash vs Debt
Where FISI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, FISI finished 5.15% above its 150-day moving average ($37.27) and 9.32% above its 200-day moving average ($35.85). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is FISI overbought or oversold?
At the October 20, 2026 close, FISI's RSI(14) was 49.0, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $128.4M in cash, though total debt stands at $320.0M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 13.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $212.3M to $243.5M.
FISI's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing FISI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.