Financial Institutions, Inc.
FISIFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Financial Institutions, Inc. (FISI) is listed under Banks - Regional. At a $821.8M market cap, Financial Institutions, Inc. ranks as a small-cap company within financial services. 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
$821.8M
Beta
0.64
P/E (TTM)
10.35
P/E (Fwd)
9.70
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
50.8%
Annual Financials
Cash vs Debt
Where FISI stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, FISI finished 11.87% above its 150-day moving average ($35.79) and 16.13% above its 200-day moving average ($34.48). 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 September 2, 2026 close, FISI's RSI(14) was 23.0, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, FISI has $128.4M in cash with $320.0M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 13.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
With a beta below 0.7, Financial Institutions, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing FISI.