Financial Institutions, Inc. (FISI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$41.70+1.26%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FISI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 0.4% |
| Our one-year growth estimate | diamond | -14.1% |
Growth built into the price is above our model estimate.
The price assumes 14.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
FISI — dividend update
Dated 2026-08-26
Regulation FD Disclosure. Financial Institutions, Inc. (the “Company”) issued a press release announcing that on August 26, 2026, its Board of Directors declared a cash dividend of $0.32 per common share. The Company also announced dividends of $0.75 per share on Series A 3% Preferred Stock and $2.12 per share on Series B-1 8.48% Preferred Stock. All dividends are payable October 2, 2026 to shareholders of record as of September 15, 2026. The press release issued by the Company is furnished a…
Why it matters: A dividend increase shows confidence in making money and managing funds. It can attract investors who want income.
Supportive ifAnnouncement of a dividend increase above $0.32 per share.
Worry ifNo dividend increase or a decrease in the dividend payout.
Why it matters: Net interest margin affects profits. Changes after the FOMC meeting may show shifts in competition or funding costs.
Watch forNet interest margin rises above 3.70% after the FOMC meeting on July 29, 2026.
Also watch forNet interest margin falls below 3.70% after the FOMC meeting on July 29, 2026.
Why it matters: This growth shows the company can keep making money.
Supportive ifNet income available to common shareholders grows by more than 20% YoY.
Worry ifNet income growth falls below 15% YoY.
Why it matters: Achieving the 5% growth target shows the company is on track. It reflects overall business health.
Supportive ifQ2 revenue growth of 5% or more compared to last year.
Worry ifQ2 revenue growth is below 5%. This shows ongoing challenges.
Why it matters: Growth in noninterest income shows a strong mix of services. It can help keep revenue steady.
Supportive ifNoninterest income growth exceeds 3% year over year in Q3.
Worry ifNoninterest income growth falls below 1% year over year in Q3.
Why it matters: Paying dividends shows the company is strong. It means management trusts future profits.
Watch forThe company announces a dividend of at least $0.32 per share for Q4.
Also watch forThe company cuts the dividend below $0.32 per share for Q4.
Why it matters: Stable net income shows the company is managed well. It also shows it operates efficiently.
Supportive ifNet income remains stable or increases compared to Q1.
Worry ifNet income declines compared to Q1.
Why it matters: Keeping the dividend shows good money management. It also shows care for shareholders.
Supportive ifThe company maintains the dividend at $0.32 per share in the next declaration.
Worry ifA cut in the dividend below $0.32 per share shows possible financial stress.
Why it matters: If revenue growth falls below its median, it signals a slowdown in the sector. This could hurt investor confidence in Financial Institutions, Inc.
Worry ifRevenue growth falls below 15% over the next quarter.
Less concerning ifRevenue growth remains above 15% in the next quarter.
Why it matters: Hitting this target shows strong demand for loans. It also shows good business growth. This reflects management's skill in carrying out its plans.
Supportive ifTotal loan growth reaches or exceeds 5% by the end of 2026.
Worry ifTotal loan growth remains below 5% by the end of 2026.
Why it matters: A higher efficiency ratio means costs are going up compared to income. This is a worry.
Worry ifEfficiency ratio exceeds 57% in Q3.
Less concerning ifThe efficiency ratio gets better when it is below 55% in Q3.
Why it matters: Meeting the 5% loan growth target shows strong demand and effective lending strategies.
Supportive ifQ3 loan growth reaches or exceeds 5% year over year.
Worry ifQ3 loan growth falls below 2% year over year.
Why it matters: Growth in net income shows the company is making money and working well.
Supportive ifNet income for Q3 exceeds $21.2 million.
Worry ifNet income for Q3 falls below $20.6 million.
Why it matters: Changes in net interest margin show how the company handles its interest income and costs.
Watch forNet interest margin rises above 3.70%.
Also watch forNet interest margin falls below 3.50%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$77 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $223 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,372 loss on $10,000 · 13.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.