Financial Institutions, Inc. (FISI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$39.51-2.30%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.5% |
| Our one-year growth estimate | diamond | -15.9% |
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.
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 2026-11-04.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 13.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FISI — earnings miss
Dated 2026-10-29
Results of Operations and Financial Condition. On October 29, 2026, Financial Institutions, Inc. (the “Company”) issued a press release to report financial results for the third quarter ended September 30, 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
Why it matters: The margin held at 3.70% in Q3 as funding costs fell year over year. A drop would signal less support for bank income.
Worry ifQ4 net interest margin is below 3.70%.
Less concerning ifQ4 net interest margin stays at or above 3.70%.
Why it matters: Q3 charge-offs rose to 0.33% from 0.11% in Q2. A further rise would test management's focus on careful lending.
Worry ifQ4 net charge-offs exceed 0.33% of average loans, or top the company's full-year guidance.
Less concerning ifQ4 net charge-offs are at or below 0.33% of average loans and within full-year guidance.
Why it matters: The board set a $0.32 quarterly common dividend in August. The next declaration will show whether that payout level continues.
Watch forThe board declares a common dividend of at least $0.32 per share.
Also watch forThe board declares a common dividend below $0.32 per share or suspends it.
Why it matters: The company set a 5% full-year loan growth goal. Q3 loans rose 5.8% from a year earlier, so Q4 results will show if growth stays on track.
Worry ifQ4 year-end loans are less than 5% above December 31, 2025 loans.
Less concerning ifQ4 year-end loans are at least 5% above December 31, 2025 loans.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$83 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $210 loss on $10,000 · 2.1% | 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.
Why it matters: The ratio rose from 55.33% in Q2 to 56.84% in Q3 as costs grew. A further rise would weaken evidence of expense control.
Worry ifQ4 efficiency ratio is above 56.84%.
Less concerning ifQ4 efficiency ratio is at or below 56.84%.