FISI
Financial Institutions, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
41.20
▲ 0.41 (1.01%)
MARKET · —
Price
Open
41.12
Prev close
40.79
Day high
41.20
Day low
40.54
Volume
195.09K
Market cap
$811.90M
P/E (TTM)
10.22
52W range
25.61 – 42.97
Trailing performance
Returnvs SPY
1W
-1.32%
+0.1%
1M
+6.40%
+2.7%
3M
+16.48%
+13.4%
6M
+22.11%
+11.0%
YTD
+32.18%
+19.9%
1Y
+58.77%
+38.8%
3Y
+127.37%
+53.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$811.90M
Enterprise value$1.02B
Revenue (TTM)$243.46M
Gross profit$243.46M
EBITDA—
Net income$81.17M
EPS (TTM)$4.03
Free cash flow—
Total cash$128.36M
Total debt$320.00M
Book value / share$31.77
Shares outstanding19.71M
Float17.33M
Short % of float2.52%
Dividend yield3.06%
Beta (5Y)0.64
Valuation & profitability ratios
Trailing P/E10.22
Forward P/E9.58
PEG ratio1.41
Price / sales—
Price / book1.30
EV / revenue4.19
EV / EBITDA—
Gross margin0.00%
Operating margin43.60%
Profit margin33.94%
Return on equity13.27%
Return on assets1.32%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $244.94M | $216.96M | $213.96M | $213.64M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $73.41M | -$25.98M | $48.80M | $55.11M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $73.41M | -$25.98M | $48.80M | $55.11M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.93 | 1.04 | +11.8% |
| Mar 2026 | 0.92 | 1.04 | +13.0% |
| Dec 2025 | 0.95 | 0.96 | +1.6% |
| Sep 2025 | 0.88 | 0.99 | +12.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.05 | 2 | $66.55M | +4.2% |
| Next quarter | 1.07 | 2 | $67.27M | +4.9% |
| Current year | 4.19 | 2 | $260.89M | +6.5% |
| Next year | 4.30 | 2 | $272.96M | +4.6% |
Analyst targets & ownership
Mean target$45.00
High target$45.00
Low target$45.00
Implied upside9.22%
Analyst count2
ConsensusNONE
Strong buy / Buy1 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders2.58%
Held by institutions81.29%
Institutions holding228
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
508.62K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| May 20, 26 | HOLLIDAY SUSAN R Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | PANZARELLA ANGELA J. Director |
STOCK | 2.21K | $32.47K | Direct |
| May 20, 26 | DORN ANDREW W JR Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | ZUPAN MARK A Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | LATELLA ROBERT N Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | GLASER ROBERT M Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | VANGELDER KIM E Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | BURLEW DAWN H. Director |
STOCK | 1.59K | $10.99K | Direct |
| May 20, 26 | FINCH STEVEN C. Director |
STOCK | 1.67K | $13.72K | Direct |
| May 20, 26 | SCHRADER ROBERT L. Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | HARTING BRUCE W. Director |
STOCK | 1.28K | $0 | Direct |
| May 20, 26 | BOVENZI DAVID Director |
STOCK | 1.67K | $13.72K | Direct |
| Mar 20, 26 | BIRMINGHAM MARTIN KEARNEY Chief Executive Officer |
— | 10.67K | — | Direct |
| Mar 20, 26 | BURRUANO SAMUEL J JR. Officer |
— | 2.42K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BIRMINGHAM MARTIN KEARNEY |
Chief Executive Officer | 160.16K | Conversion of Exercise of derivative security |
BOSWELL DONALD K |
Director | 16.66K | Stock Award(Grant) |
BURLEW DAWN H. |
Director | 22.25K | Stock Award(Grant) |
DORN ANDREW W JR |
Director | 39.07K | Stock Award(Grant) |
GLASER ROBERT M |
Director | 50.83K | Stock Award(Grant) |
GULLO SAMUEL M |
Director | 40.84K | Purchase |
HOLLIDAY SUSAN R |
Director | 42.68K | Stock Award(Grant) |
LATELLA ROBERT N |
Director | 48.85K | Stock Award(Grant) |
VANGELDER KIM E |
Director | 30.36K | Stock Award(Grant) |
ZUPAN MARK A |
Director | 15.30K | Stock Award(Grant) |
Moving averages & technicals
SMA 10
41.45
-0.61% from price
SMA 20
41.66
-1.11% from price
SMA 50
39.86
+3.36% from price
SMA 100
37.32
+10.39% from price
SMA 200
34.45
+19.59% from price
EMA 12
41.36
-0.38% from price
EMA 26
40.95
+0.61% from price
EMA 50
39.84
+3.41% from price
RSI (14)
53.1
Neutral
MACD (12,26,9)
0.41
Hist -0.23
ATR (14)
0.67
1.62% of price
Realised vol 30D
22.6%
Annualised
Bollinger upper
42.68
20, 2σ
Bollinger lower
40.64
20, 2σ
50 / 200 cross
Golden
39.86 vs 34.45
Trend bias
Above 200
+19.59%
Risk profile
Beta vs SPY
0.70
Less volatile than market
Correlation to SPY
0.35
Loosely linked
Realised vol 30D
22.6%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-55.1%
Peak to trough
ATR 14
0.67
1.62% of price
Beta (reported)
0.64
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
3.20
Put-heavy session
Put / call open interest
9.32
Positioning, not flow
Max pain
35.00
-15.0% from spot
ATM implied vol
75.2%
Nearest strike to spot
Skew (10% OTM)
+106.5%
Puts bid over calls
Call volume
5
Contracts, this expiry
Put volume
16
Contracts, this expiry
Heaviest call OI
35.00
23 contracts
Heaviest put OI
25.00
245 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.