Financial Institutions stock
FISINASDAQFinancial Institutions, Inc., Financial ServicesISIN US3175854047
65Score 65 out of 100, Neutral
Price and trend
63 / 100
Price history
+35% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 8.0% above it.
Since August 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 46).
The price is 6.2% below its 52-week high. Largest decline in 20 years: 86% (January 2007 to February 2009).
Chart figures for advanced users
- SMA 50$40.00
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$37.08
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)46
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$28.31
- The lowest closing price of the last twelve months.
- Resistance$42.70
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Financial Institutions, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $781.62M, is number 324 of 422 companies in its industry on MEQIRI.
- MEQIRI Score 65 out of 100 (Neutral): rank 595 of 976 in Financial Services, median 68.
- The P/E is 9.9 (Banks (Regional) median 12.2, own median of recent years 9.8).
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- Our model puts fair value at $37.42, with the price 7% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 17 years.
Weaknesses
- DilutionShare count up 25% since 2020.Capital allocation 43
Its standout strengths are stability and momentum, while capital allocation holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 66 to 65.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $31.18 and expensive above $46.78 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $25.26 (cash-flow model) and $49.58 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $35.32, at 7.8% it would be $40.58.
Valuation metrics
Half from the dividend model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Sep 2026, revenue rose 1.8% on the same quarter a year earlier. Revenue has grown solidly since 2006, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 37%, net 31%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 37%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 1 Feb 2027in 81 days
- Last reported
- 29 Oct 2026EPS reported $0.99 (expected $1.05)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $4.16−0.8%
- Revenue
- $260.19M−0.3%
- Earnings per share
- $4.33+0.6%
- Revenue
- $273.19M+0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +6.5%Guidance raised: net interest margin of about 3.70% (previously upper 3.60s), ROA of at least 1.3% (previously 1.22%), ROE of at least 12.5% (previously 11.9%).
“Given our year-to-date return on average assets, we are raising our original guide from 1.22% to at least 1.3%. Similarly, we now expect to achieve return on average equity for the full year of at least 12.5%, up from the 11.9% we had guided.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 24 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
2 insiders bought on the open market in the last 6 months, $87,963 in total.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Financial Institutions
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- SmartFinancialSMBK $820.73M68
- Independent BankIBCP $811.16M70
- South Plains FinancialSPFI $810.84M67
- Southern Missouri BancorpSMBC $782.93M69
- VersaBankVBNK $770.6M60
- Shore BancsharesSHBI $758.73M69
- HomeTrust BancsharesHTB $748.43M74
- Washington Trust BancorpWASH $747.12M62
ETFs that hold Financial Institutions
Held by 7 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.04% | 0.39% | €1.47B |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.04% | 0.35% | €204.34M |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.04% | 0.29% | €182.46M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.03% | 0.30% | €185.82M |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.