Stock Ratings / Financials / FISI / earnings

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Financial Institutions Inc. (FISI) Next Earnings Date & Expected ±4.5% Move

$40.88 +0.27% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.82

Financial Institutions Inc. (FISI) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $805.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FISI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FISI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, Financial Institutions Inc. (NASDAQ: FISI) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $40.88 (+0.27% 1D, market cap $805.6M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FISI ranks #851 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FISI compare to IBCP and ALRS in the Financials sector?

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Within the Financials sector (Major Banks), FISI carries a Roarable D (50/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 11.9%. By comparison, IBCP (Independent Bank Corporation) holds a C+ grade (66/100 RQD, P/E 12.0x, ROIC 13.6%, cap $819.2M) and ALRS (Alerus Financial Corporation) posts a C+ grade (66/100 RQD, P/E 47.2x, ROIC 3.1%, cap $823.4M). Among the 5-stock peer group, FISI leads on earnings multiple (10.8x) while IBCP leads on capital efficiency (13.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FISI?

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Per FISI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000862831), Financial Institutions Inc. generated $0 in revenue, $74.9M in net income, and $13.3M in free cash flow against $6.27B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $40.82 (-0.14%)🧬 Disciplined Float (-0.32% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FISI)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY FISI SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Disciplined Float (-0.32% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$38.45+2.2% Next Q

Q2 (-2Q)

Grade D$39.31+3.2% Next Q

Q3 (-1Q)

Grade D$40.58+0.7% Next Q

Current

Grade D$40.88-1.4% Hist 90D α

Trajectory: D (42) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FISI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FISI currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($40.15) and Max Pain ($42.92) forces dealer call-delta covering toward $46.50.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.32% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FISI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FISI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.5% Swing Band

±$1.84 Expected Swing

MODEL EARNINGS SETUP GAUGE

FISI Quantitative Pre-Earnings Setup: 50/100

Trailing EPS: $3.80 • YoY Revenue Growth: 12.4%

Model Bullish Setup (50/100)Model Risk Weight (50/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$74.9M	$13.3M	52%
FY 2024	2024-12-31	$0	-$41.6M	$72.2M	52%
FY 2023	2023-12-31	$0	$50.3M	$10.9M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FISI)

✓Walkthrough of FISI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FISI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.99%▲ RESISTANCE BREAKOUT

2026-10-30O $38.74H $40.88L $38.25C $40.88VOL 256.2K

RES: $40.37SUP: $37.87SMA50: $40.15SMA200: $36.73

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FISI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FISI Butterfly Map → + Track FISI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FISI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FISI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FISI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FISI)

Financials Rank #851 of 1096 ⚔️ IBCP vs FISI Full Matrix →

1. Head-to-Head Financials Peer Comparison (FISI vs. IBCP, ALRS, SPFI, RCBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Financial Institutions Inc. (FISI) ranks #851 by composite RQD confidence (50/100, grade D) and #603 by equity capitalization ($805.6M). Within this direct 5-issuer industry benchmark cohort, FISI leads on earnings valuation at 10.8x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and — gross margin. SPFI currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FISI at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FISI ACTIVE Financial Institutions Inc.	D	50/100	10.8x	—	11.9%	+0.27%	$805.6M	Benchmark Subject
IBCP Independent Bank Corporation	C+	66/100	12.0x	—	13.6%	+0.49%	$819.2M	/ibcp-vs-fisi →
ALRS Alerus Financial Corporation	C+	66/100	47.2x	—	3.1%	+2.36%	$823.4M	/alrs-vs-fisi →
SPFI South Plains Financial Inc.	B-	71/100	14.2x	—	11.8%	+1.05%	$832.5M	/spfi-vs-fisi →
RCBC River City Bank	D+	57/100	—	—	—	-0.30%	$834.2M	/rcbc-vs-fisi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000862831

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Financial Institutions Inc. (FISI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $74.9M, operating cash flow of $18.8M, and free cash flow of $13.3M (-81.6% YoY). On the balance sheet, FISI closed FY2025 with $6.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$74.9M	$18.8M	$13.3M	$6.27B	—
FY2024 (FY)	2024-12-31	$0	-$41.6M	$77.1M	$72.2M	$6.12B	—
FY2023 (FY)	2023-12-31	$0	$50.3M	$10.9M	$10.9M	—	—

3. FISI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FISI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FISI compare to IBCP and ALRS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FISI?

Where is FISI trading relative to its 50-day, 200-day, and 52-week technical levels?

FISI last traded at $40.88 (+0.27% on volume of 93,534 shares), positioning the stock +1.82% above its 50-day simple moving average ($40.15) and +11.30% above its 200-day simple moving average ($36.73). Across its 52-week range of $28.03 to $42.97, FISI sits at the 86.0% percentile with a 14-day RSI of 43.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($39.04 to $42.72).

FISI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FISI's next earnings date?

Based on SEC filing cadence, Financial Institutions Inc. (FISI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FISI stock expected to move on earnings?

Volatility modeling currently projects a ±4.5% event move for FISI, spanning a range between $39.04 and $42.72.

Direct Sub-Reports: FISI RQD Cockpit FISI 12M Forecast FISI Earnings & Move FISI Dividends & DRIP FISI Insiders & 13F FISI Whale Options FISI Profit Sankey FISI News & Why