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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
SEC Form 4 / 13F Thermometer: 65% Net Buy • Disciplined Float (-0.32% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($40.15) and Max Pain ($42.92) forces dealer call-delta covering toward $46.50.
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.
Financial Institutions Inc. (FISI) advanced +0.27% to $40.88, trading at 86% of its 52-week range ($28.03 – $42.97). Stretched risk/reward at 11x P/E (12% return on capital) under elevated 10-year interest-rate pressure.
Financial institutions' Q3 earnings missed, but record net interest income, stable margin, and a loan cash flow outlook support a Buy. Click for more on FISI stock.
Financial Institutions stock slipped 3.8% to about US$39 after its Q3 2026 release, giving the impression of a clean miss. The headline story is more nuanced. The bank reported roughly US$19.6m in net income with US$1.00
Financial Institutions (NASDAQ:FISI) reported third-quarter results marked by commercial loan growth, stable net interest margin and increased net interest income, while management maintained its full-year profitability
Moby summary of Financial Institutions, Inc.'s Q3 2026 earnings call
Financial Institutions, Inc. (FISI) Q3 2026 Earnings Call October 30, 2026 8:30 AM EDTCompany ParticipantsKate Croft - Director of Investor & External...
Financial Institutions (NASDAQ:FISI) reported third-quarter financial results on Friday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
Financial Institutions (FISI) delivered earnings and revenue surprises of -5.71% and -2.71%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(AP) — Financial Institutions Inc. (FISI) on Thursday reported net income of $20 million in its third quarter.
Quarterly results highlighted by loan growth of 2.2% and deposit growth of 3.3%WARSAW, N.Y., Oct. 29, 2026 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the "Company," "we" or "us") today reported fina
Financial Institutions (NASDAQ:FISI) reported quarterly earnings of $0.99 per share which missed the analyst consensus estimate of $1.05 by 5.71 percent. This is unchanged from the same period last year. The company
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FISI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FISI. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why FISI Stock advanced +0.27% Today — RQD Quant Desk Flash. Stretched risk/reward at 11x P/E (12% return on capital) under elevated 10-year interest-rate pressure.