Stock Ratings / Financials / FISI / options

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Financial Institutions Inc. (FISI) Options Positioning, Max Pain & Unusual Sweeps

$40.88 +0.27% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

ROARABLE D • SELL / AVOID Cap $805.6M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FISI)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FISI.

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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
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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?

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.

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

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).

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

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.

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

What is FISI's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FISI.

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