Financial Institutions Stock Performance

FISI Stock  USD 27.23  0.12  0.44%   
On a scale of 0 to 100, Financial Institutions holds a performance score of 19. The firm shows a Beta (market volatility) of 0.77, which means possible diversification benefits within a given portfolio. As returns on the market increase, Financial Institutions' returns are expected to increase less than the market. However, during the bear market, the loss of holding Financial Institutions is expected to be smaller as well. Please check Financial Institutions' semi variance, and the relationship between the treynor ratio and daily balance of power , to make a quick decision on whether Financial Institutions' price patterns will revert.

Risk-Adjusted Performance

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Compared to the overall equity markets, risk-adjusted returns on investments in Financial Institutions are ranked lower than 19 (%) of all global equities and portfolios over the last 90 days. Despite fairly unfluctuating basic indicators, Financial Institutions demonstrated solid returns over the last few months and may actually be approaching a breakup point. ...more
Forward Dividend Yield
0.0483
Payout Ratio
0.3196
Forward Dividend Rate
1.24
Dividend Date
2025-07-02
Ex Dividend Date
2025-06-13
1
Disposition of 1232 shares by Sandra Byers of Financial Institutions subject to Rule 16b-3
04/11/2025
2
Financial Institutions Q1 Earnings Snapshot
04/28/2025
3
Do Options Traders Know Something About Financial Institutions Stock We Dont
05/15/2025
4
Financial Institutions Cut to Hold at Wall Street Zen
06/24/2025
5
Financial Institutions, Inc. Schedules Second Quarter 2025 Earnings Release and Conference Call
07/01/2025
 
Financial Institutions dividend paid on 2nd of July 2025
07/02/2025
6
Best Momentum Stock to Buy for July 9th - TradingView
07/09/2025
Begin Period Cash Flow124.4 M

Financial Institutions Relative Risk vs. Return Landscape

If you would invest  2,118  in Financial Institutions on April 11, 2025 and sell it today you would earn a total of  605.00  from holding Financial Institutions or generate 28.56% return on investment over 90 days. Financial Institutions is currently generating 0.4344% in daily expected returns and assumes 1.7385% risk (volatility on return distribution) over the 90 days horizon. In different words, 15% of stocks are less volatile than Financial, and 92% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon.
  Expected Return   
       Risk  
Given the investment horizon of 90 days Financial Institutions is expected to generate 1.81 times more return on investment than the market. However, the company is 1.81 times more volatile than its market benchmark. It trades about 0.25 of its potential returns per unit of risk. The Dow Jones Industrial is currently generating roughly 0.18 per unit of risk.

Financial Institutions Market Risk Analysis

Today, many novice investors tend to focus exclusively on investment returns with little concern for Financial Institutions' investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Financial Institutions, and traders can use it to determine the average amount a Financial Institutions' price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.

Sharpe Ratio = 0.2498

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Estimated Market Risk

 1.74
  actual daily
15
85% of assets are more volatile

Expected Return

 0.43
  actual daily
8
92% of assets have higher returns

Risk-Adjusted Return

 0.25
  actual daily
19
81% of assets perform better
Based on monthly moving average Financial Institutions is performing at about 19% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Financial Institutions by adding it to a well-diversified portfolio.

Financial Institutions Fundamentals Growth

Financial Stock prices reflect investors' perceptions of the future prospects and financial health of Financial Institutions, and Financial Institutions fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Financial Stock performance.

About Financial Institutions Performance

By evaluating Financial Institutions' fundamental ratios, stakeholders can gain valuable insights into Financial Institutions' financial health, operational efficiency, and overall profitability, helping them make informed investment and management decisions. For instance, if Financial Institutions has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Financial Institutions has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements. Please also refer to our technical analysis and fundamental analysis pages.
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York. Financial Institut operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 650 people.

Things to note about Financial Institutions performance evaluation

Checking the ongoing alerts about Financial Institutions for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Financial Institutions help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.
The company reported the previous year's revenue of 264.17 M. Net Loss for the year was (41.65 M) with profit before overhead, payroll, taxes, and interest of 108.63 M.
Financial Institutions has a frail financial position based on the latest SEC disclosures
Over 84.0% of the company shares are owned by institutional investors
On 2nd of July 2025 Financial Institutions paid $ 0.31 per share dividend to its current shareholders
Latest headline from news.google.com: Best Momentum Stock to Buy for July 9th - TradingView
Evaluating Financial Institutions' performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate Financial Institutions' stock performance include:
  • Analyzing Financial Institutions' financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
  • Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Financial Institutions' stock is overvalued or undervalued compared to its peers.
  • Examining Financial Institutions' industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
  • Evaluating Financial Institutions' management team can have a significant impact on its success or failure. Reviewing the track record and experience of Financial Institutions' management team can help you assess the Company's leadership.
  • Pay attention to analyst opinions and ratings of Financial Institutions' stock. These opinions can provide insight into Financial Institutions' potential for growth and whether the stock is currently undervalued or overvalued.
It's essential to remember that evaluating Financial Institutions' stock performance is not an exact science, and many factors can impact Financial Institutions' stock market price. Therefore, it's also important to diversify your portfolio and not rely solely on one company or stock for your investments.

Complementary Tools for Financial Stock analysis

When running Financial Institutions' price analysis, check to measure Financial Institutions' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Financial Institutions is operating at the current time. Most of Financial Institutions' value examination focuses on studying past and present price action to predict the probability of Financial Institutions' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Financial Institutions' price. Additionally, you may evaluate how the addition of Financial Institutions to your portfolios can decrease your overall portfolio volatility.
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