What is Financial Institutions's market cap?

Financial Institutions (FISI) has a market capitalization of $830.0M and trades on NASDAQ.

What is Financial Institutions's revenue and profitability?

Financial Institutions generated $254.9M in trailing twelve-month revenue with net income of $82.6M, representing a net margin of 32.4%. These figures are based on the Q2 2026 filing.

Who are Financial Institutions's competitors?

Financial Institutions's key competitors include M&T Bank Corporation, KeyCorp, Community Financial System, Inc., and others. These companies compete in similar markets and product categories.

Who does Financial Institutions partner with?

Financial Institutions's notable partners include Principal Securities, Inc., Federal Home Loan Mortgage Corporation, Federal National Mortgage Association.

What subsidiaries does Financial Institutions have?

Financial Institutions's subsidiaries include Five Star Bank, Courier Capital LLC, Five Star REIT, Inc..

Where is Financial Institutions headquartered?

Financial Institutions is headquartered in United States of America and employs approximately 624 people. It has been publicly traded since 1999.

Financial Institutions

FISI

Financial Institutions Inc. is a financial holding company that provides a comprehensive suite of banking, investment management, and wealth advisory services.

Market cap

$829.98M+61.3%

Revenue$254.9M+9.8%

Net income$82.6M+337%

EPS (diluted)$4.03+243%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q2 2026 report

July 23, 2026

Revenue$64.3MBeat by $774.0K EPS$1.04Beat by $0.11

Read the full report

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$66.1M

EPS estimate$1.01

Financials

Q2 2026

Income statement

See full

Revenue$64.3M+7.7%

Net income$21.2M+20.8%

EPS (diluted)$1.04+22.4%

Balance sheet

See full

Cash & equivalents$99.2M+6.6%

Total debt$260.7M+5.1%

Total equity$643.4M+6.9%

Total assets$6.3B+3.1%

Valuation & ratios

Valuation

See full

Market cap$829.98M+61.3%

Enterprise value$991.5M+46.5%

P/E10×—

P/S3.3×—

Profitability

See full

Net margin32.4%—

Returns & leverage

See full

Return on equity13.3%+10.0pp

Debt / equity0.4×0.0×

Competitors

By market cap

M&T Bank$36.6B+20.4%

KeyCorp$24.3B+18.6%

Eastern Bankshares, Inc.$5.4B+76.9%

Community Financial System$3.4B+19.3%

Capital City Bank Group$903.6M+31.8%

Financial Institutions$830.0M+59.1%

FRA

Franklin Financial Services Corporation$287.5M+56.0%

SB Financial Group$166.6M+31.4%

By revenue growth

Eastern Bankshares, Inc.+81.8%

KeyCorp+51.7%

FRA

Franklin Financial Services Corporation+22.4%

SB Financial Group+14.2%

Community Financial System+10.0%

Financial Institutions+9.8%

M&T Bank+5.8%

Capital City Bank Group+5.2%

By net margin

Eastern Bankshares, Inc.33.5%+43.7pp

Financial Institutions32.41%+47.4pp

M&T Bank30.45%+1.8pp

Community Financial System26.55%+1.6pp

KeyCorp26.07%+22.6pp

FRA

Franklin Financial Services Corporation26.03%+7.3pp

Capital City Bank Group24.04%+0.2pp

SB Financial Group23.84%+4.8pp

Profile

Financial Institutions Inc. is a financial holding company that provides a comprehensive suite of banking, investment management, and wealth advisory services. Through its primary subsidiary, Five Star Bank, the company delivers consumer and commercial banking solutions across Western and Central New York and the Mid-Atlantic region. Its core value proposition centers on a community-based philosophy that combines personalized local service with the digital capabilities and product depth typically associated with larger financial institutions.

Competitive position

A leading community-focused financial institution in Western and Central New York with dominant market share in several rural counties.

GeographiesUnited States, New York, Maryland, Pennsylvania, Florida

Customer segmentsRetail Banking, Commercial Banking, Municipal Banking, Institutional Investors

Business modelInterest Income, Fee-based Advisory, B2B, B2C

SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB), Technology and Core Banking Software Providers, Depositors

CustomersRetail Borrowers, Commercial Real Estate Developers, Small Business Owners, Local Municipal Governments

CountryUnited States of America

Listed1999

Employees624.0

CEOMartin K. Birmingham

SectorFinancial Services

IndustryBanks - Regional

Websitefiiwarsaw.com

FilingsSEC EDGAR

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Questions, answered.

What is Financial Institutions's market cap?: Financial Institutions (FISI) has a market capitalization of $830.0M and trades on NASDAQ.
What is Financial Institutions's revenue and profitability?: Financial Institutions generated $254.9M in trailing twelve-month revenue with net income of $82.6M, representing a net margin of 32.4%. These figures are based on the Q2 2026 filing.
Who are Financial Institutions's competitors?: Financial Institutions's key competitors include M&T Bank Corporation, KeyCorp, Community Financial System, Inc., and others. These companies compete in similar markets and product categories.
Who does Financial Institutions partner with?: Financial Institutions's notable partners include Principal Securities, Inc., Federal Home Loan Mortgage Corporation, Federal National Mortgage Association.
What subsidiaries does Financial Institutions have?: Financial Institutions's subsidiaries include Five Star Bank, Courier Capital LLC, Five Star REIT, Inc..
Where is Financial Institutions headquartered?: Financial Institutions is headquartered in United States of America and employs approximately 624 people. It has been publicly traded since 1999.