Stock Analysis
Financial Institutions, Inc. (FISI) Stock Analysis
Financial Institutions, Inc. (FISI) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
Financial Institutions, Inc. (FISI) currently has an AIQ Score of 61/100, indicating a neutral setup. Risk is the strongest factor at 63/100. Value is the weakest current factor at 57/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
FISI at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $41.70 |
| AIQ Score | 61/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Market Cap | $788.24M |
| P/E Ratio | 10.43 |
| Forward P/E | — |
| EPS | $1.06 |
| Revenue TTM | $30.56M |
| Dividend Yield | 0.01% |
| Beta | 0.64 |
| Volume | 131.92K |
| 52-week range | $25.61-$42.97 |
| RSI 14 | 51.49 |
| 50-Day SMA | $40.46 |
| 200-Day SMA | $35.03 |
| Analyst Price Target | $45.00 |
| Next Earnings | Oct 22, 2026 |
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FISI
OverviewFISI Stock Analysis Summary
Financial Institutions, Inc. (FISI) currently has an AIQ Score of 61/100, indicating a neutral setup. Risk resilience is the strongest factor at 63/100. Value is the weakest current factor at 57/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, FISI has AIQ Score of 61/100 with Risk resilience base of 63/100 and fading Value at 57/100. Wait for component alignment before adding exposure.
Financial Services · 1.26% stock move · FISI classified in Banks - Regional.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is FISI Bullish or Bearish Right Now?
FISI currently has a neutral overall setup. Momentum is the strongest factor at 63/100, while Value is weakest at 57/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Quality is supportive at 62/100.
- - Momentum is constructive at 63/100.
- - Risk Resilience is supportive at 63/100.
- - Price is +3.06% above its 50-day SMA.
- - Analyst target implies +7.91% upside from the latest quote.
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
FISI's Technical Analysis Consensus is currently Buy, with 30 buy, 5 neutral, and 10 sell votes. FISI's 14-day RSI is 51.49, which places the stock in a neutral momentum range. FISI's beta is 0.64, indicating lower market sensitivity than the broad market.
What Changed in FISI?
Recent score-change history is not available in the current snapshot. These are the latest market-close scores instead.
What Would Change the FISI Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
FISI Decision Framework
Public evidence layers, setup checks, and risk context for Financial Institutions, Inc..
Financial Institutions, Inc. (FISI) Stock Analysis
Financial Institutions, Inc. has an AIQ Score of 61/100 in a Neutral regime. Momentum is strongest at 63/100. Beta is 0.64, below market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | FISI is in a Neutral AIQ regime with score 61/100. |
| Signal Conflict | The primary conflict is that momentum leads at 63/100 while value lags at 57/100. |
| Factor Evidence | Momentum 63/100 · Value 57/100 · Quality 62/100 · Risk 63/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 63/100.
Momentum is 63/100 and RSI (14) is 51.5.
FISI is in a Neutral regime at 61/100.
Risk factor is 63/100 with beta 0.64 and annual volatility 25.77%.
Current conflict: momentum leads at 63/100 while value lags at 57/100.
FISI Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
FISI Fundamentals
FISI valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
FISI Technical Analysis
FISI technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
FISI Stock Catalysts
Track FISI earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
FISI Dividend Analysis
FISI dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
FISI Financial Data
FISI revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
FISI Risk Analysis
FISI volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
FISI Stock News
FISI stock news, market tone, recent headlines, and catalyst context.
FISI vs AdTech / MarTech Peers
Current peer cohort: FISI · CRNC. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| FISI Current stock | 61/100 | 57/100 | 63/100 | 63/100 | 1.56 | 25.77% | Current |
| CRNC Cerence | 51/100 | 75/100 | 42/100 | 31/100 | 0.16 | 80.76% | FISI vs CRNC |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Sep 5, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts8 recent quarterly periods are available for review.
Checked Sep 7, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching FISI
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for FISI
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
FISI Stock FAQ
What is FISI stock price today?
Financial Institutions, Inc.'s current stock price is $41.70. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is FISI bullish or bearish right now?
FISI's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is FISI's market cap?
FISI's market cap is $788.24M based on the latest completed market-close snapshot from Sep 4, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is FISI's current P/E ratio?
FISI's current P/E ratio is 10.43 based on the latest completed market-close snapshot from Sep 4, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is FISI's RSI?
FISI's 14-day RSI is 51.49 based on the latest completed market-close snapshot from Sep 4, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is FISI above its 50-day and 200-day moving averages?
FISI is 3.06% from its 50-day SMA and 19.04% from its 200-day SMA based on the latest completed market-close snapshot from Sep 4, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is FISI's next earnings date?
FISI's next earnings date is currently listed as Oct 22, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does FISI pay a dividend?
FISI's dividend yield is 0.01% based on the latest completed market-close snapshot from Sep 4, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.