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FISI
FISI
Financial Institutions Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$41.25
+0.63 ▲ +1.55%
🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)
$41.27
+0.02 ▲ +0.05%

파이낸셜 기관즈(FISI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$813M
스몰캡
P/E
10.2
저평가 구간
배당수익률
3.10%
52주 위치
100%
저점 +68% · 고점 0%
애널리스트
매수
B-
Fundamental health
vs. Banks - Regional 소형주· based on 3 axes
수익성
Top 28%
성장
Top 44%
밸류에이션
Top 55%
재무 안정
데이터 부족
💰 Is this stock pricier than usual right now?
Compared to this company's own recent 4년 (not other companies).
Very cheap
Cheap
Typical
Pricey
🔥 Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 10원. Over the past 4년, it usually traded around 7원. One of the priciest stretches of the past 4년.
Pricy doesn't mean bad — it means expectations are already baked in.· based on 4 profitable years
Index RUTP/E 10.24EPS (ttm) 4.03Insider Own 2.57%Shs Outstand 19.7MPerf Week 4.94%
Market Cap 0.81BForward P/E 9.76EPS next Y 3.94%Insider Trans 0.13%Shs Float 19.2MPerf Month 6.59%
Enterprise Value -PEG -EPS next Q 1.03Inst Own 81.34%Short Float 2.82%Perf Quarter 22.37%
Income 0.08BP/S 2.16EPS this Y 12.6%Inst Trans 0.38%Short Ratio 3.64Perf Half Y 28.83%
Sales 0.38BP/B -EPS next 5Y -ROA 1.32%Short Interest 0.54MPerf YTD 32.34%
Book/sh -2.2P/C -EPS past 3/5Y 0.47% 9.5%ROE 29.6%52W High 0.17% ($41.18)Perf Year 58.29%
Cash/sh -P/FCF 27.59Sales past 3/5Y 16.07% 13.47%ROIC 233.77%52W Low 67.55% ($24.62)Perf 3Y 128.91%
Dividend Est. $1.28 (3.1%)EV/EBITDA -EPS Y/Y TTM 260.54%Gross Margin -Volatility(W/M) 3.32% 2.73%Perf 5Y 41.8%
Dividend TTM 1.26EV/Sales -Sales Y/Y TTM 46.45%Oper. Margin 26.32%ATR (14) 1.06Perf 10Y 52.72%
Dividend Ex-Date 2026/6/12Quick Ratio -EPS Q/Q 22.93%Profit Margin 21.6%RSI (14) 67.97Recom 2
Dividend Gr. 3/5Y 2.25% 3.58%Current Ratio 0.05Sales Q/Q 0.88%SMA20 5.25% ($39.19)Beta 0.65Target Price $41.5
Payout 34.32%Debt/Eq -Earnings 2026/7/23SMA50 9.6% ($37.64)Rel Volume 1.86Prev Close $40.62
Employees 631LT Debt/Eq -EPS/Sales Surpr. 11.83% 1.22%SMA200 24.61% ($33.1)Avg Volume(3M) 0.15MPrice $41.25
IPO 1999/6/25Option/Short Yes/YesTrades 3932Volume 276,362Change 1.55%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $82M (YoY +1%) · 순이익 $21M (YoY +24%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Financial Institutions Inc (FISI) Investment Analysis

What kind of company is Financial Institutions Inc?

파이낸셜 기관즈(FISI) 배당주
Financial · Banks - Regional
Financial Stocks

Financial Institutions, Inc. is a regional bank holding company based in New York State, USA. Established in 1931, it is a long-established financial institution that provides commercial and retail banking, as well as deposit and lending services, in the Western and Central New York regions through its core subsidiary, Five Star Bank. It also operates an asset management business through its investment subsidiary, Courier Capital. Its Nasdaq-listed ticker is FISI.

Learn more about Financial Institutions Inc →
Market Cap
$0.8B
Approx. KRW 1.1 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank2806
Employees631people
IPO1999/06/25
Current Price$41.25 ≈ 56,513원
📌 RUT · NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 7월 23일 (목) · 장 마감 후 EPS +11.8% 매출 +1.2%
🎯 Ex-div 2026년 6월 12일 (금) 주당 $0.32
🔔 Earnings release 2026년 4월 23일 (목) · 장 마감 후 EPS +13.0% 매출 -0.1%
🎯 Ex-div 2026년 3월 13일 (금)

Is it profitable?

Profitable but financially weak
High debt load may weigh on results in a downturn
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
26.3%
✓ 양호
My positionMid-range
Low range Average High range
Banks - Regional 소형주 Median 25.4% · Top 45%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
21.6%
✓ 양호
My positionMid-range
Low range Average High range
Banks - Regional 소형주 Median 19.7% · Top 39%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
ROE
Annual return earned on shareholders' equity (15%+ is strong)
29.6%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 소형주 Median 9.9% · Top tier
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
1.3%
✓ 평균
My positionMid-range
Low range Average High range
Financial 소형주 Median 1.5% · Bottom 42%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
233.8%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 소형주 Median 5.3% · Top tier
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Current Ratio
Liquid assets available to cover liabilities due within a year
0.05
✓ 위험
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$41.50
현재가 대비 +0.6%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
9.76배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
내년 EPS 예상 성장률
+3.9%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+12.4%
평균 서프라이즈
2026.07.23
상회
실적 $1.04 · 예상 $0.93 +11.8%
2026.04.23
상회
실적 $1.04 · 예상 $0.92 +13.0%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+12.6%
양호
My positionMid-range
Low range Average High range
배당주 소형주 Median 4.4% · Top 42%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+3.9%
평균
My positionMid-range
Low range Average High range
배당주 소형주 Median 9.2% · Bottom 33%
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
+0.5%
양호
My positionMid-range
Low range Average High range
배당주 소형주 Median -4.2% · Top 42%
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
+9.5%
양호
My positionMid-range
Low range Average High range
배당주 소형주 Median 4.0% · Top 36%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+13.5%
우수
My positionTop 25%
Low range Average High range
배당주 소형주 Median 7.4% · Top 24%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+0.9%
평균
My positionMid-range
Low range Average High range
배당주 소형주 Median 1.6% · Bottom 47%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

Has the stock risen over the long term?

Underperformed the market by 27%p over 5 years
FISI +41.8% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-26.5%p
behind the market
1-year basis
vs S&P 500
+42.3%p
well ahead of the market
Rank among peers
5-year return Lower-Mid (lower 40%) Based on 130 peers
1-year return Top among peers Based on 134 peers
Current position within 52-week range
Low (-67.5%p) High (+0.2%p)
Current price is 67.5% above the 52-week low and 0.2% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-13.9%
Annualized volatility
24.0%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

⚠️
Current diagnosis · 2026-07-27
Overbought zone — short-term pullback possible

Current price $41.25 broke above the upper band ($40.75). Stronger buying than average, but signals short-term overheating. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

Current diagnosis · 2026-07-27
Golden cross — bullish reversal signal

MACD(0.680) crossed above Signal(0.600). Trend reversal possible; read as a buy entry point.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 68.0 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 94.9.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry
Cheap on Vs. Earnings·Vs. Sales, Pricey on Vs. Cash Flow
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Cheap
🧾 Vs. Sales Cheap
💧 Vs. Cash Flow Pricey
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
10.24x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 소형주 median 12.66x · Top 17% — relatively cheap within the industry
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
9.76x
✓ Cheap
My positionMid-range
Low range Average High range
Banks - Regional 소형주 median 10.26x · Around the industry average
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
2.16x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 소형주 median 2.49x · Top 25% — relatively cheap within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
27.59x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Banks - Regional 소형주 median 12.07x · Bottom 1% — expensive within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$41.50 vs. current price +0.6%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Banks - Regional 소형주

Who owns it?

Ownership flow is positive
Insider modest net buying +0.1% · Institutional modest net buying +0.4% · Short interest light 2.8% · Short interest up +0.7pp over last 90d
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
+0.1%
Insiders net buying
🏦 Institutions (funds & investors)
+0.4%
Institutions net buying
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 81.3%
Institution-led, stable structure
Financial 소형주 Median 42.5%
🧑‍💼 Insiders 2.6%
Typical level
Financial 소형주 Median 14.2%
👤 Retail investors (estimated) 16.1%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
2.8%
Low — limited short-side pressure
Financial 소형주 Median 0.8%
Past 90 days 📈 +0.7%p increase
Short interest days to cover
3.6 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 19.7M주
Float (tradable shares) 19.2M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding FISI

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 3.1% 배당
5년 배당 성장률 3.58%
Dividend Yield
3.10%
Industry average 2.62%
Dividend Per Share
$1.28
Annualized
Payout Ratio
34%
Share of net income paid as dividends
5-Year Growth
3.6%
Annualized dividend growth
📅 지급월 3월 · 9월 · 12월
📊 총 이력 1999~2026 (106건)
연도별 배당 총액 추이
주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.
$0.81 +1.3%
2016
$0.85 +4.9%
2017
$0.96 +12.9%
2018
$1.00 +4.2%
2019
$1.04 +4.0%
2020
$1.08 +3.8%
2021
$1.16 +7.4%
2022
$1.20 +3.4%
2023
$1.20 +0.0%
2024
$1.24 +3.3%
2025
$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소
최근 배당 이력 총 106건
아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.
배당락일
주당 금액
지급일
당시 수익률
2026-03-13
$0.320
5.16%
2025-12-15
$0.310
3.83%
2025-09-15
$0.310
4.63%
2025-06-13
$0.310
6.09%
2025-03-14
$0.310
5.80%
2024-12-13
$0.300
4.16%
2024-09-13
$0.300
4.69%
2024-06-14
$0.300
7.02%
2024-03-14
$0.300
8.21%
2023-12-13
$0.300
7.20%
2023-09-13
$0.300
8.69%
2023-06-14
$0.300
8.81%
2023-03-15
$0.300
6.95%
2022-12-15
$0.290
5.98%
2022-09-15
$0.290
5.65%
2022-06-16
$0.290
5.40%
2022-03-17
$0.290
4.29%
2021-12-16
$0.270
4.19%
2021-09-16
$0.270
3.69%
2021-06-17
$0.270
3.38%
2021-03-18
$0.270
4.33%
2020-12-18
$0.260
4.80%
2020-09-10
$0.260
7.65%
2020-06-11
$0.260
7.39%
2020-03-18
$0.260
7.07%
2019-12-12
$0.250
3.79%
2019-09-12
$0.250
4.00%
2019-06-13
$0.250
4.43%
2019-03-14
$0.250
4.18%
2018-12-12
$0.240
4.34%
2018-09-12
$0.240
3.53%
2018-06-13
$0.240
2.78%
2018-03-14
$0.240
2.76%
2017-12-13
$0.220
2.62%
2017-09-13
$0.210
3.08%
2017-06-12
$0.210
2.72%
2017-03-10
$0.210
3.05%
2016-12-08
$0.210
2.43%
2016-09-08
$0.200
2.97%
2016-06-09
$0.200
2.88%
2016-03-11
$0.200
2.87%
2015-12-08
$0.200
3.75%
2015-09-08
$0.200
4.04%
2015-06-09
$0.200
4.14%
2015-03-10
$0.200
4.26%
2014-12-10
$0.200
3.93%
2014-09-10
$0.190
4.11%
2014-06-11
$0.190
4.00%
2014-03-11
$0.190
4.13%
2013-12-10
$0.190
3.80%
2013-09-10
$0.190
4.39%
2013-06-11
$0.180
4.21%
2013-03-12
$0.180
3.77%
2012-12-13
$0.160
3.20%
2012-09-10
$0.140
3.68%
2012-06-11
$0.140
3.96%
2012-03-12
$0.130
3.06%
2011-12-12
$0.130
3.11%
2011-09-14
$0.120
2.92%
2011-06-15
$0.120
2.70%
2011-03-03
$0.100
2.60%
2010-12-09
$0.100
2.59%
2010-09-09
$0.100
3.18%
2010-06-10
$0.100
2.81%
2010-03-11
$0.100
3.37%
2009-12-11
$0.100
4.44%
2009-09-14
$0.100
3.51%
2009-06-11
$0.100
4.35%
2009-03-12
$0.100
12.28%
2008-12-11
$0.100
4.99%
2008-09-11
$0.150
4.31%
2008-06-12
$0.150
3.41%
2008-03-13
$0.140
3.27%
2007-12-13
$0.130
3.04%
2007-09-12
$0.120
2.74%
2007-06-13
$0.110
2.32%
2007-03-14
$0.100
1.71%
2006-12-13
$0.090
1.80%
2006-09-13
$0.090
1.66%
2006-06-13
$0.080
2.14%
2006-03-13
$0.080
2.52%
2005-12-15
$0.080
2.67%
2005-09-15
$0.080
3.94%
2005-06-16
$0.080
3.93%
2005-03-16
$0.160
3.92%
2004-12-16
$0.160
2.46%
2004-09-23
$0.160
2.88%
2004-06-17
$0.160
2.93%
2004-03-18
$0.160
2.89%
2003-12-15
$0.160
3.19%
2003-09-15
$0.160
2.71%
2003-06-13
$0.160
3.23%
2003-03-10
$0.160
3.36%
2002-12-16
$0.160
1.97%
2002-09-12
$0.150
2.05%
2002-06-17
$0.140
1.13%
2002-03-14
$0.130
1.75%
2001-12-12
$0.130
1.99%
2001-06-13
$0.120
2.70%
2001-03-14
$0.110
3.62%
2000-12-13
$0.110
3.77%
2000-09-13
$0.110
3.33%
2000-06-14
$0.100
2.50%
2000-03-15
$0.100
2.29%
1999-12-15
$0.080
1.32%
1999-09-15
$0.080
0.62%
* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.
💰 내가 100만원 투자한다면
연간 배당금 (세후) 2.6만원
5년 누적 (세후) 14.2만원
* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 3.58% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
FISI FISI This Stock
$812.9M10.2 - 29.6% 3.1% +1.6%
BRK-B
$966.4B14.8 1.5 10.49% - +0.5%
BRK-A
$963.1B14.8 1.5 10.49% - +0.1%
JPM
$954.4B15.3 2.7 17.71% 1.8% +0.8%
V
$683.1B31.9 19.4 59.8% 0.75% +1.9%
MA
$487.5B31.9 72.8 232.56% 0.63% +2.2%
Sector Avg-13.61.39.39%2.62%-
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FAQ

What kind of company is 파이낸셜 기관즈(FISI)?

파이낸셜 기관즈(FISI) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of FISI?

The market cap of FISI is approximately $813M, ranking 2,806 within its sector.

Does FISI pay dividends?

FISI has a dividend yield of approximately 3.10%, with an annual dividend of $1.28.

What is the P/E ratio of FISI?

FISI has a P/E ratio of approximately 10.2x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for FISI?

FISI has recorded a 52-week high of $41.18 and a low of $24.62.

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