FISI · Financial Institutions Inc
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Courier Capital's assets under management | 4B | Q2 2026 | — |
| Net charge-offs | 0.11% | Q2 2026 | — |
| Net interest margin (tax-equivalent basis) | 3.7% | Q2 2026 | — |
| Non-performing loans | 39.01M | Q2 2026 | — |
| Public deposits percentage of total deposits | 22% | Q2 2026 | — |
| Return on average tangible common equity non-GAAP | 14.96% | Six Months Ended June 30, 2026 | — |
| Tangible common book value per share non-GAAP | $28.72 | Six Months Ended June 30, 2026 | — |
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| Tangible common equity non-GAAP | 566.01M | Q2 2026 | — |
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| Tangible common equity to tangible assets non-GAAP | 9.02% | Six Months Ended June 30, 2026 | — |
| Total on-balance sheet liquidity | 1.15B | Q2 2026 | — |
| Efficiency ratio | 57% | the first quarter of 2026 | — |
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| Net interest margin | 3.67% | the first quarter of 2026 | — |
| Return on average assets | 1.37% | the first quarter of 2026 | — |
| Return on average tangible common equity ratio non-GAAP | 15.04% | the first quarter of 2026 | — |
| Return on average tangible common equity (annualized) non-GAAP | 13.93% | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FISI
this stock
Financial Institutions Inc
|
$807.96M | +30.9% | — | 10.2 | 2.5% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FISI | -2.6% | +5.4% | +30.0% | -1.6% | +30.9% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.7% | +2.0% | +18.8% | -3.7% | +19.0% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.