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 Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Common equity Tier 1 ratio non-GAAP | 11.44% | Q2 2026 | — |
| Efficiency ratio | 55.33% | Q2 2026 | — |
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| Net charge-offs | 0.11% | Q2 2026 | — |
| Return on average assets | 1.35% | Q2 2026 | — |
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| Return on average equity | 13.31% | Q2 2026 | — |
| Return on average tangible common equity non-GAAP | 14.88% | Q2 2026 | — |
| Tangible common equity ratio non-GAAP | 9.02% | Q2 2026 | — |
| Net interest margin | 3.67% | 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 | — |
| Tangible common book value per share non-GAAP | $27.84 | Q4 FY2025 | — |
| Tangible common equity non-GAAP | 551,226K | Q4 FY2025 | — |
| Tangible common equity to tangible assets non-GAAP | 8.87% | Q4 FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$812.06M | +33.8% | — | 10.7 | 2.8% |
|
HDB
Hdfc Bank Ltd
|
$123.39B | -34.2% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$119.51B | +34.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.74B | -0.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$99.78B | +20.0% | +7.2% | 14.4 | 1.7% |
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 | +6.1% | +5.9% | +19.9% | +5.9% | +33.8% |
| SPY | -2.4% | -2.3% | +6.3% | -2.3% | +7.0% |
| vs SPY | +8.5% | +8.2% | +13.6% | +8.2% | +26.8% |
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.