# Financial Institutions share price today (Financial Institutions, Inc., FISI)

> Financial Institutions, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. FISI · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/fisi

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $40.44 (+37.9% in a year)
- P/BV: 1.3× (higher than 100% of the last 5.3 years)
- Revenue (Jun 2026): $61.2 M (+7.0% on a year ago)
- Profit (Jun 2026): $20.8 M (+21.3% on a year ago)
- Net margin: 34.0% (+4.0 points on a year ago)
- ROE: 13%, FY25
- ROA: 1.28%, latest

The main question: results are strong, and the P/BV is higher than 100% of its own history. ## What is the Financial Institutions share price today? Financial Institutions, Inc.'s share price was $40.44 at the close on 4 November 2026. It has been rising for 55 weeks. That is 9.7% above its average price over the last 200 trading days. In the last 52 weeks it traded between $29 and $42, and at that close it sat 90% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 10 years the share price moved +54% while the S&P 500 moved +245%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Financial Institutions pay? Financial Institutions, Inc. paid $1.26 per share over the last four reported quarters. The most recent declaration was $0.32 for Jun 2026. At today's price of $40.44 that is a yield of 3.12%, based on dividends already paid, not a forecast. ## Which stock lists is Financial Institutions on? Financial Institutions is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Financial Institutions profitable? Financial Institutions, Inc. earned $20.8 M of net profit in the Jun 2026 quarter, +21.3% on the same quarter a year earlier. That is the 2nd quarter in a row of profit growth. Full-year FY25 profit was $73.4 M. Over 4 years profit has grown −0.9% a year on average. That is 34.0% of the quarter's revenue. The same quarter a year earlier earned $17.2 M. 1 of the last 12 reported quarters were loss-making. Why profit moved: revenue changed +7.0% on a year earlier and the margin moved +4.0 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +33.2% and revenue +16.1%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Financial Institutions make, and is it growing? Financial Institutions, Inc. reported $61.2 M of income in the Jun 2026 quarter, +7.0% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 4 years it has grown 2.7% a year on average. The last full year, FY25, came in at $233 M. The last four reported quarters add to $243 M. FY25 revenue was $233 M, +110.7% on the year before. Recent pace: the last four quarters grew +16.1% on average, against 2.7% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +137.2%, against +5.0% a year over the last 8 quarters (accelerating). ## How much does Financial Institutions keep from what it earns? Financial Institutions, Inc.'s net margin was 34.0% in the Jun 2026 quarter, 4.0 percentage points higher than the same quarter a year ago. Across 5 years it has been between −38.9% and 36.3%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Financial Institutions' loans have gone bad? Financial Institutions, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Financial Institutions' loan book growing? Financial Institutions, Inc.'s revenue was $233 M in FY25, +110.7% on the year before, so the loan book is growing. The latest quarter was +7.0% on a year earlier. The net margin on that income is 34.0%, +4.0 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Financial Institutions' P/BV ratio, and how does it compare with its own history? Financial Institutions, Inc.'s P/BV is 1.3×, about the highest it has ever been. Its usual P/BV (the middle reading) is 0.9×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Where the price move came from: over 5 years the price moved +3.9% a year; about +1.1% a year came from book-value growth and about +2.8 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Financial Institutions business getting better or worse? Financial Institutions, Inc.'s business is giving mixed signals. Profit and EPS growth are shrinking while ROE is still rising at 12.6%, so growth and returns point different ways. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Financial Institutions earn on its equity and assets? Financial Institutions, Inc. earned a return on equity of 12% in FY25. Its lowest yearly reading on file was −8% in FY24. On its assets, every $100 earned about $1.28, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew −0.9% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Financial Institutions have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Financial Institutions shareholding pattern? 4.3% of Financial Institutions, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 5.6 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Financial Institutions from balance-sheet trouble? For Financial Institutions, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Financial Institutions rank in its industry? There is no score against its industry: Financial Institutions, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Financial Institutions compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Financial Institutions in size? Financial Institutions is the 177th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Independent Bank Corporation, Southern Missouri Bancorp, Inc. and AGI Inc. Just below it: Shore Bancshares, Inc., Washington Trust Bancorp, Inc. and HomeTrust Bancshares, Inc. ### Banks - Regional companies close in size

1. [Independent Bank Corporation](https://www.sectoralpha.in/us/stocks/ibcp) $823 million
2. [Southern Missouri Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/smbc) $798 million
3. [AGI Inc](https://www.sectoralpha.in/us/stocks/agbk) $791 million
4. Financial Institutions, Inc. $789 million
5. [Shore Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/shbi) $769 million
6. [Washington Trust Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/wash) $769 million
7. [HomeTrust Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/htb) $749 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [TaskUs, Inc.](https://www.sectoralpha.in/us/stocks/task) $791 million · Information Technology Services
2. [AGI Inc](https://www.sectoralpha.in/us/stocks/agbk) $791 million · Banks - Regional
3. Financial Institutions, Inc. $789 million
4. [CEVA, Inc.](https://www.sectoralpha.in/us/stocks/ceva) $789 million · Semiconductors
5. [ProPetro Holding Corp.](https://www.sectoralpha.in/us/stocks/pump) $789 million · Oil & Gas Equipment & Services

## What else do people ask about Financial Institutions? ### What were Financial Institutions's latest quarterly results? Financial Institutions, Inc. reported total income of $61.2 M and net profit of $20.8 M for the Jun 2026 quarter. Income rose 7.0% and profit rose 21.3% compared with a year earlier. Earnings per share were $1.04. The net margin was 34.0%, 4.0 percentage points higher than a year earlier (as of 4 November 2026). ### What is Financial Institutions's market cap? Financial Institutions, Inc.'s market capitalisation is $789 M at a stock price of $40.44. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Financial Institutions performing? Financial Institutions, Inc.'s share price has been rising for 55 weeks. In its latest quarter, income rose 7.0% and profit rose 21.3% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 4 November 2026). ### Will Financial Institutions's stock price go up? This page does not forecast Financial Institutions, Inc.'s stock price. What it shows instead: the stock price is $40.44, and it has been rising for 55 weeks. Its P/BV of 1.3× is higher than 100% of its own last 5 years (as of 4 November 2026). ### Where is Financial Institutions in its business cycle? Financial Institutions, Inc.'s FY25 net margin was 31.5%, against a 5-year range of −38.9% to 36.3%: the middle of its own range, neither a peak nor a low. The latest quarter was 34.0%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Financial Institutions story? The main question: results are strong, and the P/BV is higher than 100% of its own history. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Financial Institutions a stock worth studying right now? What the numbers show: Financial Institutions, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. The main open question: whether earnings grow enough to match the multiple. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.