Financial Institutions (FISI) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $39.31, +0.10% vs the prior close of $39.27.
- Volume 97.14K shares, 0.7x its 50-day average.
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
FISI ends flat (+0.1%) to $39.31. Closed at $39.31, +0.10% vs the prior close of $39.27. Day range $39.07–$39.94, opened at $39.33.
FISI daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 16, 2026 — FISI ends flat (+0.1%) to $39.31
- Closed at $39.31, +0.10% vs the prior close of $39.27. Day range $39.07–$39.94, opened at $39.33.
- Volume was 97.14K shares, 0.7x its 50-day average of 135.17K.
- Price is -2.7% vs its 50-day average ($40.39) and +8.3% vs its 200-day average ($36.29).
- 52-week range $25.61–$42.97; today's close sits at 79% of that range, 8.5% below the 52-week high.
Oct 15, 2026 — FISI rises 1.7% to $39.27
- Closed at $39.27, +1.66% vs the prior close of $38.63. Day range $38.54–$39.35, opened at $38.72.
- Volume was 88.40K shares, 0.6x its 50-day average of 136.21K.
- Price is -2.9% vs its 50-day average ($40.45) and +8.3% vs its 200-day average ($36.25).
- 52-week range $25.61–$42.97; today's close sits at 79% of that range, 8.6% below the 52-week high.
Oct 14, 2026 — FISI dips 0.4% to $38.63
- Closed at $38.63, -0.44% vs the prior close of $38.80. Day range $37.82–$38.74, opened at $38.25.
- Volume was 118.20K shares, 0.9x its 50-day average of 136.34K.
- Price is -4.6% vs its 50-day average ($40.51) and +6.7% vs its 200-day average ($36.21).
- 52-week range $25.61–$42.97; today's close sits at 75% of that range, 10.1% below the 52-week high.
Oct 13, 2026 — FISI ends flat (-0.0%) to $38.80
- Closed at $38.80, -0.03% vs the prior close of $38.81. Day range $38.44–$39.37, opened at $38.97.
- Volume was 106.40K shares, 0.8x its 50-day average of 138.54K.
- Price is -4.4% vs its 50-day average ($40.59) and +7.2% vs its 200-day average ($36.18).
- 52-week range $25.61–$42.97; today's close sits at 76% of that range, 9.7% below the 52-week high.
Oct 12, 2026 — FISI rises 0.9% to $38.81
- Closed at $38.81, +0.94% vs the prior close of $38.45. Day range $38.39–$39.00, opened at $38.39.
- Volume was 66.40K shares, 0.5x its 50-day average of 139.84K — lighter than usual.
- Price is -4.6% vs its 50-day average ($40.67) and +7.4% vs its 200-day average ($36.14).
- 52-week range $25.61–$42.97; today's close sits at 76% of that range, 9.7% below the 52-week high.
Oct 9, 2026 — FISI dips 1.5% to $38.45, a 3-month low
- Closed at $38.45, -1.54% vs the prior close of $39.05. Day range $37.93–$38.97, opened at $38.93.
- Volume was 62.70K shares, 0.4x its 50-day average of 141.49K — lighter than usual.
- Price is -5.6% vs its 50-day average ($40.72) and +6.5% vs its 200-day average ($36.11).
- 52-week range $25.61–$42.97; today's close sits at 74% of that range, 10.5% below the 52-week high.
Oct 8, 2026 — FISI rises 0.9% to $39.05
- Closed at $39.05, +0.88% vs the prior close of $38.71. Day range $38.45–$39.20, opened at $38.69.
- Volume was 113.60K shares, 0.8x its 50-day average of 142.70K.
- Price is -4.2% vs its 50-day average ($40.78) and +8.2% vs its 200-day average ($36.08).
- 52-week range $25.61–$42.97; today's close sits at 77% of that range, 9.1% below the 52-week high.
Oct 7, 2026 — FISI dips 1.5% to $38.71, a 3-month low, 3 down days in a row
- Closed at $38.71, -1.45% vs the prior close of $39.28. Day range $38.43–$39.01, opened at $38.80.
- Volume was 117.50K shares, 0.8x its 50-day average of 143.47K.
- Price is -5.2% vs its 50-day average ($40.82) and +7.4% vs its 200-day average ($36.04).
- 52-week range $25.61–$42.97; today's close sits at 75% of that range, 9.9% below the 52-week high.
- That makes 3 straight losses.
Oct 6, 2026 — FISI dips 0.9% to $39.28
- Closed at $39.28, -0.88% vs the prior close of $39.63. Day range $39.16–$39.95, opened at $39.63.
- Volume was 95.70K shares, 0.7x its 50-day average of 147.08K.
- Price is -3.9% vs its 50-day average ($40.89) and +9.1% vs its 200-day average ($36.01).
- 52-week range $25.61–$42.97; today's close sits at 79% of that range, 8.6% below the 52-week high.
Oct 5, 2026 — FISI dips 0.9% to $39.63
- Closed at $39.63, -0.88% vs the prior close of $39.98. Day range $39.18–$40.21, opened at $39.88.
- Volume was 118.70K shares, 0.8x its 50-day average of 150.24K.
- Price is -3.2% vs its 50-day average ($40.93) and +10.2% vs its 200-day average ($35.97).
- 52-week range $25.61–$42.97; today's close sits at 81% of that range, 7.8% below the 52-week high.
Oct 2, 2026 — FISI rises 1.3% to $39.98
- Closed at $39.98, +1.27% vs the prior close of $39.48. Day range $39.62–$40.35, opened at $39.88.
- Volume was 118.70K shares, 0.8x its 50-day average of 151.05K.
- Price is -2.4% vs its 50-day average ($40.95) and +11.2% vs its 200-day average ($35.94).
- 52-week range $25.61–$42.97; today's close sits at 83% of that range, 7.0% below the 52-week high.
FISI latest news & SEC filings
Every SEC filing by or about FISI in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Jones Blake G converted options/RSUs into 1,000 shares on Sep 25, 2026; now holds 1,000
- Jones Blake G had withheld for taxes 360 shares at $40.23 (≈$14.48K) on Sep 25, 2026; now holds 640
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 8, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.02 — Change in directors or officers (appointment, departure or pay).
Sep 3, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Zupan Mark bought 608 shares at $40.77 (≈$24.79K) on Sep 2, 2026
- Zupan Mark bought 608 shares at $40.77 (≈$24.79K) on Sep 2, 2026
- Zupan Mark bought 608 shares at $40.77 (≈$24.79K) on Sep 2, 2026
- Zupan Mark bought 608 shares at $40.77 (≈$24.79K) on Sep 2, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 26, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Aug 3, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $21.18M (prior year $17.53M) (+20.8% vs Jun 30, 2025)
- Diluted EPS: $1.04 (prior year $0.85) (+22.4% vs Jun 30, 2025)
Jul 28, 2026 · Form SCHEDULE 13G/A — Update to a passive 5%+ stake (13G)
Update to a passive 5%+ stake (13G)
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Jul 23, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 14, 2026 · Form SCHEDULE 13G — Passive stake (13G)
Passive stake (13G) — an investor reported owning more than 5%
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Things to know before you trade FISI
- Last results release: Jul 23, 2026 (8-K Item 2.02). Previous ones: Apr 23, 2026, Jan 29, 2026, Oct 23, 2025. Based on that rhythm, the next report is likely around Oct 22, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.92% (largest 1.7%). That is a relatively calm stock.
- Liquidity: about 109.86K shares (≈$4.32M) trade per day on average.
- 52-week position: $39.31 vs a range of $25.61–$42.97 (79% of the range).
- Dividends: last ex-dividend date Sep 15, 2026 ($0.32/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 8 open-market buys, 0 sales; latest: Mark Zupan bought 608 shares on Sep 2, 2026.
- Latest filings: 8-K Sep 8, 2026; 8-K Aug 26, 2026; 10-Q Aug 3, 2026.
- Share count: 19.71M shares outstanding (Jul 28, 2026), -2.1% vs a year earlier — the company has been reducing its share count.
- Listing: Nasdaq · industry: National Commercial Banks.
FISI market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 39.33 | 39.94 | 39.07 | 39.31 | 97.14K |
| Oct 15, 2026 | 38.72 | 39.35 | 38.54 | 39.27 | 88.40K |
| Oct 14, 2026 | 38.25 | 38.74 | 37.82 | 38.63 | 118.20K |
| Oct 13, 2026 | 38.97 | 39.37 | 38.44 | 38.80 | 106.40K |
| Oct 12, 2026 | 38.39 | 39.00 | 38.39 | 38.81 | 66.40K |
| Oct 9, 2026 | 38.93 | 38.97 | 37.93 | 38.45 | 62.70K |
| Oct 8, 2026 | 38.69 | 39.20 | 38.45 | 39.05 | 113.60K |
| Oct 7, 2026 | 38.80 | 39.01 | 38.43 | 38.71 | 117.50K |
| Oct 6, 2026 | 39.63 | 39.95 | 39.16 | 39.28 | 95.70K |
| Oct 5, 2026 | 39.88 | 40.21 | 39.18 | 39.63 | 118.70K |
| Oct 2, 2026 | 39.88 | 40.35 | 39.62 | 39.98 | 118.70K |
| Oct 1, 2026 | 38.77 | 39.48 | 38.10 | 39.48 | 136.00K |
| Sep 30, 2026 | 39.32 | 39.36 | 38.73 | 38.98 | 123.90K |
| Sep 29, 2026 | 39.55 | 39.58 | 38.79 | 39.29 | 99.00K |
| Sep 28, 2026 | 39.98 | 40.12 | 39.50 | 39.55 | 132.60K |
| Sep 25, 2026 | 40.10 | 40.84 | 40.04 | 40.23 | 108.30K |
| Sep 24, 2026 | 39.85 | 40.14 | 39.61 | 40.02 | 127.10K |
| Sep 23, 2026 | 40.25 | 40.32 | 39.62 | 39.66 | 130.10K |
| Sep 22, 2026 | 40.68 | 40.77 | 40.05 | 40.32 | 140.20K |
| Sep 21, 2026 | 40.65 | 41.01 | 40.30 | 40.33 | 96.60K |
About Financial Institutions
Financial Institutions (FISI) is listed on the Nasdaq and classified by the SEC under “National Commercial Banks”. Its business address is in WARSAW, NY. State of incorporation: NY. Fiscal year ends December 31. SEC CIK 862831.
FISI board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| David Bovenzi | Director | May 21, 2026 |
| Dawn H Burlew | Director | May 21, 2026 |
| Andrew W Jr Dorn | Director | May 21, 2026 |
| Steven C. Finch | Director | May 21, 2026 |
| Robert M Glaser | Director | May 21, 2026 |
| Bruce W Harting | Director | May 21, 2026 |
| Susan R Holliday | Director | May 21, 2026 |
| Robert N Latella | Director | May 21, 2026 |
| Angela J Panzarella | Director | May 21, 2026 |
| Robert L. Schrader | Director | May 21, 2026 |
| Kim E Vangelder | Director | May 21, 2026 |
| Mark Zupan | Director | Sep 3, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Martin Kearney Birmingham | President & CEO | Mar 23, 2026 |
| Samuel J Jr Burruano | Chief Legal Officer | Mar 23, 2026 |
| Laurie R Collins | Chief Human Resources Officer | Mar 23, 2026 |
| Blake G Jones | Chief Marketing Officer | Sep 28, 2026 |
| Eric W. Marks | Chief Consumer Banking Officer | Mar 6, 2026 |
| Gary A. Pacos | Chief Risk Officer | Mar 23, 2026 |
| William Jack Ii Plants | Chief Financial Officer | Mar 23, 2026 |
| Kevin B Quinn | Chief Comm Banking Officer | Mar 23, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 2, 2026 | Mark Zupan | Buy | 608 | $40.77 |
| Sep 2, 2026 | Mark Zupan | Buy | 608 | $40.77 |
| Sep 2, 2026 | Mark Zupan | Buy | 608 | $40.77 |
| Sep 2, 2026 | Mark Zupan | Buy | 608 | $40.77 |
| Mar 12, 2026 | William Jack Ii Plants | Buy | 660 | $30.12 |
| Mar 12, 2026 | William Jack Ii Plants | Buy | 660 | $30.12 |
| Mar 12, 2026 | William Jack Ii Plants | Buy | 660 | $30.12 |
| Mar 12, 2026 | William Jack Ii Plants | Buy | 660 | $30.12 |
FISI financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $74.87M | 3.61 | $18.80M |
| Dec 31, 2024 | — | $-41.65M | -2.75 | $77.13M |
| Dec 31, 2023 | — | $50.26M | 3.15 | $10.89M |
| Dec 31, 2022 | — | $56.57M | 3.56 | $133.57M |
| Dec 31, 2021 | — | $77.70M | 4.78 | $72.96M |
Latest balance sheet: total assets $6.33B, total liabilities $5.69B, cash $99.17M (as of Jun 30, 2026).
FISI earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $38.72 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | $34.15 |
| Jan 29, 2026 | 8-K Item 2.02 (results) | $32.93 |
| Oct 23, 2025 | 8-K Item 2.02 (results) | $26.48 |
| Jul 24, 2025 | 8-K Item 2.02 (results) | $26.32 |
| Apr 28, 2025 | 8-K Item 2.02 (results) | $24.06 |
| Jan 30, 2025 | 8-K Item 2.02 (results) | $27.16 |
| Oct 24, 2024 | 8-K Item 2.02 (results) | $24.98 |
| Jul 25, 2024 | 8-K Item 2.02 (results) | — |
| Apr 25, 2024 | 8-K Item 2.02 (results) | — |
| Jan 25, 2024 | 8-K Item 2.02 (results) | — |
| Oct 26, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 16, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.