Financial Institutions, Inc. (FISI) has a MoatMap StockRank of 76/100 based on Quality (44/100), Value (44/100), and Momentum (71/100) factor scores. The current signal is BUY. Similar to AMAL, Financial Institutions, Inc. is a smaller financial services company (a regional bank). The macro theme of 'Geopolitical Inflation Regime' suggests higher interest rates for longer, which brings uncertainty for banks. While some banks might benefit from spread expansion, the risk of credit deterioration and an economic slowdown looms. As a capital-intensive business, it doesn't align with the preference for 'asset-light' companies in this inflationary environment. Without a specific unpriced macro tailwind or a clearly identifiable durable moat (e.g., unique technology, niche market with high switching costs), it does not meet the bar for an asymmetric, high-conviction opportunity.
Financial Institutions, Inc. is a bank holding company operating through its subsidiary, Five Star Bank, providing retail and commercial banking services to individuals and businesses in Western and Central New York. It functions as an established community bank with a strong local presence, fostering customer loyalty through personalized service and regional expertise. FISI operates as a traditional regional bank, generating revenue primarily from interest income on loans and investments, and offering a full suite of financial products tailored to its local market.
| Price | $35.81 |
| Market Cap | $705M |
| P/E (TTM) | 9.43 |
| P/E (Forward) | 8.64 |
| Price/Book | 1.16 |
| Return on Equity | 12.9% |
| Gross Margin | 0.0% |
| Operating Margin | 42.9% |
| Revenue Growth | 11.3% |
| Dividend Yield | 3.5% |
Financial Institutions, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).