Financial Institutions, Inc.

Is Financial Institutions, Inc. technically bullish or bearish?

As of October 24, 2025, Financial Institutions, Inc. shows a bullish trend supported by positive MACD and Bollinger Bands, despite a bearish weekly RSI and mixed signals from the KST.

As of 24 October 2025, the technical trend for Financial Institutions, Inc. has changed from mildly bullish to bullish. The MACD is bullish on both the weekly and monthly time frames, supporting a positive outlook. Bollinger Bands also indicate bullishness on both time frames. However, the weekly RSI is bearish, which suggests some short-term weakness. Moving averages are bullish on the daily chart, reinforcing the overall bullish stance. Dow Theory shows a mildly bullish trend on both weekly and monthly levels. The KST is bullish weekly but mildly bearish monthly, indicating mixed signals. Overall, the stock is currently bullish, with strength primarily driven by the MACD and Bollinger Bands. There is no available return data to compare the company's performance against the S&P 500.

Is Financial Institutions, Inc. overvalued or undervalued?

As of January 30, 2025, Financial Institutions, Inc. is considered overvalued and risky due to its negative P/E ratio and poor stock performance compared to peers and the S&P 500, indicating it may not be a favorable investment.

As of 30 January 2025, the valuation grade for Financial Institutions, Inc. moved from expensive to risky, indicating a shift in perception regarding its financial health. The company is currently considered overvalued, particularly given its negative P/E ratio due to losses, a Price to Book Value of 0.89, and an EV to Sales ratio of 1.53, which suggests that the market is pricing the company higher relative to its sales compared to peers.<BR><BR>In comparison to its peers, Financial Institutions, Inc. shows a stark contrast with Peoples Financial Services Corp., which has a P/E of 10.84 and is rated very attractive, while ACNB Corp. has a fair valuation with a P/E of 13.51. Additionally, the company's recent stock performance has lagged behind the S&P 500, with a 1-year return of 5.46% compared to the index's 17.14%, reinforcing the notion that the stock may not be a favorable investment at its current valuation.

How big is Financial Institutions, Inc.?

As of Jun 18, Financial Institutions, Inc. has a market capitalization of 497.77 million, categorizing it as a Micro Cap company, with total assets of 6,132.99 million and shareholder's funds of 568.98 million as of Dec'24.

Market Cap: As of Jun 18, Financial Institutions, Inc. has a market capitalization of 497.77 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 315.87 million, while the sum of net profit stands at -26.83 million.<BR><BR>Balance Sheet Snapshot: As of Dec'24, the shareholder's funds amount to 568.98 million, and total assets are reported at 6,132.99 million.

What does Financial Institutions, Inc. do?

Financial Institutions, Inc. is a financial holding company in the Regional Banks industry with a market cap of USD 497.77 million, reporting net sales of USD 81 million and a net profit of USD 17 million as of March 2025. Key metrics include a dividend yield of 281.60% and a return on equity of -0.63%.

Overview:<BR>Financial Institutions, Inc. is a financial holding company operating in the Regional Banks industry with a market cap of USD 497.77 Million.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 81 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 17 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 497.77 Million (Micro Cap)<BR><BR>Key Metrics:<BR>Dividend Yield: 281.60% <BR>Debt Equity: 0.00 <BR>Return on Equity: -0.63% <BR>Price to Book: 0.84<BR><BR>Contact Details:<BR>Address: 220 Liberty St, WARSAW NY: 14569-1465 <BR>Tel: ['1 585 7861100', '1 585 6271362'] <BR>Website: http://www.snl.com/IRW/CorporateProfile/1016825

Should I buy, sell or hold Financial Institutions, Inc.?

Who are in the management team of Financial Institutions, Inc.?

As of March 2022, the management team of Financial Institutions, Inc. includes Mr. Robert Latella (Independent Chairman), Mr. Martin Birmingham (President and CEO), Ms. Susan Holliday (Independent Vice Chairman), and several independent directors: Mr. Karl Anderson, Mr. Donald Boswell, Ms. Dawn Burlew, Mr. Andrew Dorn, and Mr. Robert Glaser. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Financial Institutions, Inc. includes the following individuals:<BR><BR>- Mr. Robert Latella, Independent Chairman of the Board<BR>- Mr. Martin Birmingham, President, Chief Executive Officer and Director<BR>- Ms. Susan Holliday, Independent Vice Chairman of the Board<BR>- Mr. Karl Anderson, Independent Director<BR>- Mr. Donald Boswell, Independent Director<BR>- Ms. Dawn Burlew, Independent Director<BR>- Mr. Andrew Dorn, Independent Director<BR>- Mr. Robert Glaser, Independent Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.