Financial Institutions, Inc.

Fundamentals6.0
Price Action7.0
News Sentiment6.0
AI Rating
6.0

Key Drivers

  • Solid profitability
  • High leverage
  • Weak cash flow

AI
AI Summary

6.0

FISI now looks less like a distressed regional bank and more like a reasonably covered dividend payer with improving EPS/book value and positive momentum, but the key question is whether those gains are durable enough to offset ongoing funding, rate, and balance-sheet risk after the recent rebound.

Dividend
RateRisk
Valuation‍

Price Chart

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Financial Metrics

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Revenue (TTM)
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Net Income (TTM)
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EPS (Q)
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MCAP

Deep Analysis

Research tool. Not personalized advice.

Fundamental Analysis

6.0

Key Financial Insights:

  • Solid profitability
  • High leverage
  • Weak cash flow

FISI is moderately profitable and fairly valued with a manageable dividend, but its high leverage and weak cash conversion make the balance sheet the main risk.

Banking
Leverage

Price Behavior

7.0
Research tool. Not personalized advice. Technical analysis is for informational purposes only.

Key Price Behavior Insights:

  • Higher lows
  • Resistance test
  • Support hold

FISI has trended higher over the last month with a series of higher lows, but after testing $40.07 it has cooled near resistance and will need to hold $38.40-$38.70 to keep the breakout intact.

uptrend
resistance
Support Level: $38.40-$38.70
Resistance Level: $40.07

Quick retreat from $40.07 to $39.02 after the breakout test suggests momentum has cooled

Sentiment & News

6.0

Key News Insights:

  • Dividend focus
  • Momentum interest
  • Q2 earnings

FISI drew sustained June attention as both a dividend and momentum play, with no negative news and an earnings report due July 23.

FISI
Earnings

The headline flow is mildly supportive, keeping FISI on watch ahead of its upcoming earnings update