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Stock Research: Financial Institutions

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Financial Institutions

NSQ:FISI US3175854047
32
  • Value
    96
  • Growth
    47
  • Safety
    Safety
    1
  • Combined
    32
  • Sentiment
    35
  • 360° View
    360° View
    32
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Company Description

Financial Institutions, Inc. is a financial holding company providing banking and related financial services. It operates in the financial services industry, including banking and wealth management. It serves customers in Western and Central New York, the Mid-Atlantic region, and through its subsidiaries. In the last fiscal year, the company had a market cap of $544 million and 598 employees.

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ANALYSIS: With an Obermatt 360° View of 32 (better than 32% compared with alternatives), overall professional sentiment and financial characteristics for the stock Financial Institutions are below the industry average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Financial Institutions. Only the consolidated Value Rank has an attractive rank of 96, which means that the share price of Financial Institutions is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 96% of alternative stocks in the same industry. All other consolidated ranks are below average. The consolidated Growth Rank has a low rank of 47, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. The consolidated Safety Rank has a riskier rank of 1, meaning the company has a riskier financing structure than 99% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, professionals are more pessimistic about the stock than for 65% of alternative investment opportunities, reflected in the consolidated Sentiment Rank of 35. ...read more

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Strongest Rank Safety
Weakest Rank Value
Country USA
Industry Regional Banks
Size Small
Website financialinstitutionsinc.q4ir.com
Index
NASDAQ
Sound Pay USA
Financial Institutions stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 9-Apr-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
96 89 98 79
Growth
47 83 27 77
Safety
Safety
1 1 69 85
Sentiment
35 11 30 57
360° View
360° View
32 43 54 97
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Metrics Current 2025 2024 2023
Analyst Opinions
22 36 45 78
Opinions Change
50 23 50 50
Pro Holdings
n/a 21 72 73
Market Pulse
14 10 7 4
Sentiment
35 11 30 57
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Metrics Current 2025 2024 2023
Value
96 89 98 79
Growth
47 83 27 77
Safety Safety
1 1 69 85
Combined
32 70 76 99
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
68 67 91 53
Price vs. Earnings (P/E)
87 91 97 81
Price vs. Book (P/B)
64 61 78 76
Dividend Yield
89 83 96 97
Value
96 89 98 79
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Metrics Current 2025 2024 2023
Revenue Growth
28 65 62 32
Profit Growth
47 8 49 84
Capital Growth
53 96 7 53
Stock Returns
82 95 23 73
Growth
47 83 27 77
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Metrics Current 2025 2024 2023
Leverage
20 30 90 92
Refinancing
61 3 62 67
Liquidity
7 4 29 33
Safety Safety
1 1 69 85

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The only strength is good value. All other factors (growth, safety, and sentiment) are below average. This stock is highly sensitive to a crisis and is not advisable. Avoid unless you have solid, independent reasons to believe a significant turnaround is imminent.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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