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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
39
  • Value
    96
  • Growth
    39
  • Safety
    Safety
    4
  • Combined
    34
  • Sentiment
    53
  • 360° View
    360° View
    39
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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 39 (better than 39% 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 half the metrics below and half above average for Financial Institutions. 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. The consolidated Sentiment Rank has a good rank of 53, which means that professional investors are more optimistic about the stock than for 53% of alternative investment opportunities. But the consolidated Growth Rank has a low rank of 39, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. The consolidated Safety Rank has a riskier rank of 4, meaning the company has a riskier financing structure than 96 comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...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: 19-Mar-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
39 83 27 77
Safety
Safety
4 1 69 85
Sentiment
53 11 30 57
360° View
360° View
39 43 54 97
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Metrics Current 2025 2024 2023
Analyst Opinions
28 36 45 78
Opinions Change
50 23 50 50
Pro Holdings
n/a 21 72 73
Market Pulse
38 10 7 4
Sentiment
53 11 30 57
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Metrics Current 2025 2024 2023
Value
96 89 98 79
Growth
39 83 27 77
Safety Safety
4 1 69 85
Combined
34 70 76 99
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
79 67 91 53
Price vs. Earnings (P/E)
92 91 97 81
Price vs. Book (P/B)
67 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
56 96 7 53
Stock Returns
67 95 23 73
Growth
39 83 27 77
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Metrics Current 2025 2024 2023
Leverage
20 30 90 92
Refinancing
63 3 62 67
Liquidity
7 4 29 33
Safety Safety
4 1 69 85

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Frequently Asked
Questions

With good value and positive sentiment, but low growth and risky financing, this combination is generally dangerous as debt requires growth to sustain it. Only investors with a strong belief in future growth potential and a high-risk tolerance should consider this stock.

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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