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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
40
  • Value
    75
  • Growth
    65
  • Safety
    Safety
    6
  • Combined
    33
  • Sentiment
    49
  • 360° View
    360° View
    40
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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 40 (better than 40% 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 of the metrics below and half above average for Financial Institutions. The consolidated Value Rank has an attractive rank of 75, 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 the stock price is lower than for 75% of alternative stocks in the same industry. The consolidated Growth Rank has a good rank of 65, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 49. Professional investors are more confident in 51% other stocks. Worryingly, the company has risky financing, with a Safety rank of 6. This means 94% of comparable companies have a safer financing structure than Financial Institutions. ...read more

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Strongest Rank Safety
Weakest Rank Stock Returns
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: 10-Aug-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

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
75 89 98 79
Growth
65 83 27 77
Safety
Safety
6 1 69 85
Sentiment
49 11 30 57
360° View
360° View
40 43 54 97
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Metrics Current 2025 2024 2023
Analyst Opinions
31 36 45 78
Opinions Change
50 23 50 50
Pro Holdings
n/a 21 72 73
Market Pulse
29 10 7 4
Sentiment
49 11 30 57
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Metrics Current 2025 2024 2023
Value
75 89 98 79
Growth
65 83 27 77
Safety Safety
6 1 69 85
Combined
33 70 76 99
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
62 67 91 53
Price vs. Earnings (P/E)
77 91 97 81
Price vs. Book (P/B)
50 61 78 76
Dividend Yield
83 83 96 97
Value
75 89 98 79
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Metrics Current 2025 2024 2023
Revenue Growth
31 65 62 32
Profit Growth
45 8 49 84
Capital Growth
54 96 7 53
Stock Returns
100 95 23 73
Growth
65 83 27 77
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Metrics Current 2025 2024 2023
Leverage
24 30 90 92
Refinancing
67 3 62 67
Liquidity
6 4 29 33
Safety Safety
6 1 69 85

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Frequently Asked
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This is a mixed bag with good value and high growth balanced by risky financing and negative sentiment. This is a risky stock that requires conviction; you should only consider it if you are willing to conduct further research into the underlying sentiment and financial risks.

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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