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FISI
Volume: 133.28K
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Financial Institutions (FISI) Stock Forecast & Price Target

Financial Institutions (FISI) Analyst Ratings

Based on 5 analyst ratings
Buy
Strong Buy 20%
Buy 40%
Hold 40%
Sell 0%
Strong Sell 0%

Bulls say

Financial Institutions Inc. has demonstrated a positive growth trajectory, evidenced by a 1.7% quarter-over-quarter increase in loans and a substantial 7% increase in loans year-over-year, particularly driven by commercial and industrial (C&I) and commercial real estate (CRE) sectors. Although there was a decrease in deposits due to seasonal municipal impacts, the company is expected to benefit from improved margins and net interest income, particularly in light of efficiencies gained from the CHIPS Act and increased C&I customer demand. This favorable outlook, combined with an expected rise in profitability indicated by a tangible common equity (TCE) ratio of 8.4%, supports a robust valuation potential, suggesting a positive return in various scenarios.

Bears say

Financial Institutions Inc experienced a significant decline in pre-provision net revenue (PPNR), decreasing approximately 13% quarter-over-quarter to $15.6 million, which fell short of expectations due to underperformance across its components. Additionally, the outlook for revenue appears bleak, driven by slower loan growth and lower net interest margin (NIM), influenced by a conservative reserve build and higher expenses related to non-recurring items. Lastly, the company's early indications for deposit trends show a worrying 15% decline in end-of-period deposits quarter-over-quarter and a historically lower return profile which contributes to a continued discount compared to its peers, further reinforcing concerns about its financial stability.

Financial Institutions (FISI) has been analyzed by 5 analysts, with a consensus rating of Buy. 20% of analysts recommend a Strong Buy, 40% recommend Buy, 40% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Financial Institutions and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Financial Institutions (FISI) Forecast

Analysts have given Financial Institutions (FISI) a Buy based on their latest research and market trends.

According to 5 analysts, Financial Institutions (FISI) has a Buy consensus rating as of Jul 1, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $30.40, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $30.40, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Financial Institutions (FISI)

Volume: 133.28K

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