ROARABLE
FREE $100K
My Trading Account β†’
β–Ύ
Trading Profile Active
Active Trader
Verified Trader
⚑ My $100K Trading Account β†’ β˜… My Saved Watchlist β†’
🟒 My $100K Account β†’ Today Screener Big Ideas Track Record πŸ’° $100K Arena 🎲 Predictions πŸ›οΈ Insiders 8 Analysts
Stock Ratings / Financials / FISI / dividends
SHBI (64) IBCP (70) WASH (69) RCBC (61) ⌘ Pro Terminal β†’

Financial Institutions Inc. (FISI) Dividend Safety Gauge & 10-Year DRIP Compounder

$40.15 +1.98% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.22

Financial Institutions Inc. (FISI) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $775.8M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FISI Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FISI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Financial Institutions Inc. (NASDAQ: FISI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $40.15 (+1.98% 1D, market cap $775.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FISI ranks #574 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FISI compare to SHBI and IBCP in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), FISI carries a Roarable D+ (53/100 RQD), trailing P/E of 10.8x, gross margin of β€”, and ROIC of 11.9%. By comparison, SHBI (Shore Bancshares Inc) holds a C grade (64/100 RQD, P/E 12.7x, ROIC 10.1%, cap $746.9M) and IBCP (Independent Bank Corporation) posts a B- grade (70/100 RQD, P/E 12.0x, ROIC 13.6%, cap $807.5M). Among the 5-stock peer group, FISI leads on earnings multiple (10.8x) while IBCP leads on capital efficiency (13.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FISI?
β–Ό

Per FISI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000862831), Financial Institutions Inc. generated $2.64B in revenue (+2.6% YoY), $74.9M in net income, and $13.3M in free cash flow against $6.27B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $40.22 (+0.17%)🧬 Disciplined Float (-0.32% YoY Shares)βš™οΈ Cash Engine: 7/20 (D-) β€’ 0.5% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY β€’ 50.6% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510053
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk D+
Cash (7)Whales (10)SEC (13)Macro (10)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-2.2% Base Target
$46 Bull$39 Base$31 Bear
πŸ“¬ FREE FISI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FISI)Realized 20D OHLCV Swing Band: Β±4.4%
Deterministic 5-Pillar Attribution (53/100 Composite)
πŸ” WHY FISI SCORES 53/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy β€’ Disciplined Float (-0.32% YoY Shares)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 0% operating margin leave 13 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
45
Grade D$38.80+3% Next Q
Q2 (-2Q)
48
Grade D$39.95+2.1% Next Q
Q3 (-1Q)
50
Grade C-$40.80-1.6% Next Q
Current
53
Grade D+$40.15-0.9% Hist 90D Ξ±
Trajectory: D (45) β†’ D+ (53)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a FISI Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While FISI currently carries a cautious 53/100 (D+) rating due to Cash Engine Quality (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($40.12) and Max Pain ($42.16) forces dealer call-delta covering toward $46.31.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.32% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FISIβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFISI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
3.67% Total Yield
3.07% Cash ($1.23/yr) + 0.6% Buybacks
PAYOUT SAFETY SPEEDOMETER
41/100 β€’ ELEVATED PAYOUT WATCH
FREE CASH FLOW PAYOUT RATIO
96% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $22,819

Est. Year-10 Shareholder Yield: $837/yr
$10.9K
Yr 1
$11.8K
Yr 2
$12.8K
Yr 3
$13.9K
Yr 4
$15.1K
Yr 5
$16.4K
Yr 6
$17.8K
Yr 7
$19.3K
Yr 8
$21.0K
Yr 9
$22.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FISI)

  • βœ“Walkthrough of FISI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) β†’$100K Arena
FISI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.37%πŸ“ HORIZONTAL RANGE
2026-11-03O $40.88H $40.88L $39.37C $40.15VOL 256.2K
RES: $41.39SUP: $37.88SMA50: $40.12SMA200: $36.81
$43.87$40.13$36.39$32.64$28.90RES $41.39SUP $37.88$40.152026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FISI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ FISI Butterfly Map β†’ + Track FISI β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
0.4%/yr Implied 5Y Growth

vs. +2.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FISI today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for FISI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FISI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FISI)

Financials Rank #574 of 1097 βš”οΈ SHBI vs FISI Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (FISI vs. SHBI, IBCP, WASH, RCBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Financial Institutions Inc. (FISI) ranks #574 by composite RQD confidence (53/100, grade D+) and #603 by equity capitalization ($775.8M). Within this direct 5-issuer industry benchmark cohort, FISI leads on earnings valuation at 10.8x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and β€” gross margin. IBCP currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FISI at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FISI ACTIVE
Financial Institutions Inc.
D+ 53/100 10.8x β€” 11.9% +1.98% $775.8M Benchmark Subject
SHBI
Shore Bancshares Inc
C 64/100 12.7x β€” 10.1% +2.86% $746.9M /shbi-vs-fisi β†’
IBCP
Independent Bank Corporation
B- 70/100 12.0x β€” 13.6% +2.13% $807.5M /ibcp-vs-fisi β†’
WASH
Washington Trust Bancorp Inc.
C+ 69/100 14.3x β€” 9.6% +3.40% $736.1M /wash-vs-fisi β†’
RCBC
River City Bank
C- 61/100 β€” β€” β€” +0.97% $823.4M /rcbc-vs-fisi β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000862831 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Financial Institutions Inc. (FISI) reported GAAP revenue of $2.64B (+2.6% vs. FY2024 revenue of $2.57B , and +1065.0% cumulative change since FY2023) , GAAP net income of $74.9M, operating cash flow of $18.8M, and free cash flow of $13.3M (-81.6% YoY). On the balance sheet, FISI closed FY2025 with $6.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.64B $74.9M $18.8M $13.3M $6.27B β€”
FY2024 (FY) 2024-12-31 $2.57B -$41.6M $77.1M $72.2M $6.12B β€”
FY2023 (FY) 2023-12-31 $226.2M $50.3M $10.9M $10.9M β€” β€”

3. FISI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FISI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Financial Institutions Inc. (NASDAQ: FISI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $40.15 (+1.98% 1D, market cap $775.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FISI ranks #574 in composite RQD confidence.

How does FISI compare to SHBI and IBCP in the Financials sector?

Within the Financials sector (Major Banks), FISI carries a Roarable D+ (53/100 RQD), trailing P/E of 10.8x, gross margin of β€”, and ROIC of 11.9%. By comparison, SHBI (Shore Bancshares Inc) holds a C grade (64/100 RQD, P/E 12.7x, ROIC 10.1%, cap $746.9M) and IBCP (Independent Bank Corporation) posts a B- grade (70/100 RQD, P/E 12.0x, ROIC 13.6%, cap $807.5M). Among the 5-stock peer group, FISI leads on earnings multiple (10.8x) while IBCP leads on capital efficiency (13.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FISI?

Per FISI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000862831), Financial Institutions Inc. generated $2.64B in revenue (+2.6% YoY), $74.9M in net income, and $13.3M in free cash flow against $6.27B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FISI trading relative to its 50-day, 200-day, and 52-week technical levels?

FISI last traded at $40.15 (+1.98% on volume of 152,510 shares), positioning the stock +0.07% above its 50-day simple moving average ($40.12) and +9.07% above its 200-day simple moving average ($36.81). Across its 52-week range of $28.03 to $42.97, FISI sits at the 81.1% percentile with a 14-day RSI of 45.5 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.4% ($38.38 to $41.92).

Direct Sub-Reports: FISI RQD Cockpit FISI 12M Forecast FISI Earnings & Move FISI Dividends & DRIP FISI Insiders & 13F FISI Whale Options FISI Profit Sankey FISI News & Why
ROARABLE RATING BRIEF β€’ RQD 53/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

FISI β€” Financial Institutions Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Financial Institutions Inc. (FISI) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $40.15 (+1.98% 1D, market capitalization $775.8M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 11.9%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 1.65%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Financial Institutions Inc. (FISI) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry. Market capitalization is listed at $0.8B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Financial Institutions Inc. (FISI) reported $2.64B in annual revenue (up from $2.57B in FY2024, +2.6% YoY) and $74.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($226.2M revenue, $50.3M net income) through FY2025, FISI scaled operating cash flow to $18.8M and free cash flow to $13.3M, backed by $6.27B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 53/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.65% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $28.03 – $42.97 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 10.8x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context available is the Financials / Major Banks classification and the funding-cost reference in the news wire.

  • Key Question #1: Can FISI sustain or expand its β€” operating margin and 11.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.64B and free cash flow of $13.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FISI's 10.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FISI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Financial Institutions Inc. (FISI) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FISI Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FISI Bull vs. Bear Conversation Board β€” What's Your Call at $40.15?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FISI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FISI:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $51.57 (+31.0%)
πŸ“Œ Pinned Debate

Net income rose from -$41.6M in FY 2024 to $74.9M in FY 2025, with a 10.8 TTM P/E and 3.07% dividend yield.

Don't sleep on FISI's setup in Financials. Net income rose from -$41.6M in FY 2024 to $74.9M in FY 2025, with a 10.8 TTM P/E and 3.07% dividend yield.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (53/100) backs up the fundamental quality.

VolSurface_Trader πŸ‚ BULL

@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $39.37 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $31.10 (-21.0%)
Spot @ $39.37

The RQD rating's Fundamental Cash Engine pillar scores 7 of 20 on a 1.65% FCF yield, and FCF fell from $72.2M to $13.3M over the same p

Sitting on the sidelines or leaning short FISI above $39.37. The RQD rating's Fundamental Cash Engine pillar scores 7 of 20 on a 1.65% FCF yield, and FCF fell from $72.2M to $13.3M over the same period.. Until Fundamental Cash Engine (7/20) and FCF yield (1.65%) inflect higher, upside is capped near $42.97.

LIVE TAPE