# Financial Institutions, Inc. (FISI): Dividend & Fundamentals

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- Sector: Financial Services · Industry: Banks - Regional
- Exchange: NASDAQ · Trading currency: USD

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans;...

## Quote & Key Metrics

As of 2026-10-23:

| Metric | Value |
|---|---|
| Price | $40.58 USD |
| Market Cap | $799.7M |
| P/E (TTM) | 10.07 |
| EPS (TTM) | $4.03 |
| 52-Week Range | $28.00 – $42.97 |
| Dividend Yield (TTM) | 3.13% |

## Dividend

| Metric | Value |
|---|---|
| Yield (TTM) | 3.13% |
| Annual Dividend (TTM) | $1.27 /share |
| Annual Dividend (Forward) | $1.28 /share |
| Frequency | Quarterly |
| Consecutive Growth Streak | 16 years |
| Growth CAGR 1Y / 3Y / 5Y / 10Y | 3.2% / 2.2% / 3.5% / 4.8% |
| Payout Ratio (EPS, TTM) | 31.2% |
| Payout Ratio (FCF, TTM) | — |
| Payout Ratio (EPS, forward dividend) | 31.7% |
| Payout Ratio (FCF, forward dividend) | — |

### Recent Payments

| Ex-Date | Amount | Pay Date |
|---|---|---|
| 2026-09-15 | $0.3200 | 2026-10-02 |
| 2026-06-12 | $0.3200 | 2026-07-02 |
| 2026-03-13 | $0.3200 | 2026-04-02 |
| 2025-12-15 | $0.3100 | 2026-01-02 |
| 2025-09-15 | $0.3100 | 2025-10-02 |
| 2025-06-13 | $0.3100 | 2025-07-02 |
| 2025-03-14 | $0.3100 | 2025-04-02 |
| 2024-12-13 | $0.3000 | 2025-01-02 |
| 2024-09-13 | $0.3000 | 2024-10-02 |
| 2024-06-14 | $0.3000 | 2024-07-02 |
| 2024-03-14 | $0.3000 | 2024-04-02 |
| 2023-12-13 | $0.3000 | 2024-01-02 |

Full history: https://www.dividenddata.com/stocks/fisi/dividend

## Frequently Asked Questions

### What does Financial Institutions, Inc. do?

Financial Institutions, Inc. (FISI) operates in the Banks - Regional industry within the Financial Services sector. Full company description, peers, and segment breakdown are on the page above.

### What is FISI's market cap?

Financial Institutions, Inc. (FISI) has a market capitalization of approximately $799.7 million, as of October 23, 2026, based on the most recent share price and shares outstanding.

### Does FISI pay a dividend?

Yes, Financial Institutions, Inc. (FISI) pays a dividend quarterly, with a trailing-twelve-month yield of 3.13%. Full distribution history, payout ratios, and growth rates are on the Dividend tab.

### How often does FISI pay dividends?

Financial Institutions, Inc. pays dividends quarterly. The forward annual rate is $1.28 per share at the current declared cadence. Each ex-dividend date, record date, and payment date is listed in the dividend history table on this page.

### What is FISI's payout ratio?

Financial Institutions, Inc.'s payout ratio is the percentage of earnings (and free cash flow) returned to shareholders as dividends. Current EPS and FCF coverage are shown in the payout cards above, with green / amber / red coloring indicating sustainability.

## More on Dividend Data

- Overview (HTML): https://www.dividenddata.com/stocks/fisi
- Dividend history & safety: https://www.dividenddata.com/stocks/fisi/dividend
- Earnings & EPS: https://www.dividenddata.com/stocks/fisi/earnings
- Financial statements: https://www.dividenddata.com/stocks/fisi/financials/income
- Valuation multiples: https://www.dividenddata.com/stocks/fisi/valuation
- Peer comparison: https://www.dividenddata.com/stocks/fisi/peers

Data sourced from primary filings and market data providers; see https://www.dividenddata.com/methodology.