What is the 13F Pro Quality Score for FISI?

13F Pro ranks FINANCIAL INSTITUTIONS INC (FISI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FISI's current score at https://13fpro.ai/company/FISI (free sign-up required for the full ranking).

Which hedge funds own the most FISI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FISI include PL Capital Advisors,, BlackRock,, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FISI as soon as new 13F filings post.

Where does 13F Pro source FISI data?

All FINANCIAL INSTITUTIONS INC fundamentals and ownership data come directly from SEC EDGAR. FINANCIAL INSTITUTIONS INC files with the SEC under CIK 862831. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FISI in?

FINANCIAL INSTITUTIONS INC (FISI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FISI research updated on 13F Pro?

FISI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FINANCIAL INSTITUTIONS INC(FISI)Stock Analysis

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13F Pro Quality Score

51.3/100

Rank #1,545 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

41.4/100

Profitability

94.0/100

Balance Sheet

47.4/100

Earnings Quality

22.3/100

Free Cash Flow

75.4/100

Institutional Flow

21.6/100

Revenue Scale

27.0/100

Dilution Risk

50.9/100

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Why FISI Scores 51/100

exact factor attribution · 2026-09-11

FISI's composite is driven by profitability and free cash flow, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.8 pts

94th pct

Free cash flow

+3.8 pts

75th pct

Earnings growth

+1.6 pts

74th pct

Shareholder dilution

+0.1 pts

51th pct

Capital efficiency

-0.3 pts

47th pct

Institutional flow

-1.9 pts

22th pct

Revenue growth

-2.3 pts

41th pct

Earnings quality

-2.8 pts

22th pct

Scale

-4.6 pts

27th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FISI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FINANCIAL INSTITUTIONS INC (FISI), a Financials sector company. 13F Pro's AI-powered ranking engine scores FISI at 51.3/100 on a 32-signal composite quality model, placing it at rank #1,545 of 2,962 stocks — the bottom half of the AI-ranked universe. FISI scores in the top quartile across profitability (94.0), free cash flow (75.4). Areas of concern include institutional flow (21.6) and earnings quality (22.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FINANCIAL INSTITUTIONS INC reports quarterly revenue of $64.3M, net income of $21.2M, free cash flow of $21.8M. Top institutional holders of FISI by reported 13-F value include PL Capital Advisors, BlackRock, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. FISI trades on the Nasdaq exchange and files with the SEC under CIK 862831. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FISI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FINANCIAL INSTITUTIONS INC directly from SEC EDGAR. FINANCIAL INSTITUTIONS INC's 13F Pro composite quality score has ranged between 33 and 51 since 2026, currently 51.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about FINANCIAL INSTITUTIONS INC

Quirks, history, and lore behind FISI — the kind of stuff that makes a stock memorable.

1
The Basics
A community banking holding company · small-cap · listed on Nasdaq · headquartered in upstate New York.
2
The Numbers
Total assets in the range of $6 billion, with a focus on retail and commercial banking — nothing flashy, just bread-and-butter lending in a quiet corner of the Northeast.
3
The History
The company grew through acquisitions of smaller community banks across New York and New England, knitting together a regional franchise one handshake at a time.
4
The Secret
It operates primarily through its subsidiary bank, serving individuals, municipalities, and small businesses — the kind of banker who actually knows your name.
5
The Lore
Its home base of Glens Falls sits near the Adirondacks — a region better known for hiking boots than hedge funds, which suits this old-school community lender just fine.
6
The Giveaway
Its ticker is almost comically on the nose: a financial institution, in New York, whose holding company name literally spells out exactly what it is — Financial Institutions Inc.

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Revenue

Q2 2026

$64.3M

Net Income

Q2 2026

$21.2M

Free Cash Flow

Q2 2026

$21.8M

ROIC

Q2 2026

11.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+109.5% YoY

$244.9MFY 2025

FY22 $213.6MFY23 $214.0MFY24 $116.9MFY25 $244.9M

Net Income

+279.8% YoY

$74.9MFY 2025

FY22 $56.6MFY23 $50.3MFY24 $-41.6MFY25 $74.9M

EPS (Diluted)

+231.3% YoY

$3.61FY 2025

FY22 $3.56FY23 $3.15FY24 $-2.75FY25 $3.61

Total Assets

+2.6% YoY

$6.27BFY 2025

FY22 $5.80BFY23 $6.16BFY24 $6.12BFY25 $6.27B

Total Debt

+35.2% YoY

$302.7MFY 2025

FY22 $279.2MFY23 $309.5MFY24 $223.8MFY25 $302.7M

Op. Cash Flow

-75.6% YoY

$18.8MFY 2025

FY22 $133.6MFY23 $10.9MFY24 $77.1MFY25 $18.8M

Free Cash Flow

-81.6% YoY

$13.3MFY 2025

FY22 $125.2MFY23 $7.9MFY24 $72.2MFY25 $13.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$244.9M +109.5%	$116.9M -45.4%	$214.0M +0.1%	$213.6M +6.0%	$201.6M +10.7%	$182.2M
Net Income	$74.9M +279.8%	$-41.6M -182.9%	$50.3M -11.2%	$56.6M -27.2%	$77.7M +102.7%	$38.3M
EPS (Diluted)	$3.61 +231.3%	$-2.75 -187.3%	$3.15 -11.5%	$3.56 -25.5%	$4.78 +107.8%	$2.30
Total Assets	$6.27B +2.6%	$6.12B -0.7%	$6.16B +6.3%	$5.80B +5.0%	$5.52B +12.4%	$4.91B
Total Debt	$302.7M +35.2%	$223.8M -27.7%	$309.5M +10.9%	$279.2M +168.7%	$103.9M +31.7%	$78.9M
Operating Cash Flow	$18.8M -75.6%	$77.1M +608.0%	$10.9M -91.8%	$133.6M +83.1%	$73.0M +67.9%	$43.5M
Free Cash Flow	$13.3M -81.6%	$72.2M +813.1%	$7.9M -93.7%	$125.2M +97.0%	$63.6M +62.2%	$39.2M

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Available Research

13F Pro tracks comprehensive data for FINANCIAL INSTITUTIONS INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FISI

PL Capital Advisors, LLC
$70.8M1,816,102 sh
BlackRock, Inc.
$65.0M1,667,260 sh
DIMENSIONAL FUND ADVISORS LP
$39.1M1,002,481 sh
VANGUARD CAPITAL MANAGEMENT LLC
$32.8M841,166 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$32.5M834,969 sh
STATE STREET CORP
$23.3M592,493 sh
ACADIAN ASSET MANAGEMENT LLC
$23.1M593,367 sh
GEODE CAPITAL MANAGEMENT, LLC
$22.9M586,724 sh
Ategra Capital Management, LLC
$22.0M564,100 sh
TWO SIGMA INVESTMENTS, LP
$17.8M457,098 sh

Fund	Value	Shares
PL Capital Advisors, LLC	$70.8M	1,816,102
BlackRock, Inc.	$65.0M	1,667,260
DIMENSIONAL FUND ADVISORS LP	$39.1M	1,002,481
VANGUARD CAPITAL MANAGEMENT LLC	$32.8M	841,166
ADAGE CAPITAL PARTNERS GP, L.L.C.	$32.5M	834,969
STATE STREET CORP	$23.3M	592,493
ACADIAN ASSET MANAGEMENT LLC	$23.1M	593,367
GEODE CAPITAL MANAGEMENT, LLC	$22.9M	586,724
Ategra Capital Management, LLC	$22.0M	564,100
TWO SIGMA INVESTMENTS, LP	$17.8M	457,098

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Is FISI a good stock to buy?

13F Pro's AI-powered analysis of FINANCIAL INSTITUTIONS INC (FISI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FISI are available on the FISI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FISI is classified as a small company.

Which hedge funds own FISI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FISI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FINANCIAL INSTITUTIONS INC's investment landscape.