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/research/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/research/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

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

FISI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FINANCIAL INSTITUTIONS INC (FISI), a Financials sector company. FISI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), FINANCIAL INSTITUTIONS INC reports quarterly revenue of $62.7M, net income of $21.0M, free cash flow of $23.0M. 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.

Revenue

Q1 2026

$62.7M

Net Income

Q1 2026

$21.0M

Free Cash Flow

Q1 2026

$23.0M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+279.8% YoY

$74.9MFY 2025

FY20 $38.3MFY22 $56.6MFY24 $-41.6MFY25 $74.9M

EPS (Diluted)

+231.3% YoY

$3.61FY 2025

FY20 $2.30FY22 $3.56FY24 $-2.75FY25 $3.61

Total Assets

+2.6% YoY

$6.27BFY 2025

FY20 $4.91BFY22 $5.80BFY24 $6.12BFY25 $6.27B

Total Debt

+35.2% YoY

$302.7MFY 2025

FY20 $78.9MFY22 $279.2MFY24 $223.8MFY25 $302.7M

Op. Cash Flow

-75.6% YoY

$18.8MFY 2025

FY20 $43.5MFY22 $133.6MFY24 $77.1MFY25 $18.8M

Metric	FY 2025	FY 2024	FY 2022	FY 2020	FY 2019	FY 2016
Net Income	$74.9M +279.8%	$-41.6M -173.6%	$56.6M +47.6%	$38.3M -21.6%	$48.9M +53.0%	$31.9M
EPS (Diluted)	$3.61 +231.3%	$-2.75 -177.2%	$3.56 +54.8%	$2.30 -22.3%	$2.96 +41.0%	$2.10
Total Assets	$6.27B +2.6%	$6.12B +5.5%	$5.80B +18.0%	$4.91B +12.0%	$4.38B +18.2%	$3.71B
Total Debt	$302.7M +35.2%	$223.8M -19.8%	$279.2M +253.8%	$78.9M -74.9%	$314.8M -15.1%	$370.6M
Operating Cash Flow	$18.8M -75.6%	$77.1M -42.3%	$133.6M +207.4%	$43.5M -24.7%	$57.7M +23.6%	$46.7M

AI Insight: FISI Financial Trends

FISI recovered from Q4 2024's $83M loss to consistent $17-21M quarterly profits, but operating cash flow remains volatile with negative quarters in mid-2025.

• Net income stabilized at $17-21M per quarter in 2025-2026 after recovering from Q4 2024's $83M loss.

• Equity grew steadily from $468M in Q2 2024 to $632M in Q1 2026, reflecting consistent capital accumulation.

• Total debt declined from $327M in Q2 2024 to $193M in Q1 2026 despite some quarterly volatility.

⚠ Operating cash flow turned negative in Q2 and Q3 2025 despite positive net income, signaling potential working capital issues.

⚠ Debt spiked to $303M in Q4 2025 before dropping back to $193M in Q1 2026, indicating potential refinancing activity.

AI Insight: FISI Ratio Trends

FISI recovered from Q4 2024's massive loss to deliver steady mid-teens ROE, though ROIC remains below 2024 highs.

• ROE rebounded from -58.2% in Q4 2024 to 13.3% in Q1 2026, stabilizing around 11-13% range.

• ROA improved from -5.4% in Q4 2024 to 1.3% in Q1 2026, maintaining consistent 1.1-1.3% levels through 2025.

• Debt-to-equity ratio declined from 0.70 in Q2 2024 to 0.30 in Q1 2026, strengthening balance sheet leverage.

⚠ ROIC peaked at 15.2% in Q2 2024 but has struggled to exceed 12.8% since the Q4 2024 disruption.

⚠ Q4 2024 showed severe profitability collapse across all metrics before recovery — monitor for repeat episodes.

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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
$57.6M1,816,102 sh
BlackRock, Inc.
$46.9M1,478,072 sh
DIMENSIONAL FUND ADVISORS LP
$30.4M957,667 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$30.1M948,441 sh
WELLINGTON MANAGEMENT GROUP LLP
$28.6M900,493 sh
VANGUARD CAPITAL MANAGEMENT LLC
$26.5M835,538 sh
STATE STREET CORP
$18.5M579,119 sh
GEODE CAPITAL MANAGEMENT, LLC
$18.0M568,696 sh
Ategra Capital Management, LLC
$17.9M564,100 sh
RAYMOND JAMES FINANCIAL INC
$11.1M349,028 sh

Fund	Value	Shares
PL Capital Advisors, LLC	$57.6M	1,816,102
BlackRock, Inc.	$46.9M	1,478,072
DIMENSIONAL FUND ADVISORS LP	$30.4M	957,667
ADAGE CAPITAL PARTNERS GP, L.L.C.	$30.1M	948,441
WELLINGTON MANAGEMENT GROUP LLP	$28.6M	900,493
VANGUARD CAPITAL MANAGEMENT LLC	$26.5M	835,538
STATE STREET CORP	$18.5M	579,119
GEODE CAPITAL MANAGEMENT, LLC	$18.0M	568,696
Ategra Capital Management, LLC	$17.9M	564,100
RAYMOND JAMES FINANCIAL INC	$11.1M	349,028

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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.

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.