Is Financial Institutions, Inc. a good dividend stock?

Financial Institutions, Inc. (FISI) is a dividend-paying stock with a current dividend yield of 3.21%. Review its dividend history, payout consistency and growth to judge whether it fits your income strategy.

What is FISI's dividend yield?

The dividend yield for FISI stock is currently 3.21%.

How much does FISI pay in dividends per year?

Financial Institutions, Inc. pays an annual dividend of $1.2600 per share over the trailing twelve months.

How often does FISI pay dividends?

FISI stock pays dividends quarterly.

Is FISI's dividend growing?

Financial Institutions, Inc.'s 3-year dividend CAGR is 2.21%.

FISI Stock Price, Chart, Stats & News

Financial Institutions, Inc.

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Overview Dividend safety Dividends Fundamentals

Financial Institutions, Inc. (FISI) is a dividend-paying stock with a current dividend yield of 3.21% as of Jul 20, 2026. It pays $1.26 per share over the trailing twelve months and distributes quarterly. Its dividend has grown at a 3.52% 5-year compound annual rate.

773.87M

Market cap

10.24x

Current P/E

11.27x

Forward P/E

3.21%

Dividend yield

$1.26

FISI dividend

Dividend safety

Strong

Dividend coverage looks healthy — FISI pays out about 33% of earnings.

See the safety analysis

FISI chart

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Fundamentals

Gross margin	61.61%
Operating margin	24.23%
Pretax margin	24.23%
Net margin	19.86%
Effective tax rate	18.05%
ROA	1.19%
ROE	12.26%
D/E	0.53x
Interest coverage ratio	0.69x

All financials

FISI valuation

P/E	10.24x
P/S	1.65x
P/B	0.99x
P/CF	33.02x
P/FCF	39.93x
P/OCF	33.02x
PEG	0.03x
EV multiple	4.08x

About

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; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans.