FISI Financial Institutions, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 3, 2026
$39.98
· of 52w range
· above low
· to high
$25.6152w low
$42.9752w high
Market Cap (MRQ)
$788M
P/E
11.0
EPS
$3.61
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52W Range
$26–$43
Analyst Rating
BUY
Price Target
$45
P/E
11.0
ROE
12.2%
Net Profit Margin
30.6%
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FISI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$39.98
Market Cap (MRQ)
$788M
P/E
11.0
EPS
$3.61
Div Yield
3.1%
ROE
12.2%
Debt/Equity (MRQ)
0.3
52W Range
$26–$43
FISI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.612016-12-31 → 2025-12-31
Free Cash Flow$13M2016-12-31 → 2025-12-31
Net margin30.6%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FISI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.05Y avg ≈3.8 | ≈3.8 | 11.6 | Undervalued | |
| P/S | 3.25Y avg ≈2.6 | ≈2.6 | 3.0 | Fair value | |
| P/B (MRQ) | 1.25Y avg ≈0.9 | ≈0.9 | 1.2 | Fair value | |
| Price / FCF (TTM) | 14.05Y avg ≈21.3 | ≈21.3 | · | · | |
| Price / Cash Flow (TTM) | 12.95Y avg ≈16.0 | ≈16.0 | 10.6 | Overvalued | |
| EV / Revenue | 3.2 | · | · | · | |
| EV / FCF | 59.4 | · | · | · | |
| Price / Tangible Book (MRQ) | 1.25Y avg ≈1.1 | ≈1.1 | · | · | |
| PEG Ratio | ≈1.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FISI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 37.3%5Y avg ≈18.0% | ≈18.0% | 39.8% | In line | |
| Net Profit Margin | 30.6%5Y avg ≈16.7% | ≈16.7% | 32.3% | In line | |
| ROA | 1.2%5Y avg ≈0.77% | ≈0.77% | 1.2% | In line | |
| ROE | 12.2%5Y avg ≈9.1% | ≈9.1% | 11.2% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | FISI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.35Y avg ≈0.3 | ≈0.3 | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FISI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 109.5%5Y avg ≈16.2% | ≈16.2% | · | · | |
| Revenue CAGR 3Y | 4.7%5Y avg ≈-2.1% | ≈-2.1% | · | · | |
| Revenue CAGR 5Y | 6.1% | · | · | · | |
| EPS YoY | -11.5%5Y avg ≈23.6% | ≈23.6% | · | · | |
| Net Income YoY | -11.2%5Y avg ≈21.4% | ≈21.4% | · | · | |
| EPS CAGR 3Y | 0.47% | · | · | · | |
| EPS CAGR 5Y | 9.4% | · | · | · | |
| Net Income CAGR 3Y | 9.8% | · | · | · | |
| Net Income CAGR 5Y | 14.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FISI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.1%
Payout Ratio33.0%
Annualized Payout≈$1.28
5Y Div CAGR≈3.6%
Growth Streak≈1
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 15, 2026 | $0.32 | USD | ≈3.1% |
| Jun 12, 2026 | $0.32 | USD | ≈3.3% |
| Mar 13, 2026 | $0.32 | USD | ≈4.1% |
| Dec 15, 2025 | $0.31 | USD | ≈3.8% |
| Sep 15, 2025 | $0.31 | USD | ≈4.6% |
| Jun 13, 2025 | $0.31 | USD | ≈4.9% |
| Mar 14, 2025 | $0.31 | USD | ≈4.6% |
| Dec 13, 2024 | $0.30 | USD | ≈4.2% |
| Sep 13, 2024 | $0.30 | USD | ≈4.7% |
| Jun 14, 2024 | $0.30 | USD | ≈7.0% |
| Mar 14, 2024 | $0.30 | USD | ≈6.6% |
| Dec 13, 2023 | $0.30 | USD | ≈5.8% |
| Sep 13, 2023 | $0.30 | USD | ≈7.0% |
| Jun 14, 2023 | $0.30 | USD | ≈7.1% |
| Mar 15, 2023 | $0.30 | USD | ≈5.6% |
| Dec 15, 2022 | $0.29 | USD | ≈4.9% |
| Sep 15, 2022 | $0.29 | USD | ≈4.6% |
| Jun 16, 2022 | $0.29 | USD | ≈4.4% |
| Mar 17, 2022 | $0.29 | USD | ≈3.4% |
| Dec 16, 2021 | $0.27 | USD | ≈3.4% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
6.5%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $1.04 | $0.95 | 9.6% |
| March 31, 2026 | $1.04 | $0.94 | 10.8% | |
| Dec. 31, 2025 | $0.96 | $0.96 | -0.51% | |
| Sept. 30, 2025 | $0.99 | $0.90 | 10.5% | |
| June 30, 2025 | $0.85 | $0.84 | 0.77% | |
| March 31, 2025 | $0.81 | $0.75 | 8.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $120M | $29M | $12M | $22M | $39M | $30M | $17M | $13M | $10M | $7M | |
| Interest Income | $333M | $313M | $286M | $196M | $167M | $161M | $169M | $153M | $130M | $115M | $105M | $101M | |
| Pretax Income | $91M | $-68M | $63M | $71M | $97M | $46M | $59M | $50M | $43M | $44M | $39M | $39M | |
| Income Tax | $16M | $-27M | $13M | $14M | $20M | $7M | $11M | $10M | $10M | $12M | $11M | $10M | |
| Net Income | $75M | $-42M | $50M | $57M | $78M | $38M | $49M | $40M | $34M | $32M | $28M | $29M | |
| EPS (Basic) | $3.65 | $-2.75 | $3.17 | $3.58 | $4.81 | $2.30 | $2.97 | $2.39 | $2.13 | $2.11 | $1.91 | $2.01 | |
| EPS (Diluted) | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 | $2.30 | $2.96 | $2.39 | $2.13 | $2.10 | $1.90 | $2.00 | |
| Shares (Basic) | 20,099,000 | 15,683,000 | 15,376,000 | 15,384,000 | 15,841,000 | 16,022,000 | 15,972,000 | 15,910,000 | 15,044,000 | 14,436,000 | 14,081,000 | 13,893,000 | |
| Shares (Diluted) | 20,318,000 | 15,683,000 | 15,475,000 | 15,471,000 | 15,937,000 | 16,063,000 | 16,031,000 | 15,956,000 | 15,085,000 | 14,491,000 | 14,135,000 | 13,946,000 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $109M | $87M | $124M | · | · | · | · | · | · | · | · | $58M | |
| PP&E (Net) | $40M | $40M | $40M | $42M | $40M | $41M | $41M | $43M | $45M | $42M | $39M | $36M | |
| PP&E (Gross) | $105M | $105M | $103M | $101M | $95M | $104M | $102M | $99M | $98M | $91M | $84M | $77M | |
| Accum. Depreciation | $65M | $65M | $63M | $59M | $55M | $63M | $61M | $57M | $52M | $49M | $45M | $41M | |
| Goodwill | $58M | $58M | $67M | $67M | $67M | $66M | $66M | $66M | $66M | $66M | $60M | $61M | |
| Intangibles | $2M | $3M | $5M | $6M | $7M | $8M | $9M | $10M | $9M | $9M | $7M | $7M | |
| Total Assets | $6.27B | $6.12B | $6.16B | $5.80B | $5.52B | $4.91B | $4.38B | $4.31B | $4.11B | $3.71B | $3.38B | $3.09B | |
| Short-term Debt | $109M | $99M | $185M | $205M | $30M | $5M | $276M | $470M | $446M | $332M | $293M | $335M | |
| Total Liabilities | $5.65B | $5.55B | $5.71B | $5.39B | $5.02B | $4.44B | $3.95B | $3.92B | $3.72B | $3.39B | $3.09B | $2.81B | |
| Long-term Debt | $194M | $125M | $125M | $74M | $74M | $74M | $39M | $39M | $39M | $39M | $39M | $0 | |
| Total Debt | $109M | $99M | $185M | $205M | $30M | $5M | $276M | $470M | $446M | $332M | $293M | $335M | |
| Common Stock | $207.0K | $207.0K | $161.0K | $161.0K | $161.0K | $161.0K | $161.0K | $161.0K | $161.0K | $147.0K | $144.0K | $144.0K | |
| Paid-in Capital | $234M | $233M | $126M | $127M | $126M | $125M | $125M | $123M | $121M | $82M | $73M | $73M | |
| Retained Earnings | $437M | $389M | $452M | $421M | $384M | $325M | $313M | $280M | $257M | $238M | $219M | $203M | |
| Treasury Stock | $27M | $18M | $20M | $22M | $9M | $1M | $2M | $2M | $3M | $3M | $4M | $5M | |
| AOCI | $-33M | $-53M | $-120M | $-137M | $-13M | $2M | $-15M | $-21M | $-12M | $-14M | $-11M | $-9M | |
| Stockholders' Equity | $629M | $569M | $455M | $406M | $505M | $468M | $439M | $396M | $381M | $320M | $294M | $280M | |
| Liabilities + Equity | $6.27B | $6.12B | $6.16B | $5.80B | $5.52B | $4.91B | $4.38B | $4.31B | $4.11B | $3.71B | $3.38B | $3.09B | |
| Shares Outstanding | 19,797,407 | 20,076,572 | 15,407,406 | 15,340,001 | 15,745,453 | 16,041,926 | 16,099,556 | 15,928,598 | 15,924,938 | 14,537,597 | 14,190,192 | 14,118,048 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $6M | $6M | $6M | $5M | $5M | |
| Stock-based Comp | $3M | $2M | $2M | $3M | $2M | $1M | $1M | $1M | $1M | $845.0K | $674.0K | $471.0K | |
| Deferred Tax | $12M | $-35M | $-1M | $-4M | $5M | $-5M | $369.0K | $-10M | $12M | $-2M | $2M | $2M | |
| Amort. of Intangibles | $415.0K | $552.0K | $910.0K | $986.0K | $1M | $1M | $1M | $1M | $1M | $1M | $942.0K | $89.0K | |
| Restructuring | · | $35.0K | $114.0K | $2M | $111.0K | $1M | · | · | · | · | · | · | |
| Operating Cash Flow | $19M | $77M | $11M | $134M | $73M | $43M | $58M | $65M | $46M | $47M | $43M | $35M | |
| CapEx | $6M | $5M | $3M | $8M | $9M | $4M | $4M | $3M | $8M | $8M | $7M | $5M | |
| Investing Cash Flow | $-140M | $-8M | $-310M | $-325M | $-633M | $-531M | $-25M | $-225M | $-373M | $-327M | $-306M | $-153M | |
| Debt Issued | $80M | $0 | $50M | $0 | $0 | $35M | · | · | · | · | $40M | · | |
| Net Debt Issued | $70M | $0 | $50M | $0 | · | $35M | · | · | · | · | $40M | · | |
| Stock Issued | $0 | $109M | $0 | $0 | · | · | · | · | $38M | · | · | · | |
| Stock Repurchased | $11M | $426.0K | $571.0K | $15M | $9M | $209.0K | $293.0K | $113.0K | $148.0K | · | $202.0K | $194.0K | |
| Net Stock Activity | $-11M | $108M | $-571.0K | $-15M | $-9M | $-209.0K | $-293.0K | $-113.0K | $38M | · | $-202.0K | $-194.0K | |
| Dividends Paid | $25M | $19M | $18M | $18M | $17M | $16M | $16M | $15M | $12M | $11M | $11M | $11M | |
| Financing Cash Flow | $143M | $-106M | $293M | $243M | $546M | $469M | $-23M | $164M | $354M | $291M | $265M | $117M | |
| Net Change in Cash | $21M | $-37M | $-6M | $51M | $-15M | $-19M | $10M | $4M | $28M | $11M | $2M | $-2M | |
| Taxes Paid | $-17.0K | $3M | $6M | $3M | $11M | $7M | $10M | $4M | $13M | $11M | $7M | $14M | |
| Free Cash Flow | $13M | $72M | $8M | $125M | $64M | $39M | $54M | $62M | $39M | $39M | $36M | $30M | |
| Levered FCF | · | · | $-88M | $102M | $54M | $20M | $22M | $38M | $25M | $30M | $28M | $24M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.6% | -35.6% | 23.5% | 26.5% | 38.5% | 21.0% | 28.7% | 24.8% | 22.8% | 23.1% | 22.6% | 24.6% | |
| Pretax Margin | 37.3% | -58.3% | 29.5% | 33.2% | 48.2% | 25.1% | 34.9% | 31.1% | 29.5% | 31.9% | 30.9% | 32.7% | |
| ROA | 1.2% | -0.68% | 0.84% | 1.0% | 1.5% | 0.82% | 1.1% | 0.94% | 0.86% | 0.90% | 0.88% | 0.98% | |
| ROE | 12.2% | -7.8% | 11.6% | 14.1% | 15.6% | 8.3% | 11.2% | 10.0% | 9.0% | 9.9% | 9.6% | 11.0% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.2 | 0.2 | 0.4 | 0.5 | 0.1 | 0.0 | 0.6 | 1.2 | 1.2 | 1.0 | 1.0 | 1.2 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $31.76 | $28.34 | $29.52 | $26.44 | $31.38 | $29.20 | $27.43 | $24.88 | $23.94 | $22.02 | $20.71 | $19.80 | |
| Revenue / Share | $12.06 | $7.45 | $13.83 | $13.81 | $12.65 | $11.34 | $10.62 | $9.99 | $9.77 | $9.55 | $8.89 | $8.54 | |
| Cash Flow / Share | $0.93 | $4.92 | $0.70 | $8.63 | $4.58 | $2.71 | $3.60 | $4.08 | $3.07 | $3.22 | $3.05 | $2.53 | |
| Cash / Share | $5.49 | $4.35 | · | · | · | · | · | · | · | · | · | $4.12 | |
| Dividend / Share | $1.24 | $1.20 | $1.20 | $1.16 | $1.08 | $1.04 | $1.00 | $0.96 | $0.85 | $0.81 | $0.80 | $0.77 | |
| EPS (TTM) | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 | $2.30 | $2.96 | $2.39 | $2.13 | $2.10 | $1.90 | $2.00 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 109.5% | -45.4% | 0.15% | 5.9% | 10.7% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 4.7% | -16.6% | 5.5% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.1% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | · | · | -11.5% | -25.5% | 107.8% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 0.47% | · | 11.1% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 9.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | · | · | -11.2% | -27.2% | 102.7% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 9.8% | · | 9.4% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 14.3% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 8.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $245M | $117M | $214M | $214M | $202M | $182M | $170M | $159M | $147M | $138M | $126M | $119M | |
| Net Income TTM | $75M | $-42M | $50M | $57M | $78M | $38M | $49M | $40M | $34M | $32M | $28M | $29M | |
| Market Cap | $617M | $548M | $328M | $374M | $512M | $361M | $514M | $409M | $495M | $497M | $397M | $355M | |
| Enterprise Value | $617M | $560M | · | · | · | · | · | · | · | · | · | $632M | |
| P/E | 8.6 | -9.9 | 6.8 | 6.8 | 6.7 | 9.8 | 10.8 | 10.8 | 14.6 | 16.3 | 14.7 | 12.6 | |
| P/S | 2.5 | 4.7 | 1.5 | 1.7 | 2.5 | 2.0 | 3.0 | 2.6 | 3.4 | 3.6 | 3.2 | 3.0 | |
| P/B | 1.0 | 1.0 | 0.7 | 0.9 | 1.0 | 0.8 | 1.2 | 1.0 | 1.3 | 1.6 | 1.4 | 1.3 | |
| P / Tangible Book | 1.1 | 1.1 | 0.9 | 1.1 | 1.2 | 0.9 | · | · | · | · | · | · | |
| P / Cash Flow | 32.8 | 7.1 | 30.1 | 2.8 | 7.0 | 8.3 | 8.9 | 6.3 | 10.7 | 10.6 | 9.2 | 10.1 | |
| P / FCF | 46.6 | 7.6 | 41.5 | 3.0 | 8.1 | 9.2 | 9.5 | 6.6 | 12.9 | 12.7 | 11.2 | 11.9 | |
| EV / FCF | 46.6 | 7.8 | · | · | · | · | · | · | · | · | · | 21.1 | |
| EV / Revenue | 2.5 | 4.8 | · | · | · | · | · | · | · | · | · | 5.3 | |
| Dividend Yield | 4.0% | 3.4% | 5.6% | 4.7% | 3.3% | 4.6% | 3.1% | 3.6% | 2.5% | 2.3% | 2.8% | 3.0% | |
| Earnings Yield | 11.6% | -10.1% | 14.8% | 14.6% | 15.0% | 10.2% | 9.2% | 9.3% | 6.9% | 6.1% | 6.8% | 8.0% | |
| Payout Ratio | 33.0% | -44.5% | 36.4% | 31.1% | 21.9% | 43.0% | 32.3% | 37.8% | 37.3% | 36.0% | 39.7% | 35.8% | |
| Annual Payout | $25M | $19M | $18M | $18M | $17M | $16M | $16M | $15M | $12M | $11M | $11M | $11M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $38M | $38M | · | $33M | $29M | $22M | · | $8M | |
| Interest Income | $83M | $82M | $85M | $84M | $83M | $81M | $78M | $78M | $79M | $78M | $77M | $75M | $71M | $64M | $58M | $51M | |
| Pretax Income | $26M | $25M | $24M | $25M | $21M | $21M | $-115M | $15M | $30M | $2M | $15M | $16M | $17M | $15M | $14M | $19M | |
| Income Tax | $4M | $4M | $4M | $5M | $4M | $4M | $-32M | $1M | $5M | $356.0K | $5M | $2M | $2M | $3M | $2M | $5M | |
| Net Income | $21M | $21M | $20M | $20M | $18M | $17M | $-83M | $13M | $26M | $2M | $10M | $14M | $14M | $12M | $12M | $14M | |
| EPS (Basic) | $1.06 | $1.05 | $0.98 | $1.00 | $0.85 | $0.82 | $-5.35 | $0.85 | $1.64 | $0.11 | $0.61 | $0.89 | $0.91 | $0.76 | $0.76 | $0.88 | |
| EPS (Diluted) | $1.04 | $1.04 | $0.96 | $0.99 | $0.85 | $0.81 | $-5.32 | $0.84 | $1.62 | $0.11 | $0.60 | $0.88 | $0.91 | $0.76 | $0.76 | $0.88 | |
| Shares (Basic) | 19,687,000 | 19,642,000 | · | 20,122,000 | 20,107,000 | 20,073,000 | · | 15,464,000 | 15,444,000 | 15,403,000 | · | 15,391,000 | 15,372,000 | 15,348,000 | · | 15,329,000 | |
| Shares (Diluted) | 19,941,000 | 19,922,000 | · | 20,336,000 | 20,294,000 | 20,285,000 | · | 15,636,000 | 15,556,000 | 15,543,000 | · | 15,462,000 | 15,413,000 | 15,435,000 | · | 15,393,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $99M | $85M | $109M | $186M | $93M | $167M | $87M | · | · | · | · | · | · | · | · | · | |
| PP&E (Net) | $38M | $38M | $40M | $39M | $40M | $39M | $40M | $41M | $40M | $40M | · | $40M | $41M | $42M | · | $41M | |
| PP&E (Gross) | · | · | $105M | · | · | · | $105M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $65M | · | · | · | $65M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $58M | $58M | $58M | $58M | $58M | $58M | $58M | $58M | $58M | $67M | $67M | $67M | $67M | $67M | $67M | $67M | |
| Intangibles | $2M | $2M | $2M | $2M | $2M | $3M | · | $3M | $3M | $5M | · | $6M | $6M | $6M | · | $7M | |
| Total Assets | $6.33B | $6.29B | $6.27B | $6.29B | $6.14B | $6.34B | $6.12B | $6.16B | $6.13B | $6.30B | · | $6.14B | $6.14B | $5.97B | · | $5.62B | |
| Short-term Debt | $182M | $114M | $109M | $55M | $101M | $55M | $99M | $55M | $202M | $133M | · | $70M | $374M | $116M | · | $69M | |
| Total Liabilities | $5.69B | $5.66B | $5.65B | $5.67B | $5.54B | $5.75B | $5.55B | $5.66B | $5.66B | $5.85B | · | $5.73B | $5.72B | $5.54B | · | $5.23B | |
| Long-term Debt | $79M | $79M | $194M | $115M | $115M | $125M | $125M | $125M | $125M | $125M | · | $124M | $124M | $124M | · | $74M | |
| Total Debt | $182M | $114M | · | $55M | $101M | $55M | · | $55M | $202M | $133M | · | $70M | $374M | $116M | · | $69M | |
| Common Stock | $207.0K | $207.0K | $207.0K | $207.0K | $207.0K | $207.0K | $207.0K | $161.0K | $161.0K | $161.0K | · | $161.0K | $161.0K | $161.0K | · | $161.0K | |
| Paid-in Capital | $233M | $233M | $234M | $234M | $233M | $232M | $233M | $125M | $125M | $125M | · | $126M | $125M | $125M | · | $126M | |
| Retained Earnings | $466M | $451M | $437M | $424M | $410M | $399M | $389M | $478M | $469M | $449M | · | $447M | $438M | $428M | · | $414M | |
| Treasury Stock | $30M | $31M | $27M | $16M | $16M | $17M | $18M | $18M | $18M | $19M | · | $20M | $20M | $21M | · | $23M | |
| AOCI | $-43M | $-39M | $-33M | $-37M | $-42M | $-42M | $-53M | $-102M | $-126M | $-126M | · | $-161M | $-134M | $-127M | · | $-141M | |
| Stockholders' Equity | $643M | $632M | $629M | $622M | $602M | $590M | $569M | $500M | $468M | $446M | $455M | $409M | $426M | $423M | $406M | $394M | |
| Liabilities + Equity | $6.33B | $6.29B | $6.27B | $6.29B | $6.14B | $6.34B | $6.12B | $6.16B | $6.13B | $6.30B | · | $6.14B | $6.14B | $5.97B | · | $5.62B | |
| Shares Outstanding | 19,706,360 | 19,686,370 | 19,797,407 | 20,129,633 | 20,127,575 | 20,109,712 | 20,076,572 | 15,474,314 | 15,472,395 | 15,446,949 | 15,407,406 | 15,401,800 | 15,401,800 | 15,375,479 | 15,340,001 | 15,334,091 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $1M | $903.0K | $861.0K | $756.0K | $954.0K | $506.0K | $-199.0K | $494.0K | $746.0K | $569.0K | $-255.0K | $721.0K | $657.0K | $551.0K | $499.0K | $662.0K | |
| Deferred Tax | $2M | $2M | $6M | $5M | $360.0K | $483.0K | $-36M | $-1M | $-1M | $4M | $-862.0K | $24.0K | $-927.0K | $417.0K | $-3M | $-886.0K | |
| Amort. of Intangibles | $96.0K | $98.0K | $100.0K | $103.0K | $105.0K | $107.0K | $109.0K | $112.0K | $114.0K | $217.0K | $221.0K | $225.0K | $230.0K | $234.0K | $239.0K | $244.0K | |
| Restructuring | · | · | · | $0 | $0 | $68.0K | · | $0 | $0 | $0 | · | $-55.0K | $-19.0K | · | $-1M | $0 | |
| Operating Cash Flow | $23M | $24M | $21M | $-7M | $-6M | $10M | $27M | $2M | $36M | $12M | $-48M | $44M | $8M | $7M | $16M | $36M | |
| CapEx | $848.0K | $650.0K | $2M | $1M | $2M | $816.0K | $403.0K | $2M | $951.0K | $1M | $1M | $507.0K | $384.0K | $848.0K | $3M | $2M | |
| Investing Cash Flow | $-32M | $-56M | $-62M | $-49M | $119M | $-147M | $-135M | $80M | $73M | $-26M | $-27M | $-4M | $-115M | $-165M | $-160M | $-67M | |
| Debt Issued | · | · | · | · | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $50M | $0 | $0 | |
| Net Debt Issued | · | $-115M | · | · | · | · | · | · | · | $0 | · | · | · | $50M | · | · | |
| Stock Repurchased | $65.0K | $6M | $11M | $34.0K | $0 | $481.0K | $4.0K | $26.0K | $3.0K | $393.0K | $8.0K | $0 | $2.0K | $561.0K | $13.0K | $0 | |
| Net Stock Activity | · | $-6M | · | · | · | $-481.0K | · | · | · | $-393.0K | · | · | · | $-561.0K | · | · | |
| Dividends Paid | $7M | $7M | $5M | $7M | $7M | $6M | $4M | $5M | $5M | $5M | $4M | $5M | $5M | $5M | $3M | $5M | |
| Financing Cash Flow | $23M | $9M | $-36M | $149M | $-187M | $217M | $-54M | $21M | $-199M | $126M | $7M | $-28M | $147M | $168M | $155M | $40M | |
| Net Change in Cash | $14M | $-23M | $-77M | $93M | $-74M | $80M | $-162M | $103M | $-91M | $113M | $-68M | $12M | $40M | $10M | $12M | $9M | |
| Taxes Paid | $0 | $0 | $-17.0K | $0 | $0 | $0 | $-33.0K | $419.0K | $3M | $0 | $0 | $2M | $4M | $1M | $2M | $257.0K | |
| Free Cash Flow | · | $23M | · | · | · | $9M | · | · | · | $11M | · | · | · | $6M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-22M | · | · | · | $-12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.9% | 33.5% | · | 32.1% | 29.3% | 29.5% | · | 26.9% | 39.3% | 4.1% | · | 26.9% | 26.7% | 22.9% | · | 24.9% | |
| Pretax Margin | 39.8% | 39.6% | · | 39.5% | 36.0% | 36.0% | · | 29.0% | 46.2% | 4.8% | · | 31.6% | 31.2% | 28.2% | · | 33.3% | |
| ROA | 0.34% | 0.33% | · | 0.33% | 0.29% | 0.27% | · | 0.22% | 0.42% | 0.03% | · | 0.24% | 0.25% | 0.21% | · | 0.25% | |
| ROE | 3.4% | 3.4% | · | 3.6% | 3.3% | 3.3% | · | 3.0% | 5.7% | 0.48% | · | 3.5% | 3.4% | 2.8% | · | 3.1% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.3 | 0.2 | · | 0.1 | 0.2 | 0.1 | · | 0.1 | 0.4 | 0.3 | · | 0.2 | 0.9 | 0.3 | · | 0.2 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $32.65 | $32.09 | · | $30.89 | $29.89 | $29.34 | · | $32.33 | $30.23 | $28.86 | · | $26.54 | $27.65 | $27.50 | · | $25.70 | |
| Revenue / Share | $3.23 | $3.15 | · | $3.14 | $2.94 | $2.82 | · | $3.21 | $4.19 | $3.28 | · | $3.37 | $3.49 | $3.42 | · | $3.62 | |
| Cash Flow / Share | · | $1.19 | · | · | · | $0.49 | · | · | · | $0.79 | · | · | · | $0.43 | · | · | |
| Cash / Share | $5.03 | $4.34 | · | $9.24 | $4.62 | $8.32 | · | · | · | · | · | · | · | · | · | · | |
| Dividend / Share | $0.32 | $0.32 | $0.31 | $0.31 | $0.31 | $0.31 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.29 | $0.29 | |
| EPS (TTM) | $4.03 | $3.84 | · | $-2.67 | $-2.82 | $-2.05 | · | $3.17 | $3.21 | $2.50 | · | $3.31 | $3.31 | $3.39 | · | $4.01 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $255M | $250M | · | $131M | $118M | $123M | · | $222M | $224M | $212M | · | $213M | $216M | $216M | · | $212M | |
| Net Income TTM | $83M | $79M | · | $-28M | $-35M | $-27M | · | $51M | $52M | $40M | · | $53M | $52M | $54M | · | $64M | |
| Market Cap | $768M | $624M | · | $548M | $517M | $502M | · | $394M | $299M | $291M | · | $259M | $242M | $296M | · | $369M | |
| Enterprise Value | $851M | $653M | · | $417M | $525M | $390M | · | · | · | · | · | · | · | · | · | · | |
| P/E | 9.7 | 8.3 | · | -10.2 | -9.1 | -12.2 | · | 8.0 | 6.0 | 7.5 | · | 5.1 | 4.8 | 5.7 | · | 6.0 | |
| P/S | 3.0 | 2.5 | · | 4.2 | 4.4 | 4.1 | · | 1.8 | 1.3 | 1.4 | · | 1.2 | 1.1 | 1.4 | · | 1.7 | |
| P/B | 1.2 | 1.0 | · | 0.9 | 0.9 | 0.9 | · | 0.8 | 0.6 | 0.7 | · | 0.6 | 0.6 | 0.7 | · | 0.9 | |
| P / Tangible Book | 1.3 | 1.1 | · | 1.0 | 1.0 | 0.9 | · | 0.9 | 0.7 | 0.8 | · | 0.8 | 0.7 | 0.8 | · | 1.2 | |
| P / Cash Flow | · | 26.4 | · | · | · | 50.2 | · | · | · | 23.7 | · | · | · | 45.2 | · | · | |
| EV / Revenue | 3.3 | 2.6 | · | 3.2 | 4.5 | 3.2 | · | · | · | · | · | · | · | · | · | · | |
| Dividend Yield | 3.2% | 4.0% | · | 4.2% | 4.2% | 4.0% | · | 4.7% | 6.2% | 6.3% | · | 7.0% | 7.4% | 6.0% | · | 4.7% | |
| Earnings Yield | 10.3% | 12.1% | · | -9.8% | -11.0% | -8.2% | · | 12.4% | 16.6% | 13.3% | · | 19.7% | 21.0% | 17.6% | · | 16.7% | |
| Payout Ratio | · | 31.5% | · | · | · | 37.8% | · | · | · | 240.7% | · | · | · | 39.8% | · | · | |
| Annual Payout | $25M | $25M | · | $23M | $22M | $20M | · | $18M | $18M | $18M | · | $18M | $18M | $18M | · | $17M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $75M | $-42M | $50M | $57M | $78M |
| Diluted EPS | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.2 | 0.2 | 0.4 | 0.5 | 0.1 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $13M | $72M | $8M | $125M | $64M |
Institutional owners (13F) 169 filers · $623.6M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
169
Value held
$623.6M
New positions
28
Exited positions
15
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 28 (-2 vs prior Q) | 15 (-3 vs prior Q) | 73 (+16 vs prior Q) | 33 (-7 vs prior Q) | -69K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| PL Capital Advisors, LLC | $70,773,495 | 1,816,102 | 11.35% | Shares |
| BlackRock, Inc. | $64,973,107 | 1,667,260 | 10.42% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $39,066,636 | 1,002,481 | 6.27% | Shares |
| VANGUARD GROUP INC | $36,064,500 | 1,157,026 | 5.78% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $32,780,239 | 841,166 | 5.26% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $32,538,742 | 834,969 | 5.22% | Shares |
| STATE STREET CORP | $23,273,091 | 592,493 | 3.73% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $22,870,028 | 586,724 | 3.67% | Shares |
| Ategra Capital Management, LLC | $21,982,977 | 564,100 | 3.53% | Shares |
| TWO SIGMA INVESTMENTS, LP | $17,813,109 | 457,098 | 2.86% | Shares |
| JPMORGAN CHASE & CO | $15,725,374 | 404,980 | 2.52% | Shares |
| AMERICAN CENTURY COMPANIES INC | $13,624,341 | 349,611 | 2.18% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,250,396 | 263,033 | 1.64% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,800,878 | 251,498 | 1.57% | Shares |
| Hillsdale Investment Management Inc. | $9,711,324 | 249,200 | 1.56% | Shares |
| RAYMOND JAMES FINANCIAL INC | $9,675,589 | 248,283 | 1.55% | Shares |
| MORGAN STANLEY | $9,154,873 | 234,920 | 1.47% | Shares |
| GOLDMAN SACHS GROUP INC | $8,421,768 | 216,109 | 1.35% | Shares |
| ALLIANCEBERNSTEIN L.P. | $7,777,131 | 245,258 | 1.25% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,774,593 | 199,502 | 1.25% | Shares |
| Qube Research & Technologies Ltd | $7,553,594 | 193,831 | 1.21% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $6,981,631 | 179,154 | 1.12% | Shares |
| NORTHERN TRUST CORP | $6,867,098 | 176,215 | 1.10% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,321,402 | 162,212 | 1.01% | Shares |
| CANANDAIGUA NATIONAL BANK & TRUST CO | $6,005,511 | 154,106 | 0.96% | Shares |
| Palisades Investment Partners, LLC | $5,921,388 | 150,826 | 0.95% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $5,335,149 | 136,904 | 0.86% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,070,893 | 130,123 | 0.81% | Shares |
| BANK OF AMERICA CORP /DE/ | $5,014,971 | 128,688 | 0.80% | Shares |
| CANANDAIGUA NATIONAL CORP | $4,911,277 | 154,881 | 0.79% | Shares |
| COURIER CAPITAL LLC | $4,642,632 | 119,133 | 0.74% | Shares |
| Bank of New York Mellon Corp | $4,592,370 | 117,844 | 0.74% | Shares |
| Empowered Funds, LLC | $4,253,731 | 109,154 | 0.68% | Shares |
| Curi Capital, LLC | $3,897,639 | 100,017 | 0.63% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $3,897,000 | 100,000 | 0.62% | Shares |
| MENDON CAPITAL ADVISORS CORP | $3,897,000 | 100,000 | 0.62% | Shares |
| TWO SIGMA ADVISERS, LP | $3,409,593 | 109,387 | 0.55% | Shares |
| CITADEL ADVISORS LLC | $3,331,156 | 85,480 | 0.53% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,962,110 | 76,010 | 0.48% | Shares |
| Trexquant Investment LP | $2,915,385 | 74,811 | 0.47% | Shares |
| Nuveen, LLC | $2,785,109 | 71,468 | 0.45% | Shares |
| FMR LLC | $2,569,837 | 65,944 | 0.41% | Shares |
| PRUDENTIAL FINANCIAL INC | $2,561,849 | 65,739 | 0.41% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $2,454,292 | 62,979 | 0.39% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $2,416,725 | 62,015 | 0.39% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $2,249,410 | 57,721 | 0.36% | Shares |
| Russell Investments Group, Ltd. | $2,054,524 | 52,741 | 0.33% | Shares |
| BAYVIEW ASSET MANAGEMENT, LLC | $1,948,500 | 50,000 | 0.31% | Shares |
| Cutler Capital Management, LLC | $1,926,191 | 49,428 | 0.31% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $1,802,012 | 46,241 | 0.29% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| PL Capital Advisors, LLC, LASHLEY RICHARD J, PALMER JOHN W, Black Maple Capital Management LP, Black Maple Capital Holdings LLC, Barnard Robert James, Danielle Morgan Lashley 2010 Trust, Lashley Danielle Morgan, Lashley Family 2011 Trust, Lashley Beth, Lashley Family 2012 Trust, Lashley Robin, Caitlin Anne Lashley 2010 Trust, Fanelli Caitlin (nee Lashley) ×3 filings | Oct. 2, 2025 | 8.90% | Amendment | · | SEC |
| MHC Mutual Conversion Fund, L.P., Clover Partners, L.P., Clover Partners Management, L.L.C., Johnny Guerry, Terry Philen ×4 filings | Dec. 12, 2016 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 73 insiders · 42 officers · 26 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Martin Kearney Birmingham | President & CEO | March 20, 2026 M | 137,622 | 0 | 0 | $0 |
| William Jack Plants II | Chief Financial Officer | March 20, 2026 M | 8,013 | 1 | 0 | $19,879 |
| Kevin B Klotzbach | EVP & Chief Financial Officer | Feb. 26, 2019 A | 20,273 | 0 | 0 | $0 |
| Karl Francis Krebs | EVP & Chief Financial Officer | April 15, 2013 D | 4,940 | 0 | 0 | $0 |
| Ronald A Miller | EVP & Chief Financial Officer | March 12, 2009 D | 22,250 | 0 | 0 | $0 |
| Blake G Jones | Chief Marketing Officer | Sept. 25, 2026 M | 640 | 0 | 0 | $0 |
| Gary A. Pacos | Chief Risk Officer | March 20, 2026 M | 3,473 | 0 | 0 | $0 |
| Laurie R Collins | Chief Human Resources Officer | March 20, 2026 M | 7,669 | 0 | 0 | $0 |
| Kevin B Quinn | Chief Comm Banking Officer | March 20, 2026 M | 6,992 | 0 | 0 | $0 |
| Samuel J Burruano Jr | Chief Legal Officer | March 20, 2026 M | 15,238 | 0 | 0 | $0 |
| Eric W. Marks | Chief Consumer Banking Officer | March 6, 2025 A | · | 0 | 0 | $0 |
| Sonia Marie Dumbleton | Senior Vice President | March 19, 2024 M | 7,993 | 0 | 0 | $0 |
| Justin K. Bigham | Executive Vice President | May 4, 2023 I | 1,485 | 0 | 0 | $0 |
| Sean M Willett | Executive Vice President | March 21, 2023 A | 4,465 | 0 | 0 | $0 |
| Randall R. Phillips | Senior Vice President | May 22, 2022 M | 1,394 | 0 | 0 | $0 |
| Joseph L Dugan | Senior Vice President | May 6, 2020 P | 5,879 | 0 | 0 | $0 |
| William L Kreienberg | Executive Vice President | Feb. 25, 2020 A | 3,815 | 0 | 0 | $0 |
| Bethany L. Bowers | Vice President | May 22, 2019 A | · | 0 | 0 | $0 |
| David G Case | Senior Vice President | May 22, 2019 A | 3,928 | 0 | 0 | $0 |
| Michael David Grover | Senior Vice President | May 22, 2019 A | 2,444 | 0 | 0 | $0 |
| Craig J Burton | Senior Vice President | Feb. 26, 2019 A | · | 0 | 0 | $0 |
| Edward S Oexle | Senior Vice President | Feb. 26, 2019 A | · | 0 | 0 | $0 |
| Valerie C Benjamin | Senior Vice President | Feb. 26, 2019 A | · | 0 | 0 | $0 |
| Michael D Burneal | Senior Vice President | Aug. 1, 2018 P | 4,197 | 0 | 0 | $0 |
| Vito Caraccio | Senior Vice President | Feb. 27, 2018 A | · | 0 | 0 | $0 |
| Charles J Guarino | Senior Vice President | Feb. 27, 2018 A | 1,525 | 0 | 0 | $0 |
| Paula Dollinger Dolan | Senior Vice President | Feb. 27, 2018 A | 6,642 | 0 | 0 | $0 |
| Jeffrey Patrick Kenefick | Executive Vice President | Feb. 27, 2018 A | 3,459 | 0 | 0 | $0 |
| Richard J Harrison | Executive Vice President | Jan. 27, 2016 D | 27,903 | 0 | 0 | $0 |
| Kenneth Vincent Winn | EVP & Chief Risk Officer | Aug. 19, 2014 D | 780 | 0 | 0 | $0 |
| Ronald Mitchell Mclaughlin | Executive Vice President | Feb. 23, 2014 F | 12,421 | 0 | 0 | $0 |
| Rita Marie Bartol | Senior Vice President | Feb. 21, 2013 D | 827 | 0 | 0 | $0 |
| John Leonard Rizzo | SVP & Corporate Secretary | Feb. 18, 2013 F | 1,179 | 0 | 0 | $0 |
| John Joseph Witkowski | Executive Vice President | Feb. 23, 2012 F | 19,129 | 0 | 0 | $0 |
| George Daniel Hagi | Executive Vice President | Feb. 23, 2012 F | 26,272 | 0 | 0 | $0 |
| Bruce Heath Nagle | Sr VP & Dir of Human Resources | March 12, 2009 D | 5,200 | 0 | 0 | $0 |
| James Tracy Rudgers | EVP & Chief of Comm. Banking | March 12, 2009 D | 7,100 | 0 | 0 | $0 |
| Gary M Rougeau | Senior Vice President | Feb. 23, 2005 A | · | 0 | 0 | $0 |
| Douglas L Mccabe | Sr Vice President | Feb. 23, 2005 A | 2,023 | 0 | 0 | $0 |
| Thomas D Grover | Senior Vice President | Feb. 23, 2005 A | · | 0 | 0 | $0 |
| Julie D Bartoldson | Sr VP & Dir of Human Resources | April 2, 2004 A | · | 0 | 0 | $0 |
| Randolph C Brown | Senior Vice President | Feb. 4, 2004 A | 1,091 | 0 | 0 | $0 |
| Mark Zupan | Director | Sept. 2, 2026 P | 15,909 | 1 | 0 | $24,788 |
| David Bovenzi | Director | May 20, 2026 A | 1,673 | 0 | 0 | $0 |
| Bruce W Harting | Director | May 20, 2026 A | 7,421 | 0 | 0 | $0 |
| Robert L. Schrader | Director | May 20, 2026 A | 2,643 | 0 | 0 | $0 |
| Steven C. Finch | Director | May 20, 2026 A | 1,673 | 0 | 0 | $0 |
| Dawn H Burlew | Director | May 20, 2026 A | 22,252 | 0 | 0 | $0 |
| Kim E Vangelder | Director | May 20, 2026 A | 30,356 | 0 | 0 | $0 |
| Robert M Glaser | Director | May 20, 2026 A | 49,333 | 0 | 0 | $0 |
| Andrew W Dorn JR | Director | May 20, 2026 A | 39,066 | 0 | 0 | $0 |
| Susan R Holliday | Director | May 20, 2026 A | 41,678 | 0 | 0 | $0 |
| Angela J Panzarella | Director | May 20, 2026 A | 6,857 | 0 | 0 | $0 |
| Donald Boswell | Director | May 28, 2025 A | 16,656 | 0 | 0 | $0 |
| Samuel M Gullo | Director | Dec. 13, 2024 P | 40,840 | 0 | 0 | $0 |
| Mauricio F Riveros | Director | June 5, 2024 A | 6,702 | 0 | 0 | $0 |
| Karl Valentine Anderson JR | Director | June 17, 2020 A | 17,431 | 0 | 0 | $0 |
| James H Wyckoff | Director | June 20, 2018 A | 272,133 | 0 | 0 | $0 |
| Erland E Kailbourne | Director | May 3, 2018 M | 45,746 | 0 | 0 | $0 |
| John E Benjamin | Director | Jan. 30, 2017 M | 19,555 | 0 | 0 | $0 |
| James Leon Robinson | Director | May 6, 2015 A | 14,582 | 0 | 0 | $0 |
| Barton P Dambra | Director | Nov. 27, 2013 M | 15,665 | 0 | 0 | $0 |
| Peter G Humphrey | Director | May 8, 2013 A | 245,168 | 0 | 0 | $0 |
| Thomas P Connolly | Director | May 6, 2009 A | 2,730 | 0 | 0 | $0 |
| John R Tyler JR | Director | Feb. 25, 2009 P | 500 | 0 | 0 | $0 |
| Joseph F Hurley | Director | May 3, 2006 A | 1,366 | 0 | 0 | $0 |
| James E Stitt | Director | May 4, 2005 A | 931 | 0 | 0 | $0 |
| Pamela Davis Heilman | Director | May 5, 2004 A | 562 | 0 | 0 | $0 |
| Robert N Latella | · | May 20, 2026 A | 32,849 | 0 | 0 | $0 |
| Sandra L Byers | · | March 20, 2026 M | 2,150 | 0 | 0 | $0 |
| Matthew T Murtha | · | Feb. 23, 2005 A | · | 0 | 0 | $0 |
| Patrick C Burke | · | Jan. 5, 2005 I | 997 | 0 | 0 | $0 |
| Jon J Cooper | · | Nov. 30, 2004 M | 3,600 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 29 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| ESSC · Strategy Shares | 0.28% | 2,406 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.19% | 67,752 SH | Sept. 11, 2026 | Daily |
| FSMD · FIDELITY COVINGTON TRUST | 0.11% | 68,889 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.11% | 23,452 SH | Aug. 19, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.09% | 9,391 NS | July 31, 2026 | N-PORT |
| VFMF · VANGUARD WELLINGTON FUND | 0.09% | 15,416 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.05% | 17,175 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 2,234 SH | Oct. 2, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.03% | 64,113 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.03% | 100,733 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.03% | 547,822 SH | Sept. 11, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 18,633 SH | Oct. 2, 2026 | Daily |
| RSSL · Global X Funds | 0.03% | 9,402 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 113,500 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 66,059 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 226,687 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 27,487 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 42,996 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 10,663 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 338 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,200 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 39,613 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 4,600 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,238 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 6,360 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 4,751 SH | Sept. 3, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 595,014 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,506 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 191,721 SH | Sept. 11, 2026 | Daily |
FISI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$45.00
+12.6%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-02Mean target $45.00 +12.6%
Low$45.00
Mean$45.00
High$45.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FISI | $617M | 8.6 | 109.5% | 30.6% | 12.2% | · |
| IBCP | $668M | 9.9 | 0.30% | 213.7% | 14.1% | · |
| SMBC | · | 11.9 | 9.9% | 35.8% | 12.7% | · |
| PGC | $489M | 13.3 | 24.1% | 13.2% | 5.8% | · |
| HTB | $742M | 11.5 | · | 30.2% | 11.2% | · |
| SHBI | $591M | 9.9 | -0.27% | 285.4% | 10.3% | · |
| RCBC | · | · | · | · | · | · |
| TCBX | $528M | 10.0 | 21.9% | 31.7% | 12.9% | · |
| WASH | $562M | 10.9 | 127.6% | 22.8% | 9.8% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 3, 2026