Financial Institutions, Inc.
FISI
Rank in Stocks
#9812
Financial Institutions, Inc., through its subsidiaries, provides banking and... 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. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Share Price
$40.22
Last synced: 2026-11-09
Market Cap
$785.13M
Change (1 day)
1.23%
Change (1 year)
35.42%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Financial Institutions, Inc. (FISI)
Category
Financial Services
Operating Margin for Financial Institutions, Inc. (FISI)
Operating Margin as of November 2026 TTM: 15.26%
According to Financial Institutions, Inc.'s latest financial reports, its current operating margin (TTM) is 15.26%. At the end of 2025 the company had an operating margin of 24.17%.
Operating Margin history for Financial Institutions, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 15.26% | -36.86% |
| 2025 | 24.17% | -193.68% |
| 2024 | -25.80% | -236.08% |
| 2023 | 18.96% | -35.60% |
| 2022 | 29.44% | -35.79% |
| 2021 | 45.85% | 104.96% |
| 2020 | 22.37% | -21.37% |
| 2019 | 28.45% | 7.97% |
| 2018 | 26.35% | -0.15% |
| 2017 | 26.39% | -9.90% |
| 2016 | 29.29% | 1.91% |
| 2015 | 28.74% | -5.89% |
| 2014 | 30.54% | -0.97% |
| 2013 | 30.84% | 7.83% |
| 2012 | 28.60% | -0.49% |
| 2011 | 28.74% | 8.78% |
| 2010 | 26.42% | 51.40% |
| 2009 | 17.45% | -143.53% |
| 2008 | -40.09% | -337.92% |
| 2007 | 16.85% | -10.80% |
| 2006 | 18.89% | 782.71% |
| 2005 | 2.14% | -82.96% |
| 2004 | 12.56% | -7.85% |
| 2003 | 13.63% | -50.69% |
| 2002 | 27.64% | 11.63% |
| 2001 | 24.76% | -6.07% |
| 2000 | 26.36% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -96.44% |
CN
|
|
| 57.52% | -96.23% |
IT
|
|
| 21.82% | -98.57% |
IN
|
|
| 26.74% | -98.25% |
IN
|
|
| 20.55% | -98.65% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Financial Institutions, Inc.'s operating margin
What is Financial Institutions, Inc.'s operating margin?
Financial Institutions, Inc.'s operating margin is 15.26%, as of Nov 2026.
What was Financial Institutions, Inc.'s operating margin in 2025?
In 2025, Financial Institutions, Inc.'s operating margin was 24.17%, compared with -25.80% in 2024.
How has Financial Institutions, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Financial Institutions, Inc.'s operating margin was highest in 2021 (45.85%) and lowest in 2024 (-25.80%).
How does Financial Institutions, Inc.'s operating margin compare with similar companies?
Financial Institutions, Inc.'s operating margin (15.26%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.