FISI (Financial Institutions) Insider Ownership: 7.27 % (As of Sep. 09, 2026)

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FISI Financial Institutions Inc FISI
55 GF Score
Price $40.79
GF Value $30.21
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Financial Institutions Insider Ownership?

Financial Institutions FISI -0.90% 55 Insider Ownership is 7.27 % as of Sep. 09, 2026. GuruFocus rates FISI with a GF Score™ of 55/100 and a GF Value™ of $30.21 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Insider ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Financial Institutions's insider ownership is 7.27%.

Institutional Ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Financial Institutions's Institutional Ownership is 80.68%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Financial Institutions's Float Percentage Of Total Shares Outstanding is 97.54%.

Financial Institutions Insider Ownership Historical Data

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The historical data trend for Financial Institutions's Insider Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Financial Institutions Insider Ownership Chart

Financial Institutions Historical Data

The historical data trend for Financial Institutions can be seen below:

2025-08-31 2025-09-30 2025-10-31 2025-11-30 2026-01-31 2026-02-28 2026-05-31 2026-06-30 2026-07-31 2026-08-31
Insider Ownership 6.94 6.94 6.94 6.95 7.06 7.06 7.27 7.27 7.27 7.27
FISI
55GF Score
Financial Institutions Inc FISI
Insider Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Financial Institutions Insider Ownership Calculation

The percentage of shares that are owned by company insiders relative to the total shares outstanding.

Frequently Asked Questions Learn more about Insider Ownership →
What does a Insider Ownership of 7.27 % mean?
Financial Institutions (FISI) has a Insider Ownership of 7.27 % as of Sep. 09, 2026. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Financial Institutions and its competitors.
Is Financial Institutions' Insider Ownership too high?
Financial Institutions' current Insider Ownership is 7.27 %. Overall, Financial Institutions has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' Insider Ownership compare to HBIA and SMBC?
Financial Institutions' Insider Ownership of 7.27 % can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Insider Ownership for a Banks company?
A good Insider Ownership depends on the Banks industry context. However, Insider Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Insider Ownership mean?
A high Insider Ownership can signal that a stock is expensive relative to its fundamentals. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Financial Institutions and its competitors. Financial Institutions's current Insider Ownership is 7.27 %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financial Institutions stock overvalued right now?
Based on GuruFocus' analysis, Financial Institutions (FISI) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.21, compared to a current price of $40.79 — trading 35% above its estimated fair value. The current Insider Ownership is 7.27 %. Financial Institutions' overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Insider Ownership calculated?
Insider Ownership is calculated from a company's financial statements. For Financial Institutions (FISI), the current Insider Ownership is 7.27 % as of Sep. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Financial Institutions (FISI) Overvalued in 2026?

Based on GuruFocus' analysis, Financial Institutions stock appears to be overvalued. The current stock price of $40.79 is trading 35% above its estimated GF Value™ of $30.21. GuruFocus considers Financial Institutions to be Significantly Overvalued.

Key valuation signals for FISI:

  • Insider Ownership: 7.27 %
  • GF Value™: $30.21 vs. price of $40.79 (35% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the FISI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Financial Institutions Business Description

Other Exchanges FIISO.PFD:USA
Address 220 Liberty Street, Warsaw, NY, USA, 14569
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
55GF Score

Get the complete analysis for FISI

Insider Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.79
Price
$30.21
GF Value