FISI (Financial Institutions) Institutional Ownership: 81.54% (As of Aug. 02, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FISI Financial Institutions Inc FISI
47 GF Score
Price $41.46
GF Value $22.93
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Financial Institutions Institutional Ownership?

Financial Institutions FISI +0.48% 47 Institutional Ownership is 81.54% as of Aug. 02, 2026. GuruFocus rates FISI with a GF Score™ of 47/100 and a GF Value™ of $22.93 (Significantly Overvalued). The stock has 6 warning signs investors should review.

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 81.54%.

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%.

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 Institutional Ownership Historical Data

* Premium members only.

The historical data trend for Financial Institutions's Institutional 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 Institutional Ownership Chart

Financial Institutions Historical Data

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

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 36.38 36.00 36.39 35.31 34.86 35.72 36.50 37.25 37.89 38.88
FISI
47GF Score
Financial Institutions Inc FISI
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Financial Institutions Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 81.54% mean?
Financial Institutions (FISI) has a Institutional Ownership of 81.54% as of Aug. 02, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Financial Institutions and its competitors.
Is Financial Institutions' Institutional Ownership too high?
Financial Institutions' current Institutional Ownership is 81.54%. Overall, Financial Institutions has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' Institutional Ownership compare to SHBI and HBIA?
Financial Institutions' Institutional Ownership of 81.54% 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 Institutional Ownership for a Banks company?
A good Institutional Ownership depends on the Banks industry context. However, Institutional 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 Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Financial Institutions and its competitors. Financial Institutions's current Institutional Ownership is 81.54%. 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 $22.93, compared to a current price of $41.46 — trading 80.8% above its estimated fair value. The current Institutional Ownership is 81.54%. Financial Institutions' overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For Financial Institutions (FISI), the current Institutional Ownership is 81.54% as of Aug. 02, 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 $41.46 is trading 80.8% above its estimated GF Value™ of $22.93. GuruFocus considers Financial Institutions to be Significantly Overvalued.

Key valuation signals for FISI:

  • Institutional Ownership: 81.54%
  • GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
  • GF Score™: 47/100 with 6 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.
47GF Score

Get the complete analysis for FISI

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

$41.46
Price
$22.93
GF Value