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Financial Institutions, Inc. is projected to rise to $53.69 by 2027, a +29% move from its current price of $41.46. FISI is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean strong buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 8/1/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Aug 2 | $40.93 | $41.51 | $42.10 | +0.11% |
| Aug 3 | $40.73 | $41.55 | $42.39 | +0.23% |
| Aug 4 | $40.60 | $41.60 | $42.63 | +0.34% |
| Aug 5 | $40.49 | $41.65 | $42.84 | +0.45% |
| Aug 6 | $40.40 | $41.69 | $43.03 | +0.57% |
| Aug 7 | $40.32 | $41.74 | $43.21 | +0.68% |
| Aug 8 | $40.26 | $41.79 | $43.38 | +0.79% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $40.26 | $41.79 | $43.38 | +0.79% |
| Week 2 | $39.95 | $42.12 | $44.40 | +1.59% |
| Week 3 | $39.79 | $42.45 | $45.29 | +2.40% |
| Week 4 | $39.71 | $42.79 | $46.11 | +3.21% |
| Week 5 | $39.67 | $43.13 | $46.88 | +4.03% |
| Week 6 | $39.67 | $43.47 | $47.63 | +4.85% |
| Week 7 | $39.69 | $43.82 | $48.37 | +5.68% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
Financial Institutions, Inc. is a financial services company that provides banking and financial services to consumer, commercial, and municipal customers in New York. It offers 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.
The company also provides commercial loan products including term loans and lines of credit, as well as short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; 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. It also offers investment advisory, wealth management, investment consulting, and retirement plan services, and 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.
Financial Institutions, Inc. is listed with a current price of $42.16 per share and a market capitalization of $829.98M. It ranks 2561 by market cap among listed assets. The stock’s price outlook shows the 2026 average at $42.16, with a min of $30.25 and a max of $58.29 and a neutral sentiment for that year.
Looking beyond 2026, the forecast envisions a bullish path, with 2027 at an average of $55.37, 2028 at $65.05, 2029 at $75.60, and 2030 at $87.49. The longer-horizon figures rise to a 2031 average of $110.02, 2032 $131.82, 2033 $153.71, 2034 $167.12, and 2035 $170.77. In the far horizon, 2040 shows an average of $311.88 and 2050 an average of $744.77, with corresponding ROIs of 31.3, 54.3, 79.3, 107.5, 161, 212.7, 264.6, 296.4, 305, 639.8, and 1666.5 respectively, and all years labeled as BULLISH except 2026 which is NEUTRAL.
A major floor 25.5% below — a decisive break under it would weaken the trend.
The nearest floor, 9.9% below — buyers have tended to step in here.
Price is pressing into resistance (1.7% away) — a breakout level to watch.
A major ceiling 8.8% above — clearing it would confirm fresh momentum.
Key FISI support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of FISI market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $41.48 | Sell | $41.19 | Buy |
| MA 10 | $40.44 | Buy | $40.68 | Buy |
| MA 20 | $39.65 | Buy | $39.94 | Buy |
| MA 50 | $38.22 | Buy | $38.36 | Buy |
| MA 100 | $35.68 | Buy | $36.47 | Buy |
| MA 200 | $33.40 | Buy | $33.95 | Buy |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 64.69 | Neutral |
| Stoch RSI (14) | 63.92 | Neutral |
| CCI (20) | 115.21 | Buy |
| Williams %R (14) | -20.35 | Info |
| MACD (12,26,9) | 0.15 | Buy |
| ROC (12) | 5.85 | Buy |
| Bollinger %B (20,2) | 0.87 | Neutral |
| Stochastic %K (14) | 79.65 | Neutral |
| TRIX (15) | 0.28 | Buy |
| Awesome (5,34) | 2.38 | Buy |
| Ultimate (7,14,28) | 72.55 | Sell |
| Momentum (10) | 2.14 | Buy |
| Aroon Osc (25) | 56.00 | Buy |
| Hull MA (9) | 41.98 | Sell |
| ADX (14) | 24.75 | Buy |
| ATR (14) | 0.51 | Info |
30-day technical picture: sentiment is BULLISH. The RSI(14) is 70. The 50-day simple moving average is $37.51 and the 200-day simple moving average is $33.04. Near-term support stands at $37.02 and resistance at $41.25.
The 30-day trading range spans from $37.77 to $47.06, illustrating a window for near-term movement. Annualized volatility is measured at 30%, indicating a relatively elevated pace of price change over time.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $30.25 | $41.46 | $56.93 | 0% | Neutral | |
| $44.02 | $53.69 | $68.42 | +29% | Bullish | |
| $50.44 | $62.69 | $82.08 | +51% | Bullish | |
| $56.94 | $71.87 | $96.13 | +73% | Bullish | |
| $64.62 | $82.67 | $112.59 | +99% | Bullish | |
| $79.73 | $103.26 | $142.86 | +149% | Bullish | |
| $93.63 | $122.62 | $172.08 | +196% | Bullish | |
| $107.98 | $142.91 | $203.16 | +245% | Bullish | |
| $116.04 | $155.11 | $223.14 | +274% | Bullish | |
| $116.35 | $157.00 | $228.39 | +279% | Bullish | |
| $201.05 | $282.98 | $431.45 | +583% | Bullish | |
| $438.02 | $661.28 | $1,080.89 | +14.9x | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| August 2026 | $30.25 | $41.46 | $50.10 | +0.00% |
| September 2026 | $37.72 | $44.22 | $53.03 | +6.67% |
| October 2026 | $39.01 | $45.95 | $55.51 | +3.90% |
| November 2026 | $38.94 | $46.04 | $55.96 | +0.20% |
| December 2026 | $39.26 | $46.58 | $56.93 | +1.17% |
Click any year to see its month-by-month FISI forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
Financial Institutions, Inc.'s 2026 outlook centres on $41.46, within a $30.25 to $56.93 range. That marks a 0% change versus current levels. Price action looks broadly range-bound.
By 2027, FISI could reach as high as $68.42, with a base case around $53.69 and support toward $44.02 — roughly +29% from $41.46. Buyers look set to stay in control over this stretch.
Expect FISI to range from $50.44 to $82.08 through 2028. The $62.69 average target implies a +51% move from current prices. That is up +17% on the projected 2027 average. Momentum favours further upside here.
The FISI price prediction for 2029 points to an average of $71.87 (low $56.94, high $96.13) — a potential gain of +73% on today's $41.46. Buyers look set to stay in control over this stretch.
In 2030, FISI is projected to trade between $64.62 and $112.59, averaging $82.67 — a potential gain of +99% from today's $41.46. That is up +15% on the projected 2029 average. Momentum favours further upside here.
Financial Institutions, Inc.'s 2031 outlook centres on $103.26, within a $79.73 to $142.86 range. That is up +25% on the projected 2030 average. That marks a +149% change versus current levels. Buyers look set to stay in control over this stretch.
By 2032, FISI could reach as high as $172.08, with a base case around $122.62 and support toward $93.63 — roughly +196% from $41.46. Momentum favours further upside here.
Expect FISI to range from $107.98 to $203.16 through 2033. The $142.91 average target implies a +245% move from current prices. That is up +17% on the projected 2032 average. Buyers look set to stay in control over this stretch.
The FISI price prediction for 2034 points to an average of $155.11 (low $116.04, high $223.14) — a potential gain of +274% on today's $41.46. Momentum favours further upside here.
In 2035, FISI is projected to trade between $116.35 and $228.39, averaging $157.00 — a potential gain of +279% from today's $41.46. That is up +1% on the projected 2034 average. Buyers look set to stay in control over this stretch.
Financial Institutions, Inc.'s 2040 outlook centres on $282.98, within a $201.05 to $431.45 range. That is up +80% on the projected 2035 average. That marks a +583% change versus current levels. Momentum favours further upside here.
By 2050, FISI could reach as high as $1,080.89, with a base case around $661.28 and support toward $438.02 — roughly +14.9x from $41.46. Buyers look set to stay in control over this stretch.
Investing $1,000 in FISI today (≈ 24.119633 FISI) could be worth
$15,949.85
+$14,949.85 (+1495%) by 2050 · US Dollar
Based on the average projected FISI price of $661.28 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in FISIwould be worth at today's price.
$1,000 invested in FISI on Jul 31, 2025 (≈ 39.231071 FISI) would be worth
$1,626.52
+$626.52 (+62.7%) today · 1.63× · US Dollar
Based on a FISI entry price of $25.49 vs. today's $41.46.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $40.62 | $1,020.68 | +2.1% |
| 1 month ago | $40.07 | $1,034.69 | +3.5% |
| 3 months ago | $34.49 | $1,202.09 | +20.2% |
| 6 months ago | $33.95 | $1,221.21 | +22.1% |
| 1 year ago | $25.49 | $1,626.52 | +62.7% |
| All time (5.0y) ago | $29.66 | $1,397.84 | +39.8% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our FISI forecast.
Our base-case forecast reaches $83.00 around 2031.
Implied market cap at $83.00: $1.63B
Multi-year forecast highlights include a bullish trajectory with steadily rising averages and substantial upside. The 2027 avg is $55.37 with a ROI of 31.3 and a bullish sentiment, followed by 2028 avg $65.05 (ROI 54.3) and 2029 avg $75.60 (ROI 79.3). The 2030 avg reaches $87.49 with ROI 107.5, and the 2031–2035 figures continue higher (2031 avg $110.02, 2032 $131.82, 2033 $153.71, 2034 $167.12, 2035 $170.77) under bullish sentiment.
The long-range view shows a max by 2030 of $119.16 and a min of $68.38 for that year.
In the 2040 horizon, the avg jumps to $311.88 with a max of $475.55, yielding a ROI of 639.8 and continuing bullish sentiment. By 2050, the avg is $744.77, with a max of $1,217.42 and a ROI of 1666.5, still labeled BULLISH.
These are estimates for planning purposes and are not guarantees. The forecast spans a broad price path with substantial upside potential, but actual results depend on market conditions and other factors over time.
Tap a question to reveal the answer.
The 2030 forecast shows an average price of $87.49, a min of $68.38, and a max of $119.16, with an ROI of 107.5 and a bullish sentiment.
From 2027 onward the forecast is bullish, with 2027 avg $55.37 (ROI 31.3), 2028 avg $65.05 (ROI 54.3), 2029 avg $75.60 (ROI 79.3), 2030 avg $87.49 (ROI 107.5), 2040 avg $311.88 (ROI 639.8), and 2050 avg $744.77 (ROI 1666.5).
yes. The forecast for 2029 shows a max of $101.13, and the 2031 max rises to $152.24 with 2032 max $185.01, indicating the price path crosses $100 in the forecast horizon.
The 2040 forecast shows an average price of $311.88, a min of $221.56, a max of $475.55, with a ROI of 639.8 and bullish sentiment.
Current price is $42.16 and market capitalization is $829.98M.
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