Financial Institutions, Inc.

Stage 3 · Topping · week 2

As of Oct 22, 2026, Financial Institutions is in Stage 3, the topping phase, now in week 2 (since Oct 15, 2026). It closed at $40.69, 4.0% below its 52-week high and above its 200-day average, which is rising.

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. More about the company

$40.69

+2.11% today

$802M · Small cap

Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 36w

S2 37w

S2 26w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 8w → S4 7w → S1 2w → S2 12w → S3 8w → S4 9w → S1 1w → S2 36w → S3 6w → S4 7w → S1 2w → S2 37w → S3 4w → S2 26w → S3 1w current

Total tracked: 166 weeks across 15 stage runs.

FISI among Banks - Regional26th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…26	FISIFinancial Institutions, Inc.	Stage 3 · wk 2	89	+2.6%

vs 52W High

-4.0%

$25.53 lo$42.37 hi

Near 52W high, distribution zone

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 2

1w13w26w

Week 2, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

13.1%

200 DMA: $35.99 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

0.97x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

+2.6%

+1.0%

+21.1%

YTD

+35.5%

+58.6%

Scan Membership

Breakout Watch

Latest: 2024-07-11

5 appearances in last 60 days. First seen: 2019-07-12.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 2 · Vol 0.97x

2026-10-21S3

Wk 1 · Vol 0.44x

2026-10-20S3

Wk 1 · Vol 0.70x

2026-10-19S3

Wk 1 · Vol 0.54x

2026-10-16S3

Wk 1 · Vol 0.72x

2026-10-15S32→3

Wk 1 · Vol 0.65x

2026-10-14S2

Wk 26 · Vol 0.87x

2026-10-13S2

Wk 26 · Vol 0.77x

2026-10-12S2

Wk 26 · Vol 0.47x

2026-10-09S2

Wk 25 · Vol 0.44x

2026-10-08S2

Wk 25 · Vol 0.80x

2026-10-07S2

Wk 25 · Vol 0.82x

Moving averages & range

50 DMA

$40.12

200 DMA

$35.99

52W High

$42.37

52W Low

$25.53

5D Low

$39.19

Resistance levels (recent highs)

20d High

$40.69

60d High

$42.37

120d High

$42.37

250d High

$42.37

Next resistance

+4.1%

to 60d High

P/E (TTM)

10.1

Forward 9.5

Earnings Growth (YoY)

+22.4%

Revenue +7.0%

ROE

+13.3%

Profit margin +33.9%

Dividend Yield

3.21%

P/B 1.3

Financial Institutions: quick answers

What stage is Financial Institutions in?

As of Oct 22, 2026, Financial Institutions (FISI) is in Stage 3, the topping phase. It entered Stage 3 on Oct 15, 2026 and is in week 2. What the four stages mean

Is Financial Institutions in an uptrend?

Its uptrend has stalled. Financial Institutions is in Stage 3, the topping phase that follows an advance. It trades 13.1% above its 200-day average, which is rising.

How far is Financial Institutions from its 52-week high?

Financial Institutions closed at $40.69 on Oct 22, 2026, 4.0% below its 52-week high of $42.37. Its 52-week low is $25.53.

How has Financial Institutions performed over the past year?

As of Oct 22, 2026, Financial Institutions is up 58.6% over the past year and up 35.5% so far in 2026.

Which sector and industry is Financial Institutions in?

Financial Institutions is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

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.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.