Trailing Dividend / Share
$1.22
Financial Institutions, Inc. (FISI) Dividend History
Income profile from 1999 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
3.4%
Payout Ratio
33.0%
Sustainable
Dividend Streak
1 years
FISI Dividend Income Check
Safety
33.0% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 5.5% and trend is rising.
FISI Dividend Scorecard
Yield & Income
Dividend Yield3.4%
Trailing DPS$1.22
FrequencyAnnual
Payments / 12M4
Payout Safety
Earnings Payout33.0%
Earnings SafetySustainable
FCF Payout153.8%
FCF SafetyStretched
Piotroski F-Score6/9
Growth
Growth Streak1 years
3Y CAGR2.2%
5Y CAGR3.6%
Yield on Cost (5Y)5.5%
YOC Trendrising
Total Returns
Buyback Yield1.6%
Total Shareholder Yield5.1%
1Y Total Return40.9%
5Y Total Return26.2%
Div Contribution (5Y)18.1%
Estimated $10K growth (return + dividends):
5Y ago$12,62410Y ago$16,89720Y ago$26,649
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
FISI Income Growth Story
Dividend per share and yield on cost over time (28 years of payments)
FISI Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Financial Institutions, Inc. distributes 33.0% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 153.8%, rated "Stretched".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
FISI has raised its dividend for 1 consecutive year, with a 3-year CAGR of 2.2% and 5-year CAGR of 3.6%.
Total Shareholder Returns
Beyond cash dividends, FISI returns capital through share repurchases. The combined picture: 3.4% dividend yield, 1.6% buyback yield, 5.1% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 5.5% and is currently rising. The 5-year total return is 26.2%, with dividends contributing 18.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $16,897 today.
FCF payout is stretched — the dividend consumes a large share of free cash flow.
FISI Recent Dividend Payments
Last 20 payments · Annual
TTM Total$5.93
Avg/Payment$0.2965
Latest Change+3.2%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Mar 13, 2026Latest | $0.3200 | ↑ +3.2% | 4.13% | Apr 2, 2026 |
| Dec 15, 2025 | $0.3100 | — | 3.83% | Jan 2, 2026 |
| Sep 15, 2025 | $0.3100 | — | 4.63% | Oct 2, 2025 |
| Jun 13, 2025 | $0.3100 | — | 4.89% | Jul 2, 2025 |
| Mar 14, 2025 | $0.3100 | ↑ +3.3% | 4.64% | Apr 2, 2025 |
| Dec 13, 2024 | $0.3000 | — | 4.16% | Jan 2, 2025 |
| Sep 13, 2024 | $0.3000 | — | 4.69% | Oct 2, 2024 |
| Jun 14, 2024 | $0.3000 | — | 7.02% | Jul 2, 2024 |
FISI Dividend vs Peers
Comparable companies in the same industry
#2 yield in peer group
Div Yield
3.4%
#2 of 9
Safety
Sustainable
33.0% payout
Streak
1Y
3.6% 5Y CAGR
Total Shareholder
5.1%
#5 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
2nd FISIFinancial Institutio… | $696M | 3.4% | 33.0% | 1 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.4B | 3.2% | 42.9% | 12 | Sustainable |
 TRMKTrustmark Corporatio… | $2.6B | 2.1% | 26.1% | 1 | Sustainable |
 CNOBConnectOne Bancorp, … | $1.5B | 2.1% | 39.7% | 0 | Sustainable |
 EGBNEagle Bancorp, Inc. | $808M | 1.9% | — | 0 | Unknown |
 TRSTTrustCo Bank Corp NY | $861M | 3.1% | 45.2% | 8 | Sustainable |
1st  NFBKNorthfield Bancorp, … | $587M | 3.7% | 72.9% | 10 | Watch |
 CBSHCommerce Bancshares,… | $7.7B | 2.1% | 26.5% | 12 | Sustainable |
 WSFSWSFS Financial Corpo… | $3.8B | 0.9% | 12.9% | 1 | Sustainable |
FISI Annual Dividend History (1998–2026)
29 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.32 | — | 1 | — | — | — | 1.4% |
| 2025 | $1.24 | 3.3% | 4 | $3.61 | 34.3% | 2.91x | 5.5% |
| 2024 | $1.20 | 0.0% | 4 | $-2.75 | — | — | 5.4% |
| 2023 | $1.20 | 3.4% | 4 | $3.15 | 38.1% | 2.63x | 5.4% |
| 2022 | $1.16 | 7.4% | 4 | $3.56 | 32.6% | 3.07x | 5.2% |
| 2021 | $1.08 | 3.8% | 4 | $4.78 | 22.6% | 4.43x | 4.8% |
| 2020 | $1.04 | 4.0% | 4 | $2.30 | 45.2% | 2.21x | 4.6% |
| 2019 | $1.00 | 4.2% | 4 | $2.96 | 33.8% | 2.96x | 4.5% |
| 2018 | $0.96 | 12.9% | 4 | $2.39 | 40.2% | 2.49x | 4.3% |
| 2017 | $0.85 | 4.9% | 4 | $2.13 | 39.9% | 2.51x | 3.8% |
See FISI's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonFISI — Frequently Asked Questions
Quick answers to the most common questions about buying FISI stock.
How much dividend does FISI pay per share?
Financial Institutions, Inc. (FISI) pays a trailing 12-month dividend of $1.22 per share, with a current dividend yield of +3.4%. Payments are made Annual.
When is FISI's next ex-dividend date?
FISI's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. FISI typically pays dividends Annual.
Is FISI's dividend safe?
FISI's dividend safety is rated "Sustainable" based on an earnings payout ratio of +33.0% and FCF payout ratio of +153.8%. The 1-year growth streak provides moderate confidence.
How many years has FISI increased its dividend?
FISI has 1 consecutive years of dividend growth. The 5-year dividend CAGR is +3.6%.
How often does FISI pay dividends?
Financial Institutions, Inc. pays dividends Annual. The trailing 12-month total is $1.22 per share. Dividend data on this page covers 27+ years from 1999 to 2026.
How much would $10,000 invested in FISI grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in FISI five years ago would be worth approximately $12,624 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is FISI's yield on cost for long-term holders?
FISI's yield on cost — the current dividend divided by the original purchase price — is +5.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +3.4% market yield, thanks to consistent dividend growth.