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FISI DRIP Calculator & Dividend Yield 2026
3.13% YieldFinancial ServicesFinancial Institutions, Inc. · NASDAQ
Price: $40.58 · Annual div: $1.27/share · Frequency: quarterly · Payout ratio: 35% · Ex-div: 2026-09-15
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When FISI pays your bills
Year your monthly dividend income covers each expense (based on current settings)
FISI Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-09-15Latest | 2026-10-02 | $0.3200 | 3.17% | $40.04 |
| 2026-06-12 | 2026-07-02 | $0.3200 | 4.39% | $35.73 |
| 2026-03-13 | 2026-04-02 | $0.3200 | 4.89% | $31.89 |
| 2025-12-15 | 2026-01-02 | $0.3100 | 4.05% | $30.64 |
| 2025-09-15 | 2025-10-02 | $0.3100 | 4.49% | $27.38 |
| 2025-06-13 | 2025-07-02 | $0.3100 | 5.96% | $25.52 |
| 2025-03-14 | 2025-04-02 | $0.3100 | 4.36% | $27.76 |
| 2024-12-13 | 2025-01-02 | $0.3000 | 4.43% | $27.06 |
| 2024-09-13 | 2024-10-02 | $0.3000 | 4.69% | $25.59 |
| 2024-06-14 | 2024-07-02 | $0.3000 | 6.84% | $17.55 |
| 2024-03-14 | 2024-04-02 | $0.3000 | 6.58% | $18.25 |
| 2023-12-13 | 2024-01-02 | $0.3000 | 8.06% | $18.49 |
| 2023-09-13 | 2023-10-02 | $0.3000 | 8.35% | $17.73 |
| 2023-06-14 | 2023-07-03 | $0.3000 | 9.30% | $15.80 |
| 2023-03-15 | 2023-04-03 | $0.3000 | 5.84% | $25.00 |
| 2022-12-15 | 2023-01-03 | $0.2900 | 5.71% | $25.06 |
| 2022-09-15 | 2022-10-03 | $0.2900 | 5.41% | $26.06 |
| 2022-06-16 | 2022-07-05 | $0.2900 | 5.01% | $27.75 |
| 2022-03-17 | 2022-04-04 | $0.2900 | 4.43% | $30.94 |
| 2021-12-16 | 2022-01-03 | $0.2700 | 4.28% | $31.29 |
| 2021-09-16 | 2021-10-04 | $0.2700 | 3.40% | $31.44 |
| 2021-06-17 | 2021-07-02 | $0.2700 | 3.25% | $32.59 |
| 2021-03-18 | 2021-04-02 | $0.2700 | 3.72% | $28.24 |
| 2020-12-18 | 2021-01-04 | $0.2600 | — | — |
| 2020-09-10 | 2020-10-02 | $0.2600 | — | — |
| 2020-06-11 | 2020-07-02 | $0.2600 | — | — |
| 2020-03-18 | 2020-04-02 | $0.2600 | — | — |
| 2019-12-12 | 2020-01-02 | $0.2500 | — | — |
| 2019-09-12 | 2019-10-02 | $0.2500 | — | — |
| 2019-06-13 | 2019-07-02 | $0.2500 | — | — |
| 2019-03-14 | 2019-04-02 | $0.2500 | — | — |
| 2018-12-12 | 2019-01-02 | $0.2400 | — | — |
| 2018-09-12 | 2018-10-02 | $0.2400 | — | — |
| 2018-06-13 | 2018-07-02 | $0.2400 | — | — |
| 2018-03-14 | 2018-04-02 | $0.2400 | — | — |
| 2017-12-13 | 2018-01-02 | $0.2200 | — | — |
| 2017-09-13 | 2017-10-02 | $0.2100 | — | — |
| 2017-06-12 | 2017-07-03 | $0.2100 | — | — |
| 2017-03-10 | 2017-04-03 | $0.2100 | — | — |
| 2016-12-08 | 2017-01-03 | $0.2100 | — | — |
| 2016-09-08 | 2016-10-03 | $0.2000 | — | — |
| 2016-06-09 | 2016-07-05 | $0.2000 | — | — |
| 2016-03-11 | 2016-04-04 | $0.2000 | — | — |
| 2015-12-08 | 2016-01-04 | $0.2000 | — | — |
| 2015-09-08 | 2015-10-02 | $0.2000 | — | — |
| 2015-06-09 | 2015-07-02 | $0.2000 | — | — |
| 2015-03-10 | 2015-04-02 | $0.2000 | — | — |
| 2014-12-10 | 2015-01-02 | $0.2000 | — | — |
| 2014-09-10 | 2014-10-02 | $0.1900 | — | — |
| 2014-06-11 | 2014-07-02 | $0.1900 | — | — |
| 2014-03-11 | 2014-04-02 | $0.1900 | — | — |
| 2013-12-10 | 2014-01-02 | $0.1900 | — | — |
| 2013-09-10 | 2013-10-02 | $0.1900 | — | — |
| 2013-06-11 | 2013-07-02 | $0.1800 | — | — |
| 2013-03-12 | 2013-04-02 | $0.1800 | — | — |
| 2012-12-13 | 2013-01-02 | $0.1600 | — | — |
| 2012-09-10 | 2012-10-02 | $0.1400 | — | — |
| 2012-06-11 | 2012-07-02 | $0.1400 | — | — |
| 2012-03-12 | 2012-04-02 | $0.1300 | — | — |
| 2011-12-12 | 2012-01-03 | $0.1300 | — | — |
| 2011-09-14 | 2011-10-03 | $0.1200 | — | — |
| 2011-06-15 | 2011-07-05 | $0.1200 | — | — |
| 2011-03-03 | 2011-04-02 | $0.1000 | — | — |
| 2010-12-09 | 2011-01-03 | $0.1000 | — | — |
| 2010-09-09 | 2010-10-04 | $0.1000 | — | — |
| 2010-06-10 | 2010-07-02 | $0.1000 | — | — |
| 2010-03-11 | 2010-04-02 | $0.1000 | — | — |
| 2009-12-11 | 2010-01-04 | $0.1000 | — | — |
| 2009-09-14 | 2009-10-02 | $0.1000 | — | — |
| 2009-06-11 | 2009-07-02 | $0.1000 | — | — |
| 2009-03-12 | 2009-04-01 | $0.1000 | — | — |
| 2008-12-11 | 2009-01-02 | $0.1000 | — | — |
| 2008-09-11 | 2008-10-01 | $0.1500 | — | — |
| 2008-06-12 | 2008-07-01 | $0.1500 | — | — |
| 2008-03-13 | 2008-04-01 | $0.1400 | — | — |
| 2007-12-13 | 2008-01-02 | $0.1300 | — | — |
| 2007-09-12 | 2007-10-01 | $0.1200 | — | — |
| 2007-06-13 | 2007-07-02 | $0.1100 | — | — |
| 2007-03-14 | 2007-04-02 | $0.1000 | — | — |
| 2006-12-13 | 2007-01-02 | $0.0900 | — | — |
About Financial Institutions, Inc. (FISI) — Dividend Analysis 2026
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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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 FISI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FISI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.13% | 0.33% | $313 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.66% | -0.14% | $266 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.50% | -0.30% | $250 / yr |
| 🇬🇧 UK ISA | 0% | 3.13% | 0.33% | $313 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.86% | 0.06% | $286 / yr |
| 🇨🇦 TFSA | 0% | 3.13% | 0.33% | $313 / yr |
| 🇨🇦 CA Taxable | 25% | 2.35% | -0.45% | $235 / yr |
| 🇦🇺 Super (pension) | 15% | 2.66% | -0.14% | $266 / yr |
| 🇦🇺 AU Taxable | 30% | 2.19% | -0.61% | $219 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.30% | -0.50% | $230 / yr |
| 🇫🇷 FR Taxable | 30% | 2.19% | -0.61% | $219 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FISI Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.27/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FISI Dividend Payment Schedule
FISI pays quarterly — 4 times per year. Ex-div: 2026-09-15.
📊 FISI vs Financial Services Benchmarks
How FISI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FISI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FISI Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-09-25 | 1,000 | — | — | ||
| M-Exempt | 2026-09-25 | 1,000 | — | — | ||
| F-InKind | 2026-09-25 | 360 | $40.23 | $14.5K | ||
| Buy | 2026-09-02 | 608 | $40.77 | $24.8K | ||
| A-Award | 2026-05-20 | 1,282 | — | — | ||
| A-Award | 2026-05-20 | 1,282 | — | — | ||
| A-Award | 2026-05-20 | 1,282 | — | — | ||
| A-Award | 2026-05-20 | 1,282 | — | — | ||
| A-Award | 2026-05-20 | 1,282 | — | — | ||
| A-Award | 2026-05-20 | 313 | $35.10 | $11.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare FISI with peers: FISI vs ALRS · FISI vs BCAL · FISI vs FFIC
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FISI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Financial Institutions, Inc. (FISI) is currently trading at $40.58, 6% below its 52-week high. The current dividend yield is 3.13% based on an annual payout of $1.27 per share.
FISI (Financial Institutions, Inc.) — 3.13% Dividend Yield Analysis
Financial Institutions, Inc. (FISI) is a financial services stock currently trading at $40.58 with a dividend yield of 3.13%. It pays an annual dividend of $1.27 per share. The payout ratio of 35% suggests the dividend is well-covered by earnings. Over the past 5 years, FISI has grown its dividend at a compound annual rate of 3.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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