Financial Institutions (FISI)
Provides community banking and wealth-management services through Five Star Bank and Courier Capital.
Something off on this page? Send us feedback.
Provides consumer, commercial and municipal banking in Western and Central New York through Five Star Bank. Courier Capital adds investment advice, wealth management, financial planning and consulting to the holding company’s service mix.
Five Star Bank provides consumer, commercial and municipal banking across Western and Central New York, supplemented by commercial lending through loan-production offices. Courier Capital supplies investment advice, wealth management, financial planning and consulting.
Five Star Bank is the group’s banking subsidiary, while Courier Capital is its investment-advisory and wealth-management subsidiary. The operating structure combines a community-bank franchise with advisory services, following the 2005 consolidation of legacy subsidiary banks under the Five Star name.
Operations remain focused on Western and Central New York, while Courier Capital also has offices in Pittsburgh and Sarasota. Banking and advisory activities operate within the holding-company structure, and the company traces its banking continuity to the National Bank of Geneva, organized in 1817.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Rating: —Target: $36 | Target: $45 |
| Feb 2, 2026 | Piper Sandler | Reiterate | Rating: —Target: $34 | Target: $36 |
| Dec 17, 2025 | Piper Sandler | Target | Target: $33 | Target: $34 |
| Feb 3, 2025 | Keefe, Bruyette & Woods | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $59.6M · Total debt $291.0M · Total assets $6.34B · Shareholders' equity $643.4M
- Revenue
- $30.6M
- Operating income
- −$24.8M
- Net income
- $21.2M
HistoryDividendAnnual yield
| Institutions | ≈ 80.46% | 15.86M shares | |
|---|---|---|---|
| 162 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 2.68% | 527.3K shares | |
| 22 holders · as of Sep 3, 2026 | |||
| Other | ≈ 16.86% | 3.32M shares | |
| remainder | |||
19.71M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
PL Capital Advisors, LLCInstitution | 9.22% | 1.82M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 8.46% | 1.67M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.09% | 1.00M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.27% | 841,166 | as of Jun 30, 2026 |
Adage Capital Partners GP, L.L.C.Institution | 4.24% | 834,969 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 2, 2026 | Mark Zupan | director | +608 | $40.77 |
| Mar 12, 2026 | William Jack II Plants | officer: Chief Financial Officer | +660 | $30.12 |
- M&T Bank
Broad Buffalo banking franchise and regional commercial platform
- KeyCorp
Dense Buffalo retail network plus business and private banking
- Community Financial System
Upstate relationship bank with banking and wealth-management lines
- Tompkins Financial
New York relationship bank with Buffalo branch and wealth services
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Financial Institutions | $40.07 | −0.61% | $793.8M | 10.0 | 9.6 | 2.5 | +8.2% |
| M&T Bank | $221.38 | −0.91% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| KeyCorp | $20.40 | −0.37% | $22.11B | 11.9 | 10.4 | 2.1 | +7.3% |
| Community Financial System | $61.21 | +0.11% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| Tompkins Financial | $97.70 | −0.12% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| Median | 11.8 | 11.7 | 2.7 | +6.5% |