Financial Institutions, Inc. (FISI) Stock Total Returns
Growth of $10,000 chart
2021-04-21 to 2026-04-21 to
$
%
%
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Investment Performance
Final Value
$13,652
Total Return
36.52%
CAGR
6.42%
Dividends
$2,137.75
Yield on Cost
21.38%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.79% |
| Median | -0.06% |
| Best | +43.89% |
| Worst | -23.91% |
| % of Windows Positive | 49.1% |
1-Year (252 Trading Days)
| Average | +6.52% |
| Median | +2.02% |
| Best | +76.92% |
| Worst | -43.99% |
| % of Windows Positive | 50.8% |
3-Year (756 Trading Days)
| Average | +10.83% |
| Median | +3.55% |
| Best | +120.42% |
| Worst | -39.44% |
| % of Windows Positive | 53.6% |
Risk Metrics
| Maximum Drawdown | -52.97% |
| Average Drawdown | -19.61% |
| Drawdown Duration | 779 Trading Days |
| Sortino Ratio | 0.54 |
| Calmar Ratio | 0.12 |
| CVaR (5%) | -4.18% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +10.71% (+39.77% ann.) | +$1071.23 | $102.66 | $20.53 | $0.16 |
| 2025 | +18.43% | +$1842.83 | $460.97 | $92.20 | $0.74 |
| 2024 | +33.96% | +$3395.54 | $574.27 | $114.85 | $0.92 |
| 2023 | -7.98% | $798.09 | $502.18 | $100.44 | $0.80 |
| 2022 | -20.66% | $2066.44 | $369.27 | $73.85 | $0.59 |
| 2021 | +45.36% | +$4535.71 | $485.13 | $97.02 | $0.77 |
| 2020 | -26.44% | $2643.72 | $330.54 | $66.11 | $0.53 |
| 2019 | +28.27% | +$2827.39 | $393.18 | $78.64 | $0.63 |
| 2018 | -15.30% | $1529.60 | $311.44 | $62.29 | $0.50 |
| 2017 | -7.04% | $704.02 | $250.57 | $50.11 | $0.40 |
| 2016 | +24.90% | +$2490.41 | $291.83 | $58.37 | $0.47 |
| 2015 | +14.28% | +$1428.31 | $321.37 | $64.28 | $0.51 |
| 2014 | +4.48% | +$448.11 | $314.76 | $62.95 | $0.50 |
| 2013 | +36.53% | +$3652.73 | $401.75 | $80.35 | $0.65 |
| 2012 | +18.54% | +$1853.67 | $356.81 | $71.36 | $0.58 |
| 2011 | -12.90% | $1289.86 | $249.82 | $49.96 | $0.40 |
| 2010 | +64.13% | +$6412.93 | $342.14 | $68.43 | $0.53 |
| 2009 | -14.98% | $1498.17 | $283.28 | $56.66 | $0.45 |
| 2008 | -17.38% | $1737.56 | $305.70 | $61.14 | $0.49 |
| 2007 | -21.21% | $2120.81 | $200.92 | $40.18 | $0.32 |
| 2006 | +18.99% | +$1898.78 | $174.19 | $34.83 | $0.28 |
| 2005 | -14.19% | $1419.34 | $173.07 | $34.61 | $0.28 |
| 2004 | -15.79% | $1579.09 | $228.69 | $45.74 | $0.37 |
| 2003 | -1.75% | $174.92 | $219.82 | $43.96 | $0.35 |
| 2002 | +27.45% | +$2744.90 | $249.30 | $49.86 | $0.40 |
| 2001 | +74.55% | +$7455.08 | $266.07 | $53.22 | $0.43 |
| 2000 | +15.12% | +$1512.26 | $349.83 | $69.96 | $0.56 |
| 1999 partial | -18.34% (-32.40% ann.) | $1833.97 | $106.93 | $21.39 | $0.18 |
Market Regimes
about| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania partial | June 25, 1999 – March 10, 2000 | -25.92% | -34.49% | $2591.64 | $106.93 | $21.39 | $0.18 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +147.47% | +42.20% | +$14747.29 | $1122.26 | $224.45 | $1.81 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | -18.83% | -4.09% | $1883.19 | $999.91 | $199.98 | $1.61 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -80.05% | -68.05% | $8005.28 | $349.43 | $69.88 | $0.56 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +335.68% | +54.65% | +$33568.13 | $3813.41 | $762.66 | $6.06 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +118.83% | +10.90% | +$11882.63 | $4093.13 | $818.63 | $6.54 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -52.26% | -99.98% | $5225.51 | $85.39 | $17.08 | $0.14 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | +10.82% | +17.97% | +$1081.74 | $323.12 | $64.63 | $0.52 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +61.32% | +57.41% | +$6131.59 | $546.69 | $109.34 | $0.87 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | -20.24% | -21.34% | $2023.86 | $374.26 | $74.85 | $0.60 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | +16.10% | +8.39% | +$1610.21 | $1007.82 | $201.56 | $1.62 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 21, 2026 | +38.60% | +22.82% | +$3860.22 | $731.07 | $146.22 | $1.17 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 1999-09-15 | $0.0800 | 0.62% |
| 1999-12-15 | $0.0800 | 0.66% |
| 2000-03-15 | $0.1000 | 0.91% |
| 2000-06-14 | $0.1000 | 0.73% |
| 2000-09-13 | $0.1100 | 0.77% |
| 2000-12-13 | $0.1100 | 0.82% |
| 2001-03-14 | $0.1100 | 0.73% |
| 2001-06-13 | $0.1200 | 0.59% |
| 2001-12-12 | $0.1300 | 0.55% |
| 2002-03-14 | $0.1300 | 0.47% |
| 2002-06-17 | $0.1400 | 0.40% |
| 2002-09-12 | $0.1500 | 0.53% |
| 2002-12-16 | $0.1600 | 0.54% |
| 2003-03-10 | $0.1600 | 0.72% |
| 2003-06-13 | $0.1600 | 0.67% |
| 2003-09-15 | $0.1600 | 0.68% |
| 2003-12-15 | $0.1600 | 0.60% |
| 2004-03-18 | $0.1600 | 0.73% |
| 2004-06-17 | $0.1600 | 0.74% |
| 2004-09-23 | $0.1600 | 0.69% |
| 2004-12-16 | $0.1600 | 0.59% |
| 2005-03-16 | $0.1600 | 0.77% |
| 2005-06-16 | $0.0800 | 0.44% |
| 2005-09-15 | $0.0800 | 0.50% |
| 2005-12-15 | $0.0800 | 0.38% |
| 2006-03-13 | $0.0800 | 0.43% |
| 2006-06-13 | $0.0800 | 0.42% |
| 2006-09-13 | $0.0900 | 0.37% |
| 2006-12-13 | $0.0900 | 0.39% |
| 2007-03-14 | $0.1000 | 0.48% |
| 2007-06-13 | $0.1100 | 0.54% |
| 2007-09-12 | $0.1200 | 0.62% |
| 2007-12-13 | $0.1300 | 0.73% |
| 2008-03-13 | $0.1400 | 0.76% |
| 2008-06-12 | $0.1500 | 0.82% |
| 2008-09-11 | $0.1500 | 0.91% |
| 2008-12-11 | $0.1000 | 0.66% |
| 2009-03-12 | $0.1000 | 2.46% |
| 2009-06-11 | $0.1000 | 0.75% |
| 2009-09-14 | $0.1000 | 0.87% |
| 2009-12-11 | $0.1000 | 0.90% |
| 2010-03-11 | $0.1000 | 0.67% |
| 2010-06-10 | $0.1000 | 0.57% |
| 2010-09-09 | $0.1000 | 0.65% |
| 2010-12-09 | $0.1000 | 0.51% |
| 2011-03-03 | $0.1000 | 0.53% |
| 2011-06-15 | $0.1200 | 0.76% |
| 2011-09-14 | $0.1200 | 0.83% |
| 2011-12-12 | $0.1300 | 0.84% |
| 2012-03-12 | $0.1300 | 0.79% |
| 2012-06-11 | $0.1400 | 0.86% |
| 2012-09-10 | $0.1400 | 0.80% |
| 2012-12-13 | $0.1600 | 0.89% |
| 2013-03-12 | $0.1800 | 0.90% |
| 2013-06-11 | $0.1800 | 0.92% |
| 2013-09-10 | $0.1900 | 0.99% |
| 2013-12-10 | $0.1900 | 0.76% |
| 2014-03-11 | $0.1900 | 0.83% |
| 2014-06-11 | $0.1900 | 0.78% |
| 2014-09-10 | $0.1900 | 0.82% |
| 2014-12-10 | $0.2000 | 0.79% |
| 2015-03-10 | $0.2000 | 0.87% |
| 2015-06-09 | $0.2000 | 0.83% |
| 2015-09-08 | $0.2000 | 0.83% |
| 2015-12-08 | $0.2000 | 0.74% |
| 2016-03-11 | $0.2000 | 0.73% |
| 2016-06-09 | $0.2000 | 0.71% |
| 2016-09-08 | $0.2000 | 0.74% |
| 2016-12-08 | $0.2100 | 0.64% |
| 2017-03-10 | $0.2100 | 0.62% |
| 2017-06-12 | $0.2100 | 0.69% |
| 2017-09-13 | $0.2100 | 0.77% |
| 2017-12-13 | $0.2200 | 0.67% |
| 2018-03-14 | $0.2400 | 0.74% |
| 2018-06-13 | $0.2400 | 0.73% |
| 2018-09-12 | $0.2400 | 0.72% |
| 2018-12-12 | $0.2400 | 0.88% |
| 2019-03-14 | $0.2500 | 0.85% |
| 2019-06-13 | $0.2500 | 0.91% |
| 2019-09-12 | $0.2500 | 0.82% |
| 2019-12-12 | $0.2500 | 0.77% |
| 2020-03-18 | $0.2600 | 1.41% |
| 2020-06-11 | $0.2600 | 1.32% |
| 2020-09-10 | $0.2600 | 1.51% |
| 2020-12-18 | $0.2600 | 1.13% |
| 2021-03-18 | $0.2700 | 0.88% |
| 2021-06-17 | $0.2700 | 0.84% |
| 2021-09-16 | $0.2700 | 0.92% |
| 2021-12-16 | $0.2700 | 0.85% |
| 2022-03-17 | $0.2900 | 0.88% |
| 2022-06-16 | $0.2900 | 1.09% |
| 2022-09-15 | $0.2900 | 1.15% |
| 2022-12-15 | $0.2900 | 1.20% |
| 2023-03-15 | $0.3000 | 1.41% |
| 2023-06-14 | $0.3000 | 1.72% |
| 2023-09-13 | $0.3000 | 1.71% |
| 2023-12-13 | $0.3000 | 1.53% |
| 2024-03-14 | $0.3000 | 1.61% |
| 2024-06-14 | $0.3000 | 1.73% |
| 2024-09-13 | $0.3000 | 1.21% |
| 2024-12-13 | $0.3000 | 1.04% |
| 2025-03-14 | $0.3100 | 1.19% |
| 2025-06-13 | $0.3100 | 1.19% |
| 2025-09-15 | $0.3100 | 1.15% |
| 2025-12-15 | $0.3100 | 0.95% |
| 2026-03-13 | $0.3200 | 1.06% |
| Total | 106 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-21 to 2026-04-21. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-06-17 | $88.52 | $17.70 | $0.14 | 2.2523 |
| 2021-09-16 | $89.13 | $17.83 | $0.14 | 2.4565 |
| 2021-12-16 | $89.79 | $17.96 | $0.14 | 2.2411 |
| 2022-03-17 | $97.10 | $19.42 | $0.15 | 2.4256 |
| 2022-06-16 | $97.80 | $19.56 | $0.16 | 3.0336 |
| 2022-09-15 | $98.68 | $19.73 | $0.16 | 3.1552 |
| 2022-12-15 | $99.60 | $19.92 | $0.16 | 3.3257 |
| 2023-03-15 | $104.03 | $20.80 | $0.17 | 3.9531 |
| 2023-06-14 | $105.21 | $21.04 | $0.17 | 5.0331 |
| 2023-09-13 | $106.72 | $21.34 | $0.17 | 5.0034 |
| 2023-12-13 | $108.22 | $21.65 | $0.17 | 4.1762 |
| 2024-03-14 | $109.48 | $21.89 | $0.18 | 4.7842 |
| 2024-06-14 | $110.91 | $22.18 | $0.18 | 5.1785 |
| 2024-09-13 | $112.47 | $22.49 | $0.18 | 3.5117 |
| 2024-12-13 | $113.52 | $22.70 | $0.18 | 3.1405 |
| 2025-03-14 | $118.28 | $23.66 | $0.19 | 3.6251 |
| 2025-06-13 | $119.40 | $23.88 | $0.19 | 3.8178 |
| 2025-09-15 | $120.58 | $24.12 | $0.19 | 3.6234 |
| 2025-12-15 | $121.71 | $24.34 | $0.20 | 2.9991 |
| 2026-03-13 | $126.59 | $25.32 | $0.20 | 3.3412 |
| Total | $2137.75 | $427.55 | $3.42 | 71.0774 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.