What if you'd held FISI?
A $1,000 investment in Financial Institutions, Inc. (FISI) at the month-end close of 1999-06 would be worth $6,751 at the close of 2026-08 — +575.1% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,615.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1999
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1999 | $1,000 | — |
| 2000 | $1,159 | +15.9% |
| 2001 | $2,030 | +75.1% |
| 2002 | $2,599 | +28.0% |
| 2003 | $2,567 | -1.2% |
| 2004 | $2,173 | -15.3% |
| 2005 | $1,873 | -13.8% |
| 2006 | $2,236 | +19.4% |
| 2007 | $1,770 | -20.8% |
| 2008 | $1,472 | -16.9% |
| 2009 | $1,270 | -13.7% |
| 2010 | $2,095 | +64.9% |
| 2011 | $1,837 | -12.3% |
| 2012 | $2,192 | +19.3% |
| 2013 | $3,012 | +37.4% |
| 2014 | $3,167 | +5.2% |
| 2015 | $3,643 | +15.0% |
| 2016 | $4,579 | +25.7% |
| 2017 | $4,280 | -6.5% |
| 2018 | $3,647 | -14.8% |
| 2019 | $4,712 | +29.2% |
| 2020 | $3,486 | -26.0% |
| 2021 | $5,103 | +46.4% |
| 2022 | $4,083 | -20.0% |
| 2023 | $3,808 | -6.7% |
| 2024 | $5,161 | +35.5% |
| 2025 | $6,165 | +19.5% |
| 2026 | $8,248 | +33.8% |
Best and worst month-end to buy
The best single month-end close to have bought FISI was 2009-02 ($1.68): $1,000 then is $24,351 today. The worst was 2026-07 ($41.46): $1,000 then is $987.
FAQ
What would $1,000 in FISI be worth today?
A $1,000 investment in Financial Institutions, Inc. (FISI) at the start of 1999 would be worth about $6,751 today, a total return of +575.1%. Dividends are reinvested in these figures.
What were the best and worst years for FISI?
Financial Institutions, Inc. (FISI)'s strongest calendar year since 1999 was 2001, a +75.1% return — $1,000 held through that year became about $1,751 by year-end. Its weakest year was 2020, at -26.0%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in FISI have grown?
Investing $100 at the end of every month since 1999-06 would have grown to about $116,799 on $32,700 invested.
Did FISI beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $5,615. FISI beat the S&P 500 by +20.2% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Financial Institutions, Inc. (FISI) historical total-return data from 1999-06 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.