Financial Institutions, Inc

(NASDAQ:FISI)

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Latest On Financial Institutions, Inc (FISI):

About Financial Institutions, Inc (FISI):

Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of cre read more...dit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, Medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. The company operates a network of 53 offices in the New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

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General

  • Name Financial Institutions, Inc
  • Symbol FISI
  • Type Common Stock
  • Exchange NASDAQ
  • Currency USD
  • Country USA
  • SectorFinancial Services
  • IndustryBanks-Regional
  • Full Time Employees 605
  • Fiscal Year EndDecember
  • IPO Date1999-06-25
  • Gic SectorFinancials
  • Gic GroupBanks
  • Gic IndustryBanks
  • Gic SubIndustryRegional Banks
  • Web URLhttp://www.five-starbank.com
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Valuation

  • Trailing PE 13.16
  • Price/Sales (Trailing 12 Mt.) 2.8
  • Price/Book (Most Recent Quarter) 237.34
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Financials

  • Most Recent Quarter 2020-12-31
  • Current Year EPS Estimate $2.89
  • Next Year EPS Estimate $2.86
  • Next Quarter EPS Estimate $0.68
  • Profit Margin 25%
  • Operating Margin 33%
  • Return on Assets 1%
  • Return on Equity 8%
  • Revenue 154.98 million
  • Earnings Per Share $2.30
  • Revenue Per Share $9.67
  • Gross Profit 154.98 million
  • Quarterly Earnings Growth 3.7%
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Highlights

  • Market Capitalization 478.76 million
  • PE Ratio 8.03
  • PEG Ratio 1.91
  • Analyst Target Price $28.75
  • Book Value Per Share $28.42
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Share Statistics

  • Shares Outstanding 15.82 million
  • Shares Float 15.28 million
  • % Held by Insiders 228%
  • % Held by Institutions 69.66%
  • Shares Short 218661
  • Shares Short Prior Month 208794
  • Short Ratio 2.84
  • Short % of Float 1%
  • Short % of Shares Outstanding 1%
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Technicals

  • Beta 1.2
  • 52 Week High $32.43
  • 52 Week Low $12.28
  • 50 Day Moving Average 27.43
  • 200 Day Moving Average 21.56
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Dividends

  • Forward Annual Dividend Rate $1.08
  • Forward Annual Dividend Yield 3.55%
  • Payout Ratio 46%
  • Dividend Date 2021-04-02
  • ExDividend Date 2021-03-18
  • Dividend Per Share $1.04
  • Dividend Yield 4.45%
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$0.30$0.30$0.25$0.25$0.20$0.20$0.15$0.15$0.10$0.10$0.05$0.05$0.00$0.00AmountQ4/2021Q4/2021Q1/2022Q1/2022Q2/2022Q2/2022Q3/2022Q3/2022Q4/2022Q4/2022Q1/2023Q1/2023Q2/2023Q2/2023Q3/2023Q3/2023Q4/2023Q4/2023Q1/2024Q1/2024Q2/2024Q2/2024Q3/2024Q3/2024Date

Financial Institutions, Inc (FISI) Dividend Calendar:

Financial Institutions, Inc pays an annual dividend of $1.08 per share, with a dividend yield of 4.45%.
FISI's last dividend payment was made to shareholders on April 2, 2021.
Financial Institutions, Inc pays out 46% of its earnings out as a dividend.

Financial Institutions, Inc (FISI) Earnings History:

Companies typically report earnings on both a quarterly and annual basis. Earnings reported that deviate from analysts' expectations can have a large impact on a stock's price.


Financial Institutions, Inc (FISI) Company Financial Statements:

Financial statements are reports prepared by a company's management to present their financial performance and position at a point in time. A general-purpose set of financial statements usually includes a balance sheet, income statements, and statement of cash flows.

Income Statement:
Date
Research Development
Income Before Tax
Selling General Administrative
Gross Profit
Ebit
Operating Income
Income Tax Expense
Total Revenue
Cost of Revenue
Total Other Income Expense Net
Net Income From Continuing Operations
Net Income Applicable to Common Shares
Cash Flow:
Date
Investments
Change to Liabilities
Total Cash Flow from Investing Activities
Net Borrowings
Total Cash Flow from Financial Activities
Change to Operating Activities
Change in Cash
Total Cash from Operating Activities
Depreciation
Other Cash Flow from Investing Activities
Change to Inventory
Change to Account Receivables
Other Cash Flow from Financing Activities
Change to Net Income
Capital Expenditures
Balance Sheet:
Date
Total Liabailities
Total Stockholder Equity
Other Current Liabilities
Total Assets
Common Stock
Other Current Assets
Retained Earnings
Other Liabilities
Other Assets
Cash
Total Current Liabilities
Other Stockholder Equity
Property, Plant & Equipment
Total Current Assets
Long Term Investments
Net Tangible Assets
Short Term Investments
Long Term Debt
Inventory
Accounts Payable

Financial Institutions, Inc (FISI) Chart:

Financial Institutions, Inc (FISI) News:

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Financial Institutions, Inc (FISI) Options:

A stock option is a contract between two parties in which the stock option buyer (holder) purchases the right (but not the obligation) to buy/sell 100 shares of an underlying stock at a predetermined price from/to the option seller (writer) within a fixed period of time.

Latest FISI Trades:

Financial Institutions, Inc (FISI) SEC Filings:

An SEC filing is a financial statement or other formal document submitted to the U.S. Securities and Exchange Commission (SEC). Public companies, certain insiders, and broker-dealers are required to make regular SEC filings.

Financial Institutions, Inc (FISI) Insider Transactions:

Here you will find a list of insider trading activities (stock purchases, sales, and option exercises) reported by insiders of Financial Institutions, Inc (FISI). Company insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.
Insider Ownership: 228%
Institutional Ownership: 6966%