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Financial Institutions, Inc.

FISI US

FISI USFinancial Institutions, Inc.

United States Composite

17.83

USD

+0.40

(+2.29%)

3.15EPS Dil.

5.62P/E

274.71MMarket Cap

7.20%Div. Yield

Next Earnings

April 24

Ex-Dividend Date

March 14

Dividend Date

April 2

Held by Insiders

2.52%

Held by Institutions

63.36%

Short % of Float

0.48%

YTD Yield

13.48%

3Y Yield

-46.06%

5Y Yield

-39.44%

Capital Structure

FRC

•

in mil. unless spec.

Jun'23

Sep'23

Dec'23

ST Debt

374

185

LT Borrowings

124

125

LT Finance Leases

- -

Preferred Equity and Hybrid Capital

Shares Outstanding

Market Capitalization

242

259

328

Working Capital

FRC

•

in mil. unless spec.

Jun'23

Sep'23

Dec'23

Total Current Assets

1,092

1,070

1,037

Cash, Cash Equivalents & STI

1,092

1,046

1,012

Accounts Receivable, Net

- -

Inventories

- -

Total Current Liabilities

374

204

Payables & Accruals

- -

ST Debt

374

185

Deferred Revenue

- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years

5 years

1 year

Sales/Revenue/Turnover

6.26%

6.11%

- -

Net Income, GAAP

11.24%

13.22%

-12.28%

Free Cash Flow

10.07%

5.03%

-93.60%

Total Cash Common Dividend

6.29%

3.76%

- -

Total Equity

6.45%

3.57%

12.07%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

2021

200

2022

212

2023

212

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

2021

1.28

1.25

1.06

1.22

4.81

2022

0.94

1.00

0.88

0.76

3.58

2023

0.76

0.91

0.89

0.61

3.17

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

2021

0.29

1.16

2022

0.30

0.31

1.24

2023

0.31

0.32

1.28

Company Description

CEO: Mr. Martin K. Birmingham
Full Time Employees: 624
Sector: Financial Services
Industry: Banks—Regional
Address: 220 Liberty Street Warsaw NY United States 14569
CIK: 0000862831
Website: www.fisi-investors.com
Business: Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses 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. 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 credit; and consumer loans, such as automobile, secured installment, and personal loans. The company offers personal insurance products, 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, such as 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Company News

Yahoo Finance
3 days ago
Financial Institutions, Inc. (NASDAQ:FISI) Q1 2024 Earnings Call Transcript
Yahoo
3 days ago
Financial Institutions, Inc. (NASDAQ:FISI) Q1 2024 Earnings Call Transcript
Tipranks
4 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
tipranks.com
4 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Yahoo Finance
6 days ago
Financial Institutions First Quarter 2024 Earnings: Revenues Beat Expectations, EPS Lags
Yahoo
6 days ago
Financial Institutions First Quarter 2024 Earnings: Revenues Beat Expectations, EPS Lags
GuruFocus.com
6 days ago
Financial Institutions Inc (FISI) Q1 2024 Earnings Call Transcript Highlights: Navigating Challenges and Capitalizing on Opportunities
GuruFocus.com
6 days ago
Q1 2024 Financial Institutions Inc Earnings Call Transcript
Yahoo Finance
7 days ago
Q1 2024 Financial Institutions Inc Earnings Call
Yahoo
7 days ago
Q1 2024 Financial Institutions Inc Earnings Call
Seekingalpha
7 days ago
Financial Institutions GAAP EPS of $0.11 misses by $0.05, revenue of $50.98M beats by $0.88M
seekingalpha
7 days ago
Financial Institutions GAAP EPS of $0.11 misses by $0.05, revenue of $50.98M beats by $0.88M
tipranks.com
7 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Tipranks
7 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Zacks
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo Finance
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo Finance
8 days ago
Financial Institutions Inc. (FISI) Faces Setbacks in Q1 2024 Amid Fraud Event
Yahoo
8 days ago
Financial Institutions Inc. (FISI) Faces Setbacks in Q1 2024 Amid Fraud Event
seekingalpha
8 days ago
Financial Institutions reports Q1 results

Company Description

CEO: Mr. Martin K. Birmingham
Full Time Employees: 624
Sector: Financial Services
Industry: Banks—Regional
Address: 220 Liberty Street Warsaw NY United States 14569
CIK: 0000862831
Website: www.fisi-investors.com
Business: Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses 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. 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 credit; and consumer loans, such as automobile, secured installment, and personal loans. The company offers personal insurance products, 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, such as 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Company News

Yahoo Finance
3 days ago
Financial Institutions, Inc. (NASDAQ:FISI) Q1 2024 Earnings Call Transcript
Yahoo
3 days ago
Financial Institutions, Inc. (NASDAQ:FISI) Q1 2024 Earnings Call Transcript
Tipranks
4 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
tipranks.com
4 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Yahoo Finance
6 days ago
Financial Institutions First Quarter 2024 Earnings: Revenues Beat Expectations, EPS Lags
Yahoo
6 days ago
Financial Institutions First Quarter 2024 Earnings: Revenues Beat Expectations, EPS Lags
GuruFocus.com
6 days ago
Financial Institutions Inc (FISI) Q1 2024 Earnings Call Transcript Highlights: Navigating Challenges and Capitalizing on Opportunities
GuruFocus.com
6 days ago
Q1 2024 Financial Institutions Inc Earnings Call Transcript
Yahoo Finance
7 days ago
Q1 2024 Financial Institutions Inc Earnings Call
Yahoo
7 days ago
Q1 2024 Financial Institutions Inc Earnings Call
Seekingalpha
7 days ago
Financial Institutions GAAP EPS of $0.11 misses by $0.05, revenue of $50.98M beats by $0.88M
seekingalpha
7 days ago
Financial Institutions GAAP EPS of $0.11 misses by $0.05, revenue of $50.98M beats by $0.88M
tipranks.com
7 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Tipranks
7 days ago
KBW Sticks to Their Hold Rating for Financial Institutions (FISI)
Zacks
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo Finance
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo
8 days ago
Financial Institutions (FISI) Q1 Earnings Lag Estimates
Yahoo Finance
8 days ago
Financial Institutions Inc. (FISI) Faces Setbacks in Q1 2024 Amid Fraud Event
Yahoo
8 days ago
Financial Institutions Inc. (FISI) Faces Setbacks in Q1 2024 Amid Fraud Event
seekingalpha
8 days ago
Financial Institutions reports Q1 results