/

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

Financial Institutions, Inc.

FISI

(United States Composite)

Recent

price

17.83

P/E

ratio

5.62

div

yld

7.20%

ROIC.AI

Legends:

Stock price

0.60

Beta (1.0 Market)

% total return 05/03

Stock

S&P500

YTD

13.48

- -

-46.06

- -

-39.44

- -

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

TTM

FRC

7.84

8.92

9.12

8.10

8.21

8.41

8.66

8.89

9.57

9.79

9.94

10.64

11.36

12.60

13.80

-2.56

1.00

1.67

1.60

1.75

2.01

1.91

2.11

2.13

2.39

2.97

2.30

4.81

3.58

3.17

1.38

1.89

3.06

2.17

2.40

2.46

2.15

2.53

2.71

2.56

3.92

3.39

2.45

4.01

8.14

0.51

0.71

0.70

0.71

0.58

0.65

0.82

0.86

0.90

0.93

1.03

1.08

1.12

1.16

1.24

1.28

11.53

12.15

13.23

11.46

12.50

13.47

14.41

15.44

16.36

16.15

17.58

19.59

20.26

24.40

27.48

29.33

9.21

9.94

11.06

13.21

13.49

13.56

13.71

14.77

15.62

18.16

19.01

21.66

23.52

26.26

20.53

23.69

106

112

116

120

125

138

147

158

170

182

200

212

- -

-26

- -

29.83

30.52

33.36

32.56

32.65

24.69

27.11

27.66

22.88

20.20

17.77

16.16

20.08

20.29

20.28

-30.86

15.09

21.67

21.55

20.84

22.09

24.39

22.64

23.11

22.77

24.99

28.75

21.05

38.94

26.64

23.69

-17

-38

582

745

371

385

311

280

178

255

751

1,285

893

832

- -

107

158

190

198

212

237

254

255

280

294

320

381

396

439

468

505

406

455

- -

-0.42

3.02

4.81

5.71

4.96

4.69

3.86

3.83

2.89

2.00

2.33

3.68

14.62

5.36

-5.85

-19.51

8.38

12.98

13.81

13.29

13.42

14.31

12.72

13.34

12.95

14.17

15.97

11.55

21.50

13.68

11.18

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

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
6 days ago
Q1 2024 Financial Institutions Inc Earnings Call
Yahoo
6 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

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

TTM

FRC

7.84

8.92

9.12

8.10

8.21

8.41

8.66

8.89

9.57

9.79

9.94

10.64

11.36

12.60

13.80

-2.56

1.00

1.67

1.60

1.75

2.01

1.91

2.11

2.13

2.39

2.97

2.30

4.81

3.58

3.17

1.38

1.89

3.06

2.17

2.40

2.46

2.15

2.53

2.71

2.56

3.92

3.39

2.45

4.01

8.14

0.51

0.71

0.70

0.71

0.58

0.65

0.82

0.86

0.90

0.93

1.03

1.08

1.12

1.16

1.24

1.28

11.53

12.15

13.23

11.46

12.50

13.47

14.41

15.44

16.36

16.15

17.58

19.59

20.26

24.40

27.48

29.33

9.21

9.94

11.06

13.21

13.49

13.56

13.71

14.77

15.62

18.16

19.01

21.66

23.52

26.26

20.53

23.69

106

112

116

120

125

138

147

158

170

182

200

212

- -

-26

- -

29.83

30.52

33.36

32.56

32.65

24.69

27.11

27.66

22.88

20.20

17.77

16.16

20.08

20.29

20.28

-30.86

15.09

21.67

21.55

20.84

22.09

24.39

22.64

23.11

22.77

24.99

28.75

21.05

38.94

26.64

23.69

-17

-38

582

745

371

385

311

280

178

255

751

1,285

893

832

- -

107

158

190

198

212

237

254

255

280

294

320

381

396

439

468

505

406

455

- -

-0.42

3.02

4.81

5.71

4.96

4.69

3.86

3.83

2.89

2.00

2.33

3.68

14.62

5.36

-5.85

-19.51

8.38

12.98

13.81

13.29

13.42

14.31

12.72

13.34

12.95

14.17

15.97

11.55

21.50

13.68

11.18