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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. more
Time Frame | FISI | Sector | S&P500 |
---|---|---|---|
1-Week Return | 6.43% | -1.21% | 0.2% |
1-Month Return | 7.2% | -1.84% | 2.72% |
3-Month Return | 9.09% | 8.32% | 7.31% |
6-Month Return | 62.76% | 19.73% | 10.44% |
1-Year Return | 39.26% | 31.67% | 27.53% |
3-Year Return | -9.77% | 27.24% | 30.88% |
5-Year Return | -14.33% | 58.69% | 89.21% |
10-Year Return | 12.72% | 207.34% | 199.95% |
Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | 5YR TREND | |
---|---|---|---|---|---|---|
Total Revenue | 169.94M | 182.06M | 199.56M | 212.35M | 48.24M | [{"date":"2019-12-31","value":80.03,"profit":true},{"date":"2020-12-31","value":85.73,"profit":true},{"date":"2021-12-31","value":93.97,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":22.72,"profit":true}] |
Cost of Revenue | - | - | - | - | 283.00M | [{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Gross Profit | 169.94M | 182.06M | 199.56M | 212.35M | 48.24M | [{"date":"2019-12-31","value":80.03,"profit":true},{"date":"2020-12-31","value":85.73,"profit":true},{"date":"2021-12-31","value":93.97,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":22.72,"profit":true}] |
Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Expenses | (110.52M) | (136.33M) | (102.33M) | 2.01M | 1.93M | [{"date":"2019-12-31","value":-5490.31,"profit":false},{"date":"2020-12-31","value":-6772.68,"profit":false},{"date":"2021-12-31","value":-5083.61,"profit":false},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":95.68,"profit":true}] |
Operating Income | 59.42M | 45.72M | 97.22M | 106.83M | 63.05M | [{"date":"2019-12-31","value":55.62,"profit":true},{"date":"2020-12-31","value":42.8,"profit":true},{"date":"2021-12-31","value":91.01,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":59.02,"profit":true}] |
Total Non-Operating Income/Expense | 189.33M | 125.26M | 141.65M | 150.25M | 232.03M | [{"date":"2019-12-31","value":81.6,"profit":true},{"date":"2020-12-31","value":53.98,"profit":true},{"date":"2021-12-31","value":61.05,"profit":true},{"date":"2022-12-31","value":64.75,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Pre-Tax Income | 59.42M | 45.72M | 97.22M | 70.97M | 63.05M | [{"date":"2019-12-31","value":61.12,"profit":true},{"date":"2020-12-31","value":47.03,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":73,"profit":true},{"date":"2023-12-31","value":64.85,"profit":true}] |
Income Taxes | 10.56M | 7.39M | 19.52M | 14.40M | 12.79M | [{"date":"2019-12-31","value":54.08,"profit":true},{"date":"2020-12-31","value":37.85,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":73.74,"profit":true},{"date":"2023-12-31","value":65.5,"profit":true}] |
Income After Taxes | 48.86M | 38.33M | 77.70M | 56.57M | 50.26M | [{"date":"2019-12-31","value":62.89,"profit":true},{"date":"2020-12-31","value":49.34,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":64.69,"profit":true}] |
Income From Continuous Operations | 48.86M | 38.33M | 77.70M | 56.57M | 52.57M | [{"date":"2019-12-31","value":62.89,"profit":true},{"date":"2020-12-31","value":49.34,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":67.66,"profit":true}] |
Income From Discontinued Operations | - | - | - | - | - | [{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true}] |
Net Income | 48.86M | 38.33M | 77.70M | 56.57M | 50.26M | [{"date":"2019-12-31","value":62.89,"profit":true},{"date":"2020-12-31","value":49.34,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.81,"profit":true},{"date":"2023-12-31","value":64.69,"profit":true}] |
EPS (Diluted) | 2.96 | 2.30 | 4.78 | 3.56 | 3.39 | [{"date":"2019-12-31","value":61.92,"profit":true},{"date":"2020-12-31","value":48.12,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":74.48,"profit":true},{"date":"2023-12-31","value":70.92,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
FISI | |
---|---|
Cash Ratio | 13.78 |
Current Ratio | 16.81 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
FISI | |
---|---|
ROA (LTM) | 0.83% |
ROE (LTM) | 11.21% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
FISI | |
---|---|
Debt Ratio Lower is generally better. Negative is bad. | 0.92 |
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.08 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
FISI | |
---|---|
Trailing PE | 9.12 |
Forward PE | NM |
P/S (TTM) | 2.07 |
P/B | 0.93 |
Price/FCF | NM |
EV/R | 3.09 |
EV/Ebitda | NM |
PEG | 1.91 |
Financial Institutions Inc (FISI) share price today is $27.991
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The 52-week high price of Financial Institutions Inc (FISI) is $29.34. The 52-week low price of Financial Institutions Inc (FISI) is $15.65.
The price-to-earnings (P/E) ratio of Financial Institutions Inc (FISI) is 9.123
The price-to-book (P/B) ratio of Financial Institutions Inc (FISI) is 0.93
The dividend yield of Financial Institutions Inc (FISI) is 4.16%
The market capitalization of Financial Institutions Inc (FISI) is $447.53M
The stock symbol (or ticker) of Financial Institutions Inc is FISI