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Financial Institutions Inc

Financial Institutions Inc

FISI · NASDAQ · Financial Services / Banks - Regional

40.18USD+0.14 (+0.35%)

Price History

Full chart

Market Stats

Previous Close40.04
Open40.04
Day Range39.74 – 40.26
52-Week Range27.00 – 42.63
Volume107.50K
Market Cap799.68M
P/E (TTM)10.07
Forward P/E11.27
EPS4.03
Dividend Yield3.16%
Beta0.64
50-Day Avg40.23
200-Day Avg36.51

About

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers 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. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; 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 other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers 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 Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Martin K. Birmingham
  • Employees631
  • Headquarters220 Liberty Street, Warsaw, NY, United States, 14569, USA
  • Websitehttps://www.five-starbank.com

Leadership

  • Mr. Martin K. BirminghamPresident, CEO & Director · b. 1966
  • Mr. William Jack Plants IIExecutive VP, CFO & Treasurer · b. 1984
  • Mr. Samuel J. Burruano Jr.Executive VP, Chief Legal Officer & Corporate Secretary · b. 1969
  • Ms. Laurie R. CollinsSenior Vice President & Chief Human Resources Officer · b. 1984
  • Mr. Kevin B. QuinnSenior VP & Chief Commercial Banking Officer · b. 1964
  • Ms. Sandra L. ByersSenior VP, Controller & Principal Accounting Officer · b. 1968
  • Ms. Kate CroftDirector of Investor & External Relations
  • Ms. Blake G. JonesSenior VP & Chief Marketing Officer · b. 1982
  • Mr. Michael David Grover CPASenior VP, Director of Financial Planning & Analysis and Tax · b. 1972
  • Mr. Scott D. BaderSenior VP & Chief Information Security Officer

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue79.30M86.75M105.88M130.25M140.63M134.02M128.32M133.27M124.98M125.89M118.39M117.94M115.96M119.04M121.55M122.91M127.63M135.28M150.69M164.73M188.01M208.83M204.37M212.03M241.09M48.24M264.17M377.94M
Growth (%)-+9.39%+22.05%+23.02%+7.97%-4.70%-4.25%+3.86%-6.22%+0.73%-5.96%-0.37%-1.68%+2.66%+2.10%+1.12%+3.84%+6.00%+11.39%+9.32%+14.13%+11.08%-2.13%+3.75%+13.70%-79.99%+447.57%+43.07%
Cost of Revenue33.70M34.95M47.82M54.65M48.70M58.47M50.44M64.93M41.76M47.26M40.17M29.92M24.41M21.04M16.18M16.42M15.07M17.52M22.18M30.86M38.80M46.93M49.50M4.14M42.84M283.00M176.13M144.63M
Gross Profit45.60M51.80M58.06M75.60M91.92M75.55M77.88M68.34M83.22M78.75M78.22M88.02M91.56M98.01M105.37M106.49M112.56M117.76M128.51M133.87M149.21M161.90M154.87M207.89M198.25M48.24M88.03M233.31M
Gross Margin57.50%59.72%54.84%58.04%65.37%56.37%60.69%51.28%66.59%62.56%66.07%74.63%78.95%82.33%86.69%86.64%88.19%87.05%85.28%81.27%79.36%77.53%75.78%98.05%82.23%100.00%33.33%61.73%
Operating Expense24.60M27.03M30.16M43.35M53.05M57.28M61.77M65.49M59.61M57.54M125.68M67.44M60.92M63.79M70.60M68.58M73.58M78.89M84.37M90.40M99.67M102.48M109.15M110.67M127.28M-14.81M156.18M141.96M
Operating Income21.00M24.77M27.90M32.25M38.88M18.26M16.11M2.85M23.61M21.21M-47.46M20.58M30.64M34.21M34.77M37.91M38.98M38.88M44.14M43.47M49.53M59.42M45.72M97.22M70.97M63.05M-68.15M91.35M
Operating Margin26.48%28.55%26.36%24.76%27.64%13.63%12.56%2.14%18.89%16.85%-40.09%17.45%26.42%28.74%28.60%30.84%30.54%28.74%29.29%26.39%26.35%28.45%22.37%45.85%29.44%130.70%-25.80%24.17%
EBITDA24.10M28.36M30.94M38.23M44.57M25.81M22.34M8.11M29.24M25.20M-43.50M24.65M34.18M37.68M38.60M42.09M43.56M44.30M50.10M49.65M56.01M67.63M53.62M105.27M79.08M63.05M-60.47M99.24M
EBITDA Margin30.39%32.69%29.22%29.35%31.69%19.26%17.41%6.09%23.40%20.02%-36.74%20.90%29.47%31.65%31.75%34.24%34.13%32.75%33.25%30.14%29.79%32.39%26.23%49.65%32.80%130.70%-22.89%26.26%
Net Income13.60M15.96M18.10M21.21M26.46M14.25M12.49M2.17M17.36M16.41M-26.16M14.44M21.29M22.80M23.45M25.53M29.36M28.34M31.93M33.53M39.53M48.86M38.33M77.70M56.57M50.26M-41.65M74.87M
Net Income Margin17.15%18.39%17.10%16.29%18.81%10.63%9.74%1.63%13.89%13.03%-22.10%12.24%18.36%19.15%19.29%20.77%23.00%20.95%21.19%20.35%21.02%23.40%18.76%36.64%23.47%104.19%-15.76%19.81%
R&D-------------00000000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense30.90M31.88M43.60M49.69M42.59M35.95M30.77M36.40M43.60M47.14M33.62M22.22M17.72M13.26M9.05M7.34M7.28M10.14M12.54M17.50M29.87M38.89M22.31M12.47M28.73M120.42M149.64M133.00M
Interest Expense % of Total Revenue38.97%36.75%41.18%38.15%30.28%26.82%23.98%27.31%34.89%37.44%28.40%18.84%15.28%11.13%7.45%5.97%5.70%7.49%8.32%10.62%15.89%18.62%10.92%5.88%11.92%249.60%56.65%35.19%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets976.18M1.14B1.29B1.79B2.11B2.17B2.16B2.02B1.91B1.86B1.92B2.06B2.21B2.34B2.76B2.93B3.09B3.38B3.71B4.11B4.31B3.93B4.45B5.00B5.80B6.16B6.12B6.27B
Total Liabilities879.59M1.02B1.16B1.65B1.93B1.99B1.97B1.85B1.73B1.66B1.73B1.86B2.00B2.10B2.51B2.67B2.81B3.09B3.39B3.72B3.92B3.95B4.44B5.02B5.39B5.71B5.55B5.65B
Total Equity96.60M117.54M131.62M149.19M178.29M183.10M184.29M171.76M182.39M195.32M190.30M198.29M212.14M237.19M253.90M254.84M279.53M293.84M320.05M381.18M396.29M-14.51M2.13M-13.56M405.61M454.80M568.98M628.85M
Cash42.80M49.67M29.23M52.17M48.43M45.63M45.25M47.26M47.17M45.16M34.53M42.87M39.06M57.49M60.34M59.60M58.15M60.12M71.28M99.19M102.75M112.95M93.88M79.11M130.47M124.44M87.32M108.75M
Total Debt13.90M56.34M62.38M190.39M195.48M154.25M132.61M115.20M87.20M68.21M70.82M106.39M103.88M150.70M179.81M337.04M334.80M332.09M370.56M485.33M508.70M314.77M78.92M74.45M312.45M343.32M256.61M334.23M
Net Debt-28.90M6.66M33.16M138.22M147.05M108.61M87.36M67.94M40.03M23.05M36.29M63.52M64.82M93.21M119.46M277.44M276.65M232.98M260.22M347.00M366.75M162.55M-88.58M-78.57M181.99M218.88M169.28M225.48M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow18.60M19.20M21.79M28.09M32.56M38.68M41.23M44.57M30.20M22.77M21.29M22.27M35.43M32.02M38.70M37.20M35.23M43.09M46.69M46.28M65.14M57.71M43.45M72.96M133.57M10.89M77.13M18.80M
Investing Cash Flow-96.40M-150.95M-181.28M-213.56M-248.61M-61.50M-51.93M126.37M120.45M-12.07M-97.80M-172.22M-169.21M-104.85M-99.07M-242.19M-153.49M-305.87M-326.68M-372.61M-225.41M-24.73M-531.07M-633.42M-325.16M-310.09M-8.23M-140.04M
Financing Cash Flow80.30M150.13M128.41M208.48M211.31M60.04M-28.86M-125.06M-132.82M-73.80M85.02M137.72M129.88M91.36M63.23M204.25M116.72M264.75M291.14M354.25M163.83M-22.79M468.55M545.69M242.94M293.17M-106.02M142.67M
Capital Expenditure3.70M896.00K3.19M4.36M5.25M10.44M5.95M4.84M1.87M3.41M6.33M1.96M2.44M3.68M5.84M3.41M5.33M7.49M7.62M7.74M2.84M3.64M4.26M9.40M8.37M2.99M4.97M5.55M
Free Cash Flow14.90M18.31M18.59M23.73M27.31M28.24M35.28M39.73M28.33M19.36M14.96M20.31M32.99M28.34M32.86M33.79M29.90M35.60M39.08M38.54M62.30M54.07M39.19M63.56M125.20M7.90M72.15M13.25M
Dividends Paid3.90M4.99M5.79M6.55M7.58M8.62M8.65M6.90M5.23M6.20M7.72M7.49M7.69M7.56M8.87M11.22M11.98M12.72M12.95M13.96M16.41M17.26M17.96M18.45M19.05M19.75M19.97M26.17M
FCF to OCF80.11%95.33%85.34%84.48%83.87%73.01%85.58%89.13%93.81%85.04%70.26%91.20%93.12%88.51%84.91%90.83%84.87%82.61%83.68%83.28%95.64%93.69%90.19%87.11%93.73%72.54%93.55%70.49%
Dividend Paid to FCF26.17%27.24%31.13%27.60%27.75%30.52%24.52%17.37%18.45%32.01%51.62%36.86%23.31%26.69%26.98%33.20%40.08%35.74%33.13%36.22%26.34%31.92%45.82%29.03%15.22%249.87%27.68%197.48%

Earnings

Report DateJun 30, 1999Oct 15, 1999Jan 25, 2000Apr 18, 2000Jul 18, 2000Oct 17, 2000Jan 23, 2001Apr 17, 2001Jul 18, 2001Oct 16, 2001Jan 22, 2002Apr 18, 2002Jul 18, 2002Oct 17, 2002Jan 23, 2003Apr 17, 2003Jul 22, 2003Oct 16, 2003Jan 22, 2004Apr 20, 2004Jul 20, 2004Oct 19, 2004Jan 27, 2005Apr 28, 2005Aug 9, 2005Oct 21, 2005Jan 26, 2006Apr 27, 2006Jul 27, 2006Oct 25, 2006Jan 24, 2007Apr 26, 2007Jul 26, 2007Oct 25, 2007Jan 31, 2008Apr 24, 2008Jul 24, 2008Oct 29, 2008Jan 28, 2009Apr 22, 2009Jul 23, 2009Oct 22, 2009Jan 28, 2010Apr 29, 2010Jul 26, 2010Oct 28, 2010Jan 27, 2011Apr 27, 2011Jul 27, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 25, 2012Oct 24, 2012Jan 30, 2013Apr 24, 2013Jul 24, 2013Oct 23, 2013Jan 29, 2014Apr 23, 2014Jul 23, 2014Oct 22, 2014Jan 28, 2015Apr 22, 2015Jul 22, 2015Oct 27, 2015Jan 26, 2016Apr 26, 2016Jul 26, 2016Oct 25, 2016Jan 24, 2017Apr 25, 2017Jul 25, 2017Oct 24, 2017Jan 29, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 31, 2019Apr 30, 2019Jul 29, 2019Oct 29, 2019Jan 30, 2020Apr 30, 2020Jul 29, 2020Oct 29, 2020Jan 28, 2021Apr 28, 2021Jul 29, 2021Oct 28, 2021Jan 31, 2022Apr 27, 2022Jul 28, 2022Oct 27, 2022Jan 30, 2023Apr 26, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 30, 2025Apr 28, 2025Jul 24, 2025Oct 23, 2025Jan 29, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026Oct 29, 2026
EPS Estimate-0.330.340.350.370.380.390.400.410.440.450.500.570.580.590.490.440.400.420.400.280.400.430.340.260.210.250.300.300.350.330.240.310.350.310.320.31-2.67-0.280.170.150.260.270.320.380.380.390.370.390.410.410.390.440.450.460.430.440.460.460.450.470.470.490.430.460.490.510.480.440.500.520.510.500.500.510.570.590.630.610.610.650.680.650.450.270.480.690.760.860.891.000.840.930.910.810.810.750.840.720.620.600.760.560.740.830.880.950.920.931.051.05
EPS Actual0.350.340.340.360.370.390.390.400.430.450.490.560.560.580.530.410.280.290.170.200.390.420.220.170.210.760.220.300.440.430.230.290.270.440.340.310.33-2.68-0.330.190.190.230.450.440.390.490.380.330.390.370.390.420.460.280.430.420.470.420.430.500.480.490.540.460.440.560.440.500.470.560.570.520.510.520.490.560.740.640.450.700.690.780.790.050.670.740.841.271.251.051.210.930.990.880.780.760.910.880.610.111.620.840.540.810.850.990.961.041.04--
Surprise-3.03%0.00%2.86%0.00%2.63%0.00%0.00%4.88%2.27%8.89%12.00%-1.75%0.00%-10.17%-16.33%-36.36%-27.50%-59.52%-50.00%39.29%5.00%-48.84%-50.00%-19.23%261.90%-12.00%0.00%46.67%22.86%-30.30%20.83%-12.90%25.71%9.68%-3.13%6.45%-0.37%-17.86%11.76%26.67%-11.54%66.67%37.50%2.63%28.95%-2.56%-10.81%0.00%-9.76%-4.88%7.69%4.55%-37.78%-6.52%-2.33%6.82%-8.70%-6.52%11.11%2.13%4.26%10.20%6.98%-4.35%14.29%-13.73%4.17%6.82%12.00%9.62%1.96%2.00%4.00%-3.92%-1.75%25.42%1.59%-26.23%14.75%6.15%14.71%21.54%-88.89%148.15%54.17%21.74%67.11%45.35%17.98%21.00%10.71%6.45%-3.30%-3.70%-6.17%21.33%4.76%-15.28%-82.26%170.00%10.53%-3.57%9.46%2.41%12.50%1.05%13.04%11.83%--
Timing---------After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap799.68M
Enterprise Value1.01B
Trailing P/E10.07
Forward P/E11.27
PEG Ratio1.41
Price / Sales3.28
Price / Book1.28
EPS4.03
Book Value31.77
Revenue (TTM)243.46M
Gross Profit (TTM)243.46M
Profit Margin33.94%
Operating Margin43.60%
Return on Equity13.27%
Return on Assets1.32%
Shares Outstanding19.71M
Shares Float17.33M
Beta0.64
Dividend Yield3.16%
Dividend Rate1.28
Payout Ratio31.51%

Analyst Ratings

Buy
Based on 2 analystsTarget 45.00
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
82.14%
Insiders
2.58%
Retail / Other
15.28%

Top Institutional Holders

  • PL Capital Advisors, LLC
    1.82M9.22%
  • BlackRock Inc
    1.67M8.46%
  • Dimensional Fund Advisors, Inc.
    1.00M5.09%
  • Vanguard Capital Management, LLC
    841.17K4.27%
  • Adage Capital Partners Gp LLC
    834.97K4.24%
  • Acadian Asset Management LLC
    593.37K3.01%
  • State Street Corp
    592.49K3.01%
  • Geode Capital Management, LLC
    586.72K2.98%
  • Ategra Capital Management LLC
    564.10K2.86%
  • Two Sigma Investments LLC
    457.10K2.32%
  • JPMorgan Chase & Co
    404.98K2.06%
  • American Century Companies Inc
    349.61K1.77%
  • Vanguard Portfolio Management, LLC
    263.03K1.33%
  • AQR Capital Management LLC
    251.50K1.28%
  • Hillsdale Investment Management Inc.
    249.20K1.26%
  • AllianceBernstein L.P.
    245.26K1.24%
  • Morgan Stanley - Brokerage Accounts
    234.92K1.19%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    595.01K3.02%
  • iShares Russell 2000 ETF
    548.76K2.78%
  • Avantis US Small Cap Value ETF
    412.36K2.09%

Dividends

20263×
0.32Sep 15, 20260.32Jun 12, 20260.32Mar 13, 2026
20254×
0.31Dec 15, 20250.31Sep 15, 20250.31Jun 13, 20250.31Mar 14, 2025
20244×
0.30Dec 13, 20240.30Sep 13, 20240.30Jun 14, 20240.30Mar 14, 2024
20234×
0.30Dec 13, 20230.30Sep 13, 20230.30Jun 14, 20230.30Mar 15, 2023
20224×
0.29Dec 15, 20220.29Sep 15, 20220.29Jun 16, 20220.29Mar 17, 2022
20214×
0.27Dec 16, 20210.27Sep 16, 20210.27Jun 17, 20210.27Mar 18, 2021
20201×
0.26Dec 18, 2020