FISI - Financial Institutions Inc Stock Price, Fair Value and News

19.00USD+0.30 (+1.60%)Delayed

Market Summary

USD19.00+0.30

Delayed

1.60%

FISI Stock Price

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FISI RSI Chart

FISI Valuation

Market Cap

293.5M

Price/Earnings (Trailing)

7.29

Price/Sales (Trailing)

0.98

EV/EBITDA

1.88

Price/Free Cashflow

22.06

FISI Price/Sales (Trailing)

FISI Profitability

EBT Margin

16.83%

Return on Equity

9.03%

Return on Assets

0.64%

Free Cashflow Yield

4.53%

FISI Fundamentals

FISI Revenue

Revenue (TTM)

300.8M

Rev. Growth (Yr)

22.96%

Rev. Growth (Qtr)

2.44%

FISI Earnings

Earnings (TTM)

40.2M

Earnings Growth (Yr)

-82.88%

Earnings Growth (Qtr)

-78.83%

Breaking Down FISI Revenue

Last 7 days

0.7%

Last 30 days

16.3%

Last 90 days

-1.2%

Trailing 12 Months

11.9%

How does FISI drawdown profile look like?

FISI Financial Health

Debt/Equity

0.28

Debt/Cashflow

0.13

FISI Investor Care

Dividend Yield

6.32%

Dividend/Share (TTM)

1.2

Shares Dilution (1Y)

0.46%

Diluted EPS (TTM)

2.5

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	300.8M	0	0	0
2023	217.5M	243.4M	267.4M	286.1M
2022	168.3M	172.6M	182.1M	196.1M
2021	160.9M	162.1M	163.6M	167.2M
2020	168.9M	166.1M	163.3M	161.3M
2019	158.8M	164.4M	167.7M	168.8M
2018	135.0M	140.7M	146.4M	152.7M
2017	118.1M	121.3M	125.3M	130.1M
2016	108.1M	110.4M	112.7M	115.2M
2015	101.0M	102.1M	103.9M	105.5M
2014	99.2M	99.8M	100.3M	101.1M
2013	98.9M	99.5M	98.8M	98.9M
2012	94.9M	94.8M	96.4M	97.6M
2011	96.3M	96.0M	95.5M	95.1M
2010	0	95.2M	95.8M	96.5M
2009	0	0	0	94.5M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Financial Institutions Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 19, 2024	quinn kevin b	sold (taxes)	-23,923	18.29	-1,308	senior vice president
Mar 19, 2024	dumbleton sonia marie	sold (taxes)	-7,626	18.29	-417	senior vice president
Mar 19, 2024	quinn kevin b	acquired	-	-	3,653	senior vice president
Mar 19, 2024	burruano samuel j jr	sold (taxes)	-9,638	18.29	-527	executive vice president
Mar 19, 2024	burruano samuel j jr	acquired	-	-	3,578	executive vice president
Mar 19, 2024	plants william jack ii	acquired	-	-	3,578	chief financial officer
Mar 19, 2024	birmingham martin kearney	acquired	-	-	16,346	president & ceo
Mar 19, 2024	birmingham martin kearney	sold (taxes)	-107,746	18.29	-5,891	president & ceo
Mar 19, 2024	plants william jack ii	sold (taxes)	-23,557	18.29	-1,288	chief financial officer
Mar 19, 2024	dumbleton sonia marie	acquired	-	-	1,012	senior vice president

Which funds bought or sold FISI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	COMERICA BANK	new	-	2,089	2,089	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.92	-24,512	28,738	-%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	sold off	-100	-53,250	-	-%
May 15, 2024	AMERIPRISE FINANCIAL INC	unchanged	-	-102,689	779,498	-%
May 15, 2024	Aquatic Capital Management LLC	added	125	16,876	33,876	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-58.5	-596,483	345,403	-%
May 15, 2024	Engineers Gate Manager LP	sold off	-100	-262,757	-	-%
May 15, 2024	MORGAN STANLEY	added	13.42	8,644	4,074,520	-%
May 15, 2024	BARCLAYS PLC	reduced	-29.31	-403,000	668,000	-%
May 15, 2024	Community Bank, N.A.	new	-	4,702	4,702	-%

Are Funds Buying or Selling FISI?

Are funds buying FISI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own FISI

No. of Funds

Unveiling Financial Institutions Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	dimensional fund advisors lp	6.7%	1,027,186	SC 13G/A
Jan 25, 2024	blackrock inc.	9.0%	1,379,376	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	8.2%	1,262,125	SC 13G/A
Feb 03, 2023	blackrock inc.	8.2%	1,261,224	SC 13G/A
Feb 08, 2022	dimensional fund advisors lp	7.9%	1,249,099	SC 13G/A
Feb 01, 2022	blackrock inc.	7.4%	1,169,410	SC 13G/A
Feb 12, 2021	dimensional fund advisors lp	8.0%	1,289,017	SC 13G/A
Jan 29, 2021	blackrock inc.	8.0%	1,278,274	SC 13G/A
Feb 12, 2020	dimensional fund advisors lp	8.36%	1,337,901	SC 13G/A
Feb 05, 2020	blackrock inc.	7.9%	1,256,256	SC 13G/A

Recent SEC filings of Financial Institutions Inc

View All Filings

Date Filed	Form Type	Document
May 06, 2024	10-Q	Quarterly Report
Apr 25, 2024	8-K	Current Report
Apr 12, 2024	ARS	ARS
Apr 12, 2024	DEF 14A	DEF 14A
Apr 12, 2024	DEFA14A	DEFA14A
Apr 02, 2024	3	Insider Trading
Apr 01, 2024	8-K	Current Report
Mar 27, 2024	8-K	Current Report
Mar 21, 2024	4	Insider Trading
Mar 21, 2024	4	Insider Trading

Financial Institutions Inc News

Latest updates

Financial Institutions Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	2.4%	78.00	77.00	75.00	71.00	64.00	58.00	51.00	45.00	42.00	44.00	41.00	41.00	41.00	40.00	40.00	40.00	42.00	42.00	42.00	43.00	42.00
EBITDA Margin	-10.6%	0.74*	0.83*	0.90*	1.00*	1.13*	1.26*	1.39*	1.46*	1.51*	1.55*	1.51*	1.47*	-	-	-	-	-	-	-	-	-
Interest Expenses	0.5%	40.00	40.00	42.00	42.00	42.00	43.00	43.00	42.00	40.00	41.00	38.00	38.00	38.00	36.00	35.00	34.00	33.00	33.00	32.00	32.00	32.00
Income Taxes	-93.1%	0.00	5.00	2.00	2.00	3.00	2.00	5.00	4.00	3.00	4.00	5.00	5.00	5.00	2.00	3.00	2.00	0.00	0.00	4.00	3.00	3.00
Earnings Before Taxes	-83.8%	2.00	15.00	16.00	17.00	15.00	14.00	19.00	20.00	18.00	24.00	22.00	26.00	26.00	15.00	15.00	14.00	1.00	13.00	17.00	14.00	15.00
EBT Margin	-23.6%	0.17*	0.22*	0.23*	0.27*	0.31*	0.36*	0.44*	0.48*	0.53*	0.58*	0.54*	0.51*	-	-	-	-	-	-	-	-	-
Net Income	-78.8%	2.00	10.00	14.00	14.00	12.00	12.00	14.00	16.00	15.00	20.00	17.00	20.00	21.00	14.00	12.00	11.00	1.00	13.00	13.00	11.00	12.00
Net Income Margin	-23.8%	0.13*	0.18*	0.20*	0.22*	0.25*	0.29*	0.35*	0.39*	0.43*	0.46*	0.44*	0.41*	-	-	-	-	-	-	-	-	-
Free Cashflow	122.7%	11.00	-48.92	43.00	8.00	6.00	13.00	34.00	35.00	43.00	32.00	6.00	5.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	2.2%	6,299	6,161	6,140	6,141	5,967	5,797	5,624	5,568	5,630	5,521	5,623	5,295	5,329	4,912	4,959	4,681	4,472	4,384	4,333	4,314	4,303
Net PPE	-0.3%	40.00	40.00	40.00	41.00	42.00	42.00	41.00	40.00	40.00	40.00	41.00	44.00	40.00	41.00	41.00	41.00	41.00	41.00	41.00	42.00	42.00
Goodwill	0.0%	67.00	67.00	-	-	-	67.00	-	-	-	67.00	-	-	-	-	-	-	-	-	-	-	-
Liabilities	2.6%	5,853	5,706	5,731	5,715	5,544	5,392	5,230	5,142	5,184	5,016	5,129	4,808	4,863	4,444	4,503	4,233	4,032	3,945	3,900	3,892	3,894
Short Term Borrowings	-28.1%	133	185	70.00	374	116	205	69.00	109	-	30.00	-	-	-	5.00	5.00	105	110	276	211	309	287
Long Term Debt	0.1%	125	125	124	124	124	74.00	74.00	74.00	74.00	74.00	74.00	74.00	74.00	74.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00
Shareholder's Equity	-2.0%	446	455	409	426	423	406	394	426	447	505	494	487	466	468	456	448	439	439	433	422	408
Retained Earnings	-0.6%	449	452	447	438	428	421	414	405	394	384	369	356	341	325	316	308	301	313	305	296	289
Additional Paid-In Capital	-1.0%	125	126	126	125	125	127	126	126	126	126	126	125	125	125	125	125	124	125	124	124	123
Shares Outstanding	0.2%	15.00	15.00	-	-	15.00	15.00	-	-	-	16.00	-	-	-	16.00	-	-	-	-	-	-	-
Float	-	-	-	-	235,968	-	-	-	390,282	-	-	-	466	-	-	-	292	-	-	-	457	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	125.8%	12,290	-47,669	43,748	8,253	6,562	16,145	35,644	37,590	44,194	33,495	8,518	10,644	20,305	23,157	10,126	5,850	4,322	16,548	12,029	13,775	15,358
Share Based Compensation	323.1%	569	-255	721	657	551	499	662	947	443	427	538	562	216	343	289	369	332	378	393	453	182
Cashflow From Investing	2.9%	-26,164	-26,947	-4,023	-114,555	-164,565	-159,708	-66,595	-19,763	-79,094	-117,027	-237,580	-87,579	-191,236	-154,462	-114,058	-236,501	-26,050	-69,541	3,060	35,425	6,323
Cashflow From Financing	1720.5%	126,470	6,947	-27,862	146,576	167,511	155,448	39,827	-78,526	126,192	-125,782	311,101	-61,468	421,843	-56,887	266,392	198,093	60,949	29,125	12,738	-19,998	-44,650
Dividend Payments	-100.0%	-	3,525	4,974	4,976	4,811	3,350	4,811	4,809	4,624	3,181	4,638	4,637	4,535	3,073	4,528	4,530	4,365	2,902	4,360	4,350	4,187
Buy Backs	4812.5%	393	8.00	-	2.00	561	13.00	-	301	15,026	3,268	2,964	37.00	6.00	13.00	-	-	196	73.00	27.00	-	193

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FISI Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Interest and fees on loans	$ 70,333	$ 57,098
Interest and dividends on investment securities	6,095	6,057
Other interest income	1,985	616
Total interest income	78,413	63,771
Interest expense:
Deposits	35,238	19,294
Short-term borrowings	1,529	1,202
Long-term borrowings	1,564	1,460
Total interest expense	38,331	21,956
Net interest income	40,082	41,815
(Benefit) provision for credit losses	(5,456)	4,214
Net interest income after (benefit) provision for credit losses	45,538	37,601
Noninterest income:
Service charges on deposits	1,077	1,027
Insurance income	2,134	2,087
Card interchange income	1,902	1,939
Investment advisory	2,582	2,923
Company owned life insurance	1,298	994
Investments in limited partnerships	342	251
Loan servicing	175	146
Income from derivative instruments, net	174	496
Net gain on sale of loans held for sale	88	112
Net (loss) gain on other assets	(13)	39
Net loss on tax credit investments	(375)	(201)
Other	1,517	1,111
Total noninterest income	10,901	10,924
Noninterest expense:
Salaries and employee benefits	17,340	18,133
Occupancy and equipment	3,752	3,730
Professional services	2,372	1,495
Computer and data processing	5,386	4,691
Supplies and postage	475	490
FDIC assessments	1,295	1,115
Advertising and promotions	297	314
Amortization of intangibles	217	234
Deposit-related charged-off items	19,179	323
Other	3,700	3,136
Total noninterest expense	54,013	33,661
Income (loss) before income taxes	2,426	14,864
Income tax expense	356	2,775
Net income (loss)	2,070	12,089
Preferred stock dividends	365	365
Net income available to common shareholders	$ 1,705	$ 11,724
Earnings per common share (Note 2):
Basic	$ 0.11	$ 0.76
Diluted	0.11	0.76
Cash dividends declared per common share	$ 0.3	$ 0.3

About Financial Institutions Inc

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 offers 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 also provides 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.

CEO	Mr. Martin K. Birmingham
WEBSITE	fisi-investors.com
INDUSTRY	Banks Diversified
EMPLOYEES	672

Financial Institutions Inc Frequently Asked Questions

What is the ticker symbol for Financial Institutions Inc? What does FISI stand for in stocks?

FISI is the stock ticker symbol of Financial Institutions Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Financial Institutions Inc (FISI)?

As of Fri May 17 2024, market cap of Financial Institutions Inc is 293.49 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of FISI stock?

You can check FISI's fair value in chart for subscribers.

What is the fair value of FISI stock?

You can check FISI's fair value in chart for subscribers. The fair value of Financial Institutions Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Financial Institutions Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for FISI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Financial Institutions Inc a good stock to buy?

The fair value guage provides a quick view whether FISI is over valued or under valued. Whether Financial Institutions Inc is cheap or expensive depends on the assumptions which impact Financial Institutions Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for FISI.

What is Financial Institutions Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, FISI's PE ratio (Price to Earnings) is 7.29 and Price to Sales (PS) ratio is 0.98. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. FISI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Financial Institutions Inc's stock?

In the past 10 years, Financial Institutions Inc has provided 0.012 (multiply by 100 for percentage) rate of return.