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Financial Institutions, Inc. (FISI)

Stock Price: $14.77 USD -0.26 (-1.73%)
Updated Jul 31, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 236.61M
Revenue (ttm) 152.62M
Net Income (ttm) 38.47M
Shares Out 16.02M
EPS (ttm) 2.29
PE Ratio 6.45
Forward PE n/a
Dividend $1.04
Dividend Yield 7.04%

Stock Quote

Trading Day Jul 31, 2020
Last Price $14.77
Previous Close $15.03
Change ($) -0.26
Change (%) -1.73%
Day's Open 14.84
Day's Range 14.50 - 15.00
Day's Volume 117,877
52-Week Range 12.78 - 33.28

More Stats

Market Cap 236.61M
Enterprise Value 233.23M
Earnings Date (est) Oct 27, 2020
Ex-Dividend Date Jun 11, 2020
Shares Outstanding 16.02M
Float 15.13M
EPS (basic) 2.32
EPS (diluted) 2.29
FCF / Share 2.65
Dividend $1.04
Dividend Yield 7.04%
Earnings Yield 15.50%
FCF Yield 17.93%
Payout Ratio 43.50%
Shares Short 230,410
Short Ratio 3.60
Short % of Float 1.40%
Beta 1.11
PE Ratio 6.45
Forward PE n/a
P/FCF Ratio 5.58
PS Ratio 1.55
PB Ratio 0.57
Revenue 152.62M
Operating Income 46.32M
Net Income 38.47M
Free Cash Flow 42.41M
Net Cash 3.38M
Net Cash / Share 0.21
Gross Margin 106.31%
Operating Margin 30.35%
Profit Margin 24.40%
FCF Margin 27.79%
ROA 0.85%
ROE 8.78%
ROIC 1.00%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (4)

Buy 2
Overweight 0
Hold 2
Underweight 0
Sell 0

Analyst Consensus: Overweight

Price Target

(42.18% upside)
Current: $14.77
Target: 21.00
*Average 12-month price target from 4 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Revenue Growth7.87%12.26%4.02%8.91%6.23%3.71%1.11%8.32%7.05%-
Gross Profit16215013412911811110710698.0191.56
Operating Income59.4249.5343.4744.1438.8838.9837.9134.7735.3030.64
Net Income48.8639.5333.5331.9328.3429.3625.5323.4522.8021.29
Shares Outstanding15.9715.9115.0414.4414.0813.8913.7413.7013.0710.77
Earnings Per Share2.962.392.132.101.902.001.751.601.491.61
EPS Growth23.85%12.21%1.43%10.53%-5%14.29%9.38%7.38%-7.45%-
Dividend Per Share1.001.200.850.810.800.770.740.570.470.40
Dividend Growth-16.67%41.18%4.94%1.25%3.9%4.05%29.82%21.28%17.5%-
Operating Cash Flow57.7165.1446.2846.6943.0935.2337.2038.7032.0235.43
Capital Expenditures-3.64-2.84-7.74-7.62-7.49-5.33-3.41-5.84-3.68-2.44
Free Cash Flow54.0762.3038.5439.0835.6029.9033.7932.8628.3432.99
Cash & Equivalents11310399.2071.2860.1258.1559.6960.4457.5839.06
Total Debt315509485371332335337180151104
Net Cash / Debt-202-406-386-299-272-277-277-119-93.12-64.82
Book Value439396381320294280255254237212
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Financial Institutions, Inc.
Country United States
Employees 700
CEO Martin Kearney Birmingham

Stock Information

Ticker Symbol FISI
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: FISI
IPO Date June 25, 1999


Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. 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. 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, 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 comprising 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. The company operates a network of 53 offices in the New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.