Financial Institutions, Inc. (FISI)
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% |
Analyst Summary
Analyst Consensus: Overweight
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 162 | 150 | 134 | 129 | 118 | 111 | 107 | 106 | 98.01 | 91.56 |
| Revenue Growth | 7.87% | 12.26% | 4.02% | 8.91% | 6.23% | 3.71% | 1.11% | 8.32% | 7.05% | - |
| Gross Profit | 162 | 150 | 134 | 129 | 118 | 111 | 107 | 106 | 98.01 | 91.56 |
| Operating Income | 59.42 | 49.53 | 43.47 | 44.14 | 38.88 | 38.98 | 37.91 | 34.77 | 35.30 | 30.64 |
| Net Income | 48.86 | 39.53 | 33.53 | 31.93 | 28.34 | 29.36 | 25.53 | 23.45 | 22.80 | 21.29 |
| Shares Outstanding | 15.97 | 15.91 | 15.04 | 14.44 | 14.08 | 13.89 | 13.74 | 13.70 | 13.07 | 10.77 |
| Earnings Per Share | 2.96 | 2.39 | 2.13 | 2.10 | 1.90 | 2.00 | 1.75 | 1.60 | 1.49 | 1.61 |
| EPS Growth | 23.85% | 12.21% | 1.43% | 10.53% | -5% | 14.29% | 9.38% | 7.38% | -7.45% | - |
| Dividend Per Share | 1.00 | 1.20 | 0.85 | 0.81 | 0.80 | 0.77 | 0.74 | 0.57 | 0.47 | 0.40 |
| Dividend Growth | -16.67% | 41.18% | 4.94% | 1.25% | 3.9% | 4.05% | 29.82% | 21.28% | 17.5% | - |
| Operating Cash Flow | 57.71 | 65.14 | 46.28 | 46.69 | 43.09 | 35.23 | 37.20 | 38.70 | 32.02 | 35.43 |
| Capital Expenditures | -3.64 | -2.84 | -7.74 | -7.62 | -7.49 | -5.33 | -3.41 | -5.84 | -3.68 | -2.44 |
| Free Cash Flow | 54.07 | 62.30 | 38.54 | 39.08 | 35.60 | 29.90 | 33.79 | 32.86 | 28.34 | 32.99 |
| Cash & Equivalents | 113 | 103 | 99.20 | 71.28 | 60.12 | 58.15 | 59.69 | 60.44 | 57.58 | 39.06 |
| Total Debt | 315 | 509 | 485 | 371 | 332 | 335 | 337 | 180 | 151 | 104 |
| Net Cash / Debt | -202 | -406 | -386 | -299 | -272 | -277 | -277 | -119 | -93.12 | -64.82 |
| Assets | 4,384 | 4,312 | 4,105 | 3,710 | 3,381 | 3,090 | 2,929 | 2,764 | 2,336 | 2,214 |
| Liabilities | 3,945 | 3,915 | 3,724 | 3,390 | 3,087 | 2,810 | 2,674 | 2,510 | 2,099 | 2,002 |
| Book Value | 439 | 396 | 381 | 320 | 294 | 280 | 255 | 254 | 237 | 212 |
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 |
Description
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.