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    Financial Institutions, Inc. (FISI)

    Price:

    26.25 USD

    ( - -0.84 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    FISI
    Name
    Financial Institutions, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    26.250
    Market Cap
    528.403M
    Enterprise value
    597.273M
    Currency
    USD
    Ceo
    Martin K. Birmingham
    Full Time Employees
    598
    Ipo Date
    1999-06-25
    City
    Warsaw
    Address
    220 Liberty Street

    Check the

    KEY TAKEAWAYS

    ASK OUR AI ABOUT THE COMPANY (REGISTER FOR EARLY ACCESS)
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    SIMILAR COMPANIES STI SCORE

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    Inter & Co, Inc.

    VALUE SCORE:

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    Symbol
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    Market Cap
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    Industry
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    Market Cap
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    The best

    Bank OZK

    VALUE SCORE:

    15

    Symbol
    OZK
    Market Cap
    5.542B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    -15.083
    P/S
    2.055
    P/B
    0.463
    Debt/Equity
    0.080
    EV/FCF
    18.665
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    2.046
    Earnings yield
    -0.066
    Debt/assets
    0.016
    FUNDAMENTALS
    Net debt/ebidta
    0.047
    Interest coverage
    -0.416
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.011
    Capex to operating cash flow
    0.157
    Capex to revenue
    0.020
    Capex to depreciation
    0.692
    Return on tangible assets
    -0.006
    Debt to market cap
    0.172
    Piotroski Score
    5.000
    FUNDAMENTALS
    PEG
    0.336
    P/CF
    15.756
    P/FCF
    18.750
    RoA %
    -0.618
    RoIC %
    -3.083
    Gross Profit Margin %
    38.881
    Quick Ratio
    11.900
    Current Ratio
    11.900
    Net Profit Margin %
    -13.586
    Net-Net
    -173.603
    FUNDAMENTALS PER SHARE
    FCF per share
    1.404
    Revenue per share
    12.810
    Net income per share
    -1.740
    Operating cash flow per share
    1.666
    Free cash flow per share
    1.404
    Cash per share
    50.276
    Book value per share
    56.728
    Tangible book value per share
    53.706
    Shareholders equity per share
    56.728
    Interest debt per share
    11.572
    TECHNICAL
    52 weeks high
    29.790
    52 weeks low
    20.970
    Current trading session High
    27.525
    Current trading session Low
    26.250
    DIVIDEND
    Dividend yield
    4.69%
    Payout ratio
    -65.8%
    Years of div. Increase
    9.000
    Years of div.
    27.000
    Q-shift
    1.000
    Dividend per share
    1.230
    SIMILAR COMPANIES
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    Country
    US
    Sector
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    Industry
    Banks - Regional
    Dividend yield
    0.02418136%
    Payout Ratio
    34.512404000000004%
    P/E
    14.274
    logo

    Country
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    Sector
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    Industry
    Banks - Regional
    Dividend yield
    0.018296402%
    Payout Ratio
    37.409338%
    P/E
    20.954
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    Country
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    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.10159607%
    Payout Ratio
    120.8409%
    P/E
    11.888
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.023040604%
    Payout Ratio
    26.522343999999997%
    P/E
    11.745
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.06562267%
    Payout Ratio
    -78.261715%
    P/E
    -12.880
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.06063123%
    Payout Ratio
    53.115725999999995%
    P/E
    8.878
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.015549077%
    Payout Ratio
    29.332079999999998%
    P/E
    24.812
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.042979944%
    Payout Ratio
    29.746850000000002%
    P/E
    6.929
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.047882136%
    Payout Ratio
    60.81883%
    P/E
    12.390
    DESCRIPTION

    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. 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 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 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

    NEWS
    https://images.financialmodelingprep.com/news/financial-institutions-inc-schedules-third-quarter-2025-earnings-release-20251001.jpg
    Financial Institutions, Inc. Schedules Third Quarter 2025 Earnings Release and Conference Call

    globenewswire.com

    2025-10-01 09:00:00

    WARSAW, N.Y., Oct. 01, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank and Courier Capital, LLC, will release results for the third quarter ending September 30, 2025 after the market closes on October 23, 2025.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-announces-new-share-repurchase-program-20250922.jpeg
    Financial Institutions, Inc. Announces New Share Repurchase Program

    globenewswire.com

    2025-09-22 16:05:00

    WARSAW, N.Y., Sept. 22, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank and Courier Capital, LLC, today announced that its Board of Directors (the “Board”) has approved a new share repurchase program for up to 1,006,379 shares of its common stock, or approximately 5% of the Company's outstanding common shares.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-announces-quarterly-cash-dividend-20250825.jpg
    Financial Institutions, Inc. Announces Quarterly Cash Dividend

    globenewswire.com

    2025-08-25 16:05:00

    WARSAW, N.Y., Aug. 25, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (Nasdaq: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced today that its Board of Directors has approved a quarterly cash dividend of $0.31 per outstanding common share.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-fisi-q2-2025-earnings-call-transcript-20250725.jpg
    Financial Institutions, Inc. (FISI) Q2 2025 Earnings Call Transcript

    seekingalpha.com

    2025-07-25 10:43:00

    Financial Institutions, Inc. (NASDAQ:FISI ) Q2 2025 Earnings Conference Call July 25, 2025 8:30 AM ET Company Participants Kate Croft - Director of Investor & External Relations Martin K. Birmingham - President, CEO & Director William Jack Plants - Executive VP, CFO & Treasurer Conference Call Participants Damon Paul DelMonte - Keefe, Bruyette, & Woods, Inc., Research Division Operator Hello, everyone, and thank you for joining the Financial Institutions, Inc. Second Quarter 2025 Earnings Call.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-announces-quarterly-cash-dividend-20250528.jpg
    Financial Institutions, Inc. Announces Quarterly Cash Dividend

    globenewswire.com

    2025-05-28 16:05:00

    WARSAW, N.Y., May 28, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (Nasdaq: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced today that its Board of Directors has approved a quarterly cash dividend of $0.31 per outstanding common share.

    https://images.financialmodelingprep.com/news/financial-institutions-the-picture-looks-better-now-rating-upgrade-20250518.jpg
    Financial Institutions: The Picture Looks Better Now (Rating Upgrade)

    seekingalpha.com

    2025-05-18 12:00:00

    I initially downgraded Financial Institutions due to mixed financial performance and valuation concerns, but recent improvements justify upgrading it to a soft 'buy'. The company's balance sheet has strengthened, with increases in loans and deposits, and improved asset quality, despite reliance on brokered deposits. Mixed income statement results show a drop in net interest income, but net profits surged due to the absence of last year's significant deposit-related charge-off.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-fisi-q1-2025-earnings-call-transcript-20250429.jpg
    Financial Institutions, Inc. (FISI) Q1 2025 Earnings Call Transcript

    seekingalpha.com

    2025-04-29 15:14:06

    Financial Institutions, Inc. (NASDAQ:FISI ) Q1 2025 Results Conference Call April 29, 2025 9:00 AM ET Company Participants Kate Croft - Director of IR Marty Birmingham - President and CEO Jack Plants - CFO Conference Call Participants Frank Schiraldi - Piper Sandler Damon DelMonte - KBW Operator Hello, everyone, and thank you for joining the Financial Institutions, Inc. First Quarter 2025 Earnings Call. My name is Lucy, and I will be coordinating your call today.

    https://images.financialmodelingprep.com/news/financial-institutions-fisi-surpasses-q1-earnings-estimates-20250428.jpg
    Financial Institutions (FISI) Surpasses Q1 Earnings Estimates

    zacks.com

    2025-04-28 18:31:12

    Financial Institutions (FISI) came out with quarterly earnings of $0.81 per share, beating the Zacks Consensus Estimate of $0.74 per share. This compares to earnings of $0.11 per share a year ago.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-announces-first-quarter-2025-results-20250428.jpg
    Financial Institutions, Inc. Announces First Quarter 2025 Results

    globenewswire.com

    2025-04-28 16:05:00

    WARSAW, N.Y., April 28, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the "Company," "we" or "us"), parent company of Five Star Bank (the "Bank") and Courier Capital, LLC ("Courier Capital"), today reported financial and operational results for the first quarter ended March 31, 2025.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-schedules-first-quarter-2025-earnings-release-20250401.jpg
    Financial Institutions, Inc. Schedules First Quarter 2025 Earnings Release and Conference Call

    globenewswire.com

    2025-04-01 16:05:00

    WARSAW, N.Y., April 01, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank and Courier Capital, LLC, will release results for the first quarter ending March 31, 2025 after the market closes on April 28, 2025.

    https://images.financialmodelingprep.com/news/financial-institutions-inc-settles-auto-lending-litigation-20250310.jpg
    Financial Institutions, Inc. Settles Auto Lending Litigation

    globenewswire.com

    2025-03-10 16:05:00

    WARSAW, N.Y., March 10, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), parent company of Five Star Bank (the “Bank”), announced that it has settled civil litigation in connection with the Bank's auto loan notification process.

    https://images.financialmodelingprep.com/news/54-upcoming-dividend-increases-including-a-king-20250308.jpg
    54 Upcoming Dividend Increases, Including A King

    seekingalpha.com

    2025-03-08 22:30:35

    This week features the largest list of dividend increases ever, with 50 companies, including Coca-Cola extending its 63-year streak with a 5.2% increase. My strategy focuses on companies with consistent dividend growth and outperforming benchmarks, using data from the "U.S. Dividend Champions" spreadsheet and NASDAQ. I recommend the Schwab U.S. Dividend Equity ETF for broad U.S. equity exposure and the Cohen & Steers REIT & Preferred Income Fund for REITs.

    https://images.financialmodelingprep.com/news/five-star-bank-appoints-eric-marks-chief-consumer-banking-20250306.jpg
    Five Star Bank Appoints Eric Marks Chief Consumer Banking Officer

    globenewswire.com

    2025-03-06 16:05:00

    Mr. Marks brings nearly 20 years of banking experience to the more than $6-billion-asset community bank serving Western and Central New York Mr. Marks brings nearly 20 years of banking experience to the more than $6-billion-asset community bank serving Western and Central New York

    https://images.financialmodelingprep.com/news/wood-group-john-plc-holdings-in-company-20250221.png
    Wood Group (John) Plc - Holding(s) in Company

    https://www.marketscreener.com

    2025-02-21 10:40:05

    TR-1: Standard form for notification of major holdings 1. Issuer Details aAdsList.push('Article'); aAdsListSize.push([300, 250]); aAdsListCA.push(null); ISIN GB00B5N0P849 Issuer Name JOHN WOOD GROUP PLC UK or Non-UK Issuer UK 2. Reason for Notification An acquisition or disposal of financial instruments 3. Details of person subject to the notification obligation Name Barclays PLC City of registered office (if applicable) LondonCountry of registered office (if applicable) United Kingdom4. Details of the shareholder Full name of shareholder(s) if different from the person(s) subject to the notification obligation, above City of registered office (if applicable) Country of registered office (if applicable) 5. Date on which the threshold was crossed or reached 18-Feb-20256. Date on which Issuer notified 20-Feb-20257. Total positions of person(s) subject to the notification obligation .% of voting rights attached to shares (total of 8.A) % of voting rights through financial instruments (total of 8.B 1 + 8.B 2) Total of both in % (8.A + 8.B) Total number of voting rights held in issuer Resulting situation on the date on which threshold was crossed or reached Below minimum threshold Below minimum thresholdBelow minimum thresholdBelow minimum threshold Position of previous notification (if applicable) 0.000000 5.120000 5.120000 8. Notified details of the resulting situation on the date on which the threshold was crossed or reached 8A. Voting rights attached to shares Class/Type of shares ISIN code(if possible) Number of direct voting rights (DTR5.1) Number of indirect voting rights (DTR5.2.1) % of direct voting rights (DTR5.1) % of indirect voting rights (DTR5.2.1) GB00B5N0P849 Below minimum threshold Below minimum thresholdSub Total 8.A Below minimum thresholdBelow minimum threshold8B1. Financial Instruments according to (DTR5.3.1R.(1) (a)) Type of financial instrument Expiration date Exercise/conversion period Number of voting rights that may be acquired if the instrument is exercised/converted % of voting rights Sub Total 8.B1 8B2. Financial Instruments with similar economic effect according to (DTR5.3.1R.(1) (b)) Type of financial instrument Expiration date Exercise/conversion period Physical or cash settlement Number of voting rights % of voting rights Sub Total 8.B2 9. Information in relation to the person subject to the notification obligation 2. Full chain of controlled undertakings through which the voting rights and/or the financial instruments are effectively held starting with the ultimate controlling natural person or legal entities (please add additional rows as necessary) Ultimate controlling person Name of controlled undertaking % of voting rights if it equals or is higher than the notifiable threshold % of voting rights through financial instruments if it equals or is higher than the notifiable threshold Total of both if it equals or is higher than the notifiable threshold Barclays PLC Barclays Bank PLC Barclays PLC Barclays Capital Securities Limited 10. In case of proxy voting Name of the proxy holder The number and % of voting rights held The date until which the voting rights will be held 11. Additional Information Full chain of controlled undertaking:Barclays PLC Barclays Bank PLC (100%)Barclays Capital Securities Limited (100%) Trading book exemption applies. 12. Date of Completion 20-Feb-202513. Place Of Completion LondonTR-1: Standard form for notification of major holdings 1. Issuer Details ISIN GB00B5N0P849 Issuer Name JOHN WOOD GROUP PLC UK or Non-UK Issuer UK 2. Reason for Notification An acquisition or disposal of voting rights 3. Details of person subject to the notification obligation Name Barclays PLC City of registered office (if applicable) LondonCountry of registered office (if applicable) United Kingdom4. Details of the shareholder Name City of registered office Country of registered office Barclays Capital Securities Limited 5. Date on which the threshold was crossed or reached 19-Feb-20256. Date on which Issuer notified 21-Feb-20257. Total positions of person(s) subject to the notification obligation .% of voting rights attached to shares (total of 8.A) % of voting rights through financial instruments (total of 8.B 1 + 8.B 2) Total of both in % (8.A + 8.B) Total number of voting rights held in issuer Resulting situation on the date on which threshold was crossed or reached 0.520000 4.630000 5.150000 35625144 Position of previous notification (if applicable) Below minimum threshold Below minimum thresholdBelow minimum threshold 8. Notified details of the resulting situation on the date on which the threshold was crossed or reached 8A. Voting rights attached to shares Class/Type of shares ISIN code(if possible) Number of direct voting rights (DTR5.1) Number of indirect voting rights (DTR5.2.1) % of direct voting rights (DTR5.1) % of indirect voting rights (DTR5.2.1) GB00B5N0P849 3586492 0.520000 Sub Total 8.A 3586492 0.520000% 8B1. Financial Instruments according to (DTR5.3.1R.(1) (a)) Type of financial instrument Expiration date Exercise/conversion period Number of voting rights that may be acquired if the instrument is exercised/converted % of voting rights Sub Total 8.B1 8B2. Financial Instruments with similar economic effect according to (DTR5.3.1R.(1) (b)) Type of financial instrument Expiration date Exercise/conversion period Physical or cash settlement Number of voting rights % of voting rights Portfolio Swap 21/04/2025 – 22/11/2027 n/a Cash 31717593 4.580000 CFD n/a n/a Cash 207832 0.030000 Equity Swap 17/09/2026 – 25/09/2026 n/a Cash 113227 0.020000 Sub Total 8.B2 32038652 4.630000% 9. Information in relation to the person subject to the notification obligation 2. Full chain of controlled undertakings through which the voting rights and/or the financial instruments are effectively held starting with the ultimate controlling natural person or legal entities (please add additional rows as necessary) Ultimate controlling person Name of controlled undertaking % of voting rights if it equals or is higher than the notifiable threshold % of voting rights through financial instruments if it equals or is higher than the notifiable threshold Total of both if it equals or is higher than the notifiable threshold Barclays PLC Barclays Bank PLC Barclays PLC Barclays Capital Securities Limited 4.630000 5.150000% 10. In case of proxy voting Name of the proxy holder The number and % of voting rights held The date until which the voting rights will be held 11. Additional Information Full chain of controlled undertaking:Barclays PLC Barclays Bank PLC (100%)Barclays Capital Securities Limited (100%) Trading book exemption no longer applies. 12. Date of Completion 21-Feb-202513. Place Of Completion London

    https://images.financialmodelingprep.com/news/should-value-investors-buy-financial-institutions-fisi-stock-20250217.jpg
    Should Value Investors Buy Financial Institutions (FISI) Stock?

    zacks.com

    2025-02-17 10:46:19

    Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

    https://images.financialmodelingprep.com/news/new-strong-buy-stocks-for-february-13th-20250213.jpg
    New Strong Buy Stocks for February 13th

    zacks.com

    2025-02-13 05:56:08

    SYF, SSB, VCYT, DAWN and FISI have been added to the Zacks Rank #1 (Strong Buy) List on February 13, 2025.