image
Financial Services - Banks - Regional - NASDAQ - US
$ 26.97
1.31 %
$ 525 M
Market Cap
8.51
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one FISI stock under the worst case scenario is HIDDEN Compared to the current market price of 27 USD, Financial Institutions, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one FISI stock under the base case scenario is HIDDEN Compared to the current market price of 27 USD, Financial Institutions, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one FISI stock under the best case scenario is HIDDEN Compared to the current market price of 27 USD, Financial Institutions, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
200 M REVENUE
-5.68%
61.4 M OPERATING INCOME
-42.54%
50.3 M NET INCOME
-11.15%
10.9 M OPERATING CASH FLOW
-91.84%
-310 M INVESTING CASH FLOW
4.63%
293 M FINANCING CASH FLOW
20.68%
49.7 M REVENUE
-51.07%
0 OPERATING INCOME
0.00%
13.5 M NET INCOME
-47.46%
2.15 M OPERATING CASH FLOW
-94.22%
79.8 M INVESTING CASH FLOW
11.50%
21.3 M FINANCING CASH FLOW
110.66%
Balance Sheet Financial Institutions, Inc.
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Current Assets 124 M
Cash & Short-Term Investments 124 M
Receivables 0
Other Current Assets 0
Non-Current Assets 6.03 B
Long-Term Investments 1.1 B
PP&E 71.4 M
Other Non-Current Assets 4.85 B
Current Liabilities 3.24 B
Accounts Payable 19.4 M
Short-Term Debt 185 M
Other Current Liabilities 3.04 B
Non-Current Liabilities 5.52 B
Long-Term Debt 158 M
Other Non-Current Liabilities 5.36 B
EFFICIENCY
Earnings Waterfall Financial Institutions, Inc.
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Revenue 200 M
Cost Of Revenue 0
Gross Profit 200 M
Operating Expenses 212 M
Operating Income 61.4 M
Other Expenses 11.1 M
Net Income 50.3 M
RATIOS
100.00% GROSS MARGIN
100.00%
30.65% OPERATING MARGIN
30.65%
25.10% NET MARGIN
25.10%
11.05% ROE
11.05%
0.82% ROA
0.82%
6.40% ROIC
6.40%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Financial Institutions, Inc.
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Net Income 50.3 M
Depreciation & Amortization 8.09 M
Capital Expenditures -2.99 M
Stock-Based Compensation 1.67 M
Change in Working Capital -55.7 M
Others -47.8 M
Free Cash Flow 7.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Financial Institutions, Inc.
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Wall Street analysts predict an average 1-year price target for FISI of $24.8 , with forecasts ranging from a low of $19 to a high of $33 .
FISI Lowest Price Target Wall Street Target
19 USD -29.55%
FISI Average Price Target Wall Street Target
24.8 USD -8.05%
FISI Highest Price Target Wall Street Target
33 USD 22.36%
4. DIVIDEND ANALYSIS
1.27% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Financial Institutions, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
835 K USD 15
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 month ago
Dec 13, 2024
Bought 100 K USD
Latella Robert N
Director
+ 4000
25 USD
1 month ago
Dec 13, 2024
Bought 10 K USD
Quinn Kevin B
Chief Comm Banking Officer
+ 400
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
Collins Laurie R
Chief Human Resources Officer
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 20 K USD
BYERS SANDRA L
other: Principal Accounting Officer
+ 800
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
Zupan Mark
Director
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 100 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 4000
25 USD
1 month ago
Dec 13, 2024
Bought 70 K USD
Plants William Jack II
Chief Financial Officer
+ 2800
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
HOLLIDAY SUSAN R
Director
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
PACOS GARY A.
Chief Risk Officer
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 100 K USD
GULLO SAMUEL M
Director
+ 4000
25 USD
1 month ago
Dec 13, 2024
Bought 15 K USD
VanGelder Kim E
Director
+ 600
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
DORN ANDREW W JR
Director
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 20 K USD
BOSWELL DONALD
Director
+ 800
25 USD
1 month ago
Dec 13, 2024
Bought 50 K USD
Burruano Samuel J Jr
Chief Legal Officer
+ 2000
25 USD
1 month ago
Dec 13, 2024
Bought 100 K USD
Glaser Robert M
Director
+ 4000
25 USD
1 year ago
May 18, 2023
Bought 14.9 K USD
BOSWELL DONALD
Director
+ 890
16.74 USD
1 year ago
May 11, 2023
Bought 7.82 K USD
HOLLIDAY SUSAN R
Director
+ 500
15.65 USD
1 year ago
May 11, 2023
Bought 7.88 K USD
HOLLIDAY SUSAN R
Director
+ 500
15.75 USD
1 year ago
May 08, 2023
Bought 31.9 K USD
GULLO SAMUEL M
Director
+ 2000
15.94 USD
1 year ago
May 04, 2023
Bought 21.8 K USD
Glaser Robert M
Director
+ 1500
14.56 USD
1 year ago
May 04, 2023
Bought 151 K USD
Latella Robert N
Director
+ 10000
15.06 USD
1 year ago
May 03, 2023
Bought 24.4 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1500
16.25 USD
1 year ago
May 03, 2023
Bought 16.2 K USD
DORN ANDREW W JR
Director
+ 1000
16.21 USD
1 year ago
May 03, 2023
Bought 4.84 K USD
Plants William Jack II
Chief Financial Officer
+ 300
16.15 USD
1 year ago
May 03, 2023
Bought 4.85 K USD
Plants William Jack II
Chief Financial Officer
+ 300
16.17 USD
1 year ago
May 03, 2023
Bought 14.6 K USD
Plants William Jack II
Chief Financial Officer
+ 900
16.18 USD
1 year ago
May 03, 2023
Bought 15.8 K USD
Burruano Samuel J Jr
Executive Vice President
+ 1000
15.82 USD
1 year ago
Mar 01, 2023
Bought 19.8 K USD
Collins Laurie R
Senior Vice President
+ 800
24.75 USD
1 year ago
Feb 08, 2023
Bought 12.4 K USD
Burruano Samuel J Jr
Executive Vice President
+ 500
24.7 USD
2 years ago
Nov 04, 2022
Bought 23.4 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1000
23.43 USD
3 years ago
Sep 14, 2021
Bought 14.7 K USD
Burruano Samuel J Jr
Executive Vice President
+ 500
29.45 USD
3 years ago
Sep 03, 2021
Bought 30.9 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1000
30.94 USD
4 years ago
May 06, 2020
Bought 7.95 K USD
DUGAN JOSEPH L
Senior Vice President
+ 500
15.9 USD
4 years ago
May 05, 2020
Bought 48.1 K USD
DUGAN JOSEPH L
Senior Vice President
+ 2500
19.23 USD
4 years ago
May 05, 2020
Bought 29.3 K USD
Burruano Samuel J Jr
Senior Vice President
+ 1500
19.56 USD
4 years ago
May 05, 2020
Bought 94.1 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 5000
18.83 USD
4 years ago
May 05, 2020
Bought 27.6 K USD
Bigham Justin K.
Executive Vice President
+ 1500
18.41 USD
4 years ago
Mar 10, 2020
Bought 53.8 K USD
GULLO SAMUEL M
Director
+ 2500
21.5 USD
5 years ago
May 02, 2019
Bought 302 K USD
DUGAN JOSEPH L
Senior Vice President
+ 10600
28.45 USD
5 years ago
May 03, 2019
Bought 28.3 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1000
28.33 USD
6 years ago
Oct 31, 2018
Bought 9.85 K USD
DUGAN JOSEPH L
Senior Vice President
+ 345
28.55 USD
6 years ago
Oct 30, 2018
Bought 56.9 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 2000
28.44 USD
6 years ago
Aug 21, 2018
Bought 47.9 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1500
31.95 USD
6 years ago
Aug 01, 2018
Bought 15.8 K USD
Burneal Michael D
Senior Vice President
+ 500
31.7 USD
7 years ago
Dec 08, 2017
Bought 9.47 K USD
Dolan Paula Dollinger
Senior Vice President
+ 290
32.65 USD
7 years ago
Dec 07, 2017
Bought 9.93 K USD
Dolan Paula Dollinger
Senior Vice President
+ 300
33.1 USD
7 years ago
Nov 29, 2017
Bought 12 K USD
BOSWELL DONALD
Director
+ 359
33.4 USD
7 years ago
Nov 22, 2017
Bought 16.2 K USD
KREIENBERG WILLIAM L
Executive Vice President
+ 500
32.33 USD
7 years ago
Nov 21, 2017
Bought 29.9 K USD
DUGAN JOSEPH L
Senior Vice President
+ 930
32.15 USD
7 years ago
Nov 21, 2017
Bought 16 K USD
KLOTZBACH KEVIN B
EVP & Chief Financial Officer
+ 500
32.04 USD
7 years ago
Nov 20, 2017
Bought 31.6 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 1000
31.65 USD
7 years ago
Nov 20, 2017
Bought 17.6 K USD
Burneal Michael D
Senior Vice President
+ 560
31.49 USD
7 years ago
Nov 20, 2017
Bought 2.21 K USD
Burneal Michael D
Senior Vice President
+ 70
31.55 USD
7 years ago
Mar 06, 2017
Sell 39.7 K USD
ANDERSON KARL VALENTINE JR
Director
- 1155
34.4097 USD
7 years ago
Mar 06, 2017
Sell 170 USD
ANDERSON KARL VALENTINE JR
Director
- 5
34.06 USD
7 years ago
Jan 30, 2017
Sell 28.3 K USD
BENJAMIN JOHN E
Director
- 838
33.825 USD
7 years ago
Jan 30, 2017
Sell 25.8 K USD
BENJAMIN JOHN E
Director
- 762
33.85 USD
7 years ago
Jan 30, 2017
Sell 3.39 K USD
BENJAMIN JOHN E
Director
- 100
33.875 USD
8 years ago
Aug 24, 2016
Bought 24.3 K USD
KLOTZBACH KEVIN B
EVP & Chief Financial Officer
+ 900
27.04 USD
8 years ago
Aug 17, 2016
Bought 79.3 K USD
KREIENBERG WILLIAM L
EVP, CAO, Gen'l Counsel & CRO
+ 3000
26.43 USD
8 years ago
Aug 17, 2016
Bought 133 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 5000
26.64 USD
8 years ago
Jun 13, 2016
Sell 44 K USD
Kenefick Jeffrey Patrick
Executive Vice President
- 1596
27.55 USD
8 years ago
Jun 10, 2016
Sell 68.8 K USD
Kenefick Jeffrey Patrick
Executive Vice President
- 2500
27.5 USD
8 years ago
Apr 29, 2016
Sell 40.1 K USD
ANDERSON KARL VALENTINE JR
Director
- 1410
28.4389 USD
8 years ago
Feb 11, 2016
Bought 118 K USD
Dolan Paula Dollinger
Senior Vice President
+ 4500
26.18 USD
8 years ago
Feb 02, 2016
Bought 247 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 9254
26.64 USD
8 years ago
Feb 01, 2016
Sell 42.1 K USD
BENJAMIN JOHN E
Director
- 1550
27.135 USD
9 years ago
Nov 04, 2015
Bought 53.2 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 2000
26.585 USD
9 years ago
Jun 09, 2015
Bought 59.5 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 2500
23.8 USD
9 years ago
Jun 01, 2015
Bought 11.5 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 500
23.01 USD
9 years ago
May 27, 2015
Bought 42.2 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 1800
23.42 USD
9 years ago
May 26, 2015
Bought 4.6 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 200
23.02 USD
9 years ago
May 21, 2015
Bought 47.3 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 2000
23.63 USD
9 years ago
May 18, 2015
Bought 47 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 2000
23.5 USD
9 years ago
May 13, 2015
Bought 23.2 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 1000
23.24 USD
9 years ago
Mar 10, 2015
Bought 15.8 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 700
22.6 USD
9 years ago
Mar 02, 2015
Bought 6.82 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 303
22.5 USD
9 years ago
Mar 02, 2015
Bought 91 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 4000
22.7592 USD
9 years ago
Feb 23, 2015
Bought 22.5 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 1000
22.5 USD
9 years ago
Feb 11, 2015
Bought 22.4 K USD
KREIENBERG WILLIAM L
EVP, General Counsel & CRO
+ 1000
22.4 USD
9 years ago
Feb 09, 2015
Bought 45.4 K USD
KREIENBERG WILLIAM L
General Counsel & CRO
+ 2000
22.7 USD
9 years ago
Feb 06, 2015
Sell 1.18 K USD
BENJAMIN JOHN E
Director
- 51
23.05 USD
9 years ago
Feb 06, 2015
Sell 26.4 K USD
BENJAMIN JOHN E
Director
- 1149
23 USD
10 years ago
Nov 04, 2014
Sell 44 K USD
HARRISON RICHARD J
Executive Vice President
- 1773
24.82 USD
10 years ago
Oct 30, 2014
Sell 102 K USD
GROVER MICHAEL DAVID
Chief Accounting Officer
- 4172
24.5 USD
10 years ago
Jul 28, 2014
Bought 113 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 5000
22.51 USD
10 years ago
Jul 28, 2014
Bought 22.5 K USD
Dolan Paula Dollinger
Senior Vice President
+ 1000
22.498 USD
10 years ago
Jul 28, 2014
Bought 22.5 K USD
Dolan Paula Dollinger
Senior Vice President
+ 1000
22.47 USD
10 years ago
Feb 05, 2014
Bought 39 K USD
Kenefick Jeffrey Patrick
Executive Vice President
+ 1900
20.5 USD
10 years ago
Feb 05, 2014
Bought 2.36 K USD
Kenefick Jeffrey Patrick
Executive Vice President
+ 115
20.5 USD
10 years ago
Feb 05, 2014
Bought 11.7 K USD
Kenefick Jeffrey Patrick
Executive Vice President
+ 570
20.5489 USD
10 years ago
Feb 05, 2014
Bought 20.7 K USD
KLOTZBACH KEVIN B
EVP & Chief Financial Officer
+ 1000
20.691 USD
10 years ago
Feb 03, 2014
Bought 102 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 5000
20.42 USD
11 years ago
Nov 27, 2013
Sell 30.9 K USD
DAMBRA BARTON P
Director
- 1200
25.73 USD
11 years ago
Aug 08, 2013
Bought 108 K USD
BIRMINGHAM MARTIN KEARNEY
President & CEO
+ 5000
21.6493 USD
12 years ago
Sep 05, 2012
Bought 17.8 K USD
KREBS KARL FRANCIS
EVP & Chief Financial Officer
+ 1000
17.79 USD
12 years ago
Feb 14, 2012
Sell 21.9 K USD
WITKOWSKI JOHN JOSEPH
Executive Vice President
- 1250
17.51 USD
12 years ago
Feb 14, 2012
Bought 30.3 K USD
KREBS KARL FRANCIS
EVP & Chief Financial Officer
+ 1725
17.54 USD
13 years ago
Dec 20, 2011
Sell 35.4 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 2146
16.5 USD
13 years ago
Dec 05, 2011
Sell 44.6 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 2706
16.5 USD
13 years ago
Dec 02, 2011
Sell 24.7 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 1494
16.5 USD
13 years ago
Aug 16, 2011
Bought 15.1 K USD
BIRMINGHAM MARTIN KEARNEY
Executive Vice President
+ 1000
15.148 USD
14 years ago
Dec 06, 2010
Sell 26.9 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 1444
18.6 USD
14 years ago
Nov 10, 2010
Sell 18.2 K USD
WITKOWSKI JOHN JOSEPH
Executive Vice President
- 1000
18.21 USD
14 years ago
Nov 15, 2010
Sell 18.9 K USD
MCLAUGHLIN RONALD MITCHELL
Executive Vice President
- 1067
17.74 USD
14 years ago
Nov 10, 2010
Sell 10.4 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 556
18.75 USD
14 years ago
Aug 04, 2010
Sell 19.5 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 1000
19.5 USD
14 years ago
Aug 03, 2010
Sell 19 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 1000
19.01 USD
14 years ago
Aug 03, 2010
Sell 19.5 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 1000
19.47 USD
14 years ago
May 26, 2010
Sell 10 K USD
BIRMINGHAM MARTIN KEARNEY
Executive Vice President
- 561
17.82 USD
14 years ago
May 26, 2010
Sell 15.5 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 860
18.03 USD
14 years ago
May 25, 2010
Sell 114 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
- 6320
18.06 USD
14 years ago
Apr 19, 2010
Sell 15.3 K USD
MCLAUGHLIN RONALD MITCHELL
Executive Vice President
- 996
15.358 USD
15 years ago
Feb 26, 2009
Bought 7.74 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 2000
3.87 USD
15 years ago
Feb 26, 2009
Bought 18 K USD
KAILBOURNE ERLAND E
Director
+ 5000
3.6 USD
15 years ago
Feb 26, 2009
Bought 10.9 K USD
KLOTZBACH KEVIN B
Senior VP & Treasurer
+ 2900
3.75 USD
15 years ago
Feb 25, 2009
Bought 375 USD
KLOTZBACH KEVIN B
Senior VP & Treasurer
+ 100
3.75 USD
15 years ago
Feb 25, 2009
Bought 8.08 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 2000
4.04 USD
15 years ago
Feb 24, 2009
Bought 4.1 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1000
4.1 USD
15 years ago
Feb 25, 2009
Bought 1.98 K USD
TYLER JOHN R JR
Director
+ 500
3.96 USD
15 years ago
Feb 24, 2009
Bought 16.5 K USD
ROBINSON JAMES LEON
Director
+ 4000
4.13 USD
15 years ago
Feb 24, 2009
Bought 5.97 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 1450
4.12 USD
15 years ago
Feb 24, 2009
Bought 24 K USD
KAILBOURNE ERLAND E
Director
+ 5000
4.79 USD
15 years ago
Feb 20, 2009
Bought 5 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1000
5 USD
15 years ago
Feb 20, 2009
Bought 27.2 K USD
KAILBOURNE ERLAND E
Director
+ 5000
5.45 USD
15 years ago
Feb 19, 2009
Bought 11 K USD
DAMBRA BARTON P
Director
+ 2000
5.52 USD
15 years ago
Feb 18, 2009
Bought 5.69 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 987
5.77 USD
15 years ago
Feb 17, 2009
Bought 5.64 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 1013
5.57 USD
15 years ago
Feb 13, 2009
Bought 7.03 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1000
7.03 USD
15 years ago
Feb 06, 2009
Bought 7.78 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1000
7.78 USD
15 years ago
Feb 06, 2009
Bought 11.8 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 1523
7.77 USD
15 years ago
Feb 02, 2009
Bought 876 USD
RUDGERS JAMES TRACY
EVP & Chief of Comm. Banking
+ 100
8.76 USD
15 years ago
Feb 02, 2009
Bought 8.62 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1000
8.62 USD
17 years ago
Nov 16, 2007
Bought 7.82 K USD
ROBINSON JAMES LEON
Director
+ 440
17.77 USD
17 years ago
Nov 09, 2007
Bought 1.75 K USD
KAILBOURNE ERLAND E
Director
+ 100
17.5 USD
17 years ago
Nov 09, 2007
Bought 1.76 K USD
KAILBOURNE ERLAND E
Director
+ 100
17.6 USD
17 years ago
Nov 09, 2007
Bought 1.76 K USD
KAILBOURNE ERLAND E
Director
+ 100
17.59 USD
17 years ago
Nov 09, 2007
Bought 11.4 K USD
KAILBOURNE ERLAND E
Director
+ 651
17.57 USD
17 years ago
Nov 09, 2007
Bought 1.75 K USD
KAILBOURNE ERLAND E
Director
+ 100
17.49 USD
17 years ago
Nov 09, 2007
Bought 8.75 K USD
KAILBOURNE ERLAND E
Director
+ 500
17.5 USD
17 years ago
Nov 09, 2007
Bought 6.99 K USD
KAILBOURNE ERLAND E
Director
+ 400
17.48 USD
17 years ago
Nov 12, 2007
Bought 35 K USD
Latella Robert N
Director
+ 2000
17.5 USD
17 years ago
Aug 09, 2007
Bought 16.7 K USD
RUDGERS JAMES TRACY
EVP & Chief of Comm. Banking
+ 1000
16.72 USD
17 years ago
Aug 10, 2007
Bought 8.36 K USD
KLOTZBACH KEVIN B
Senior VP & Treasurer
+ 500
16.71 USD
17 years ago
Aug 10, 2007
Bought 16.7 K USD
MILLER RONALD A
EVP & Chief Financial Officer
+ 1000
16.67 USD
17 years ago
Aug 09, 2007
Bought 20 K USD
HUMPHREY PETER G
Pres & Chief Executive Officer
+ 1180
16.93 USD
18 years ago
May 12, 2006
Bought 24.9 K USD
HAGI GEORGE DANIEL
Chief Risk Officer
+ 1350
18.45 USD
19 years ago
Nov 08, 2005
Bought 24.8 K USD
RUDGERS JAMES TRACY
Sr Vice President
+ 1250
19.86 USD
19 years ago
Oct 26, 2005
Bought 80.9 K USD
BIRMINGHAM MARTIN KEARNEY
Senior Vice President
+ 4500
17.97 USD
20 years ago
Jan 07, 2005
Sell 23.3 K USD
WYCKOFF JAMES H
Director
- 1000
23.34 USD
20 years ago
Jan 13, 2005
Sell 23.7 K USD
WYCKOFF JAMES H
Director
- 1000
23.7223 USD
20 years ago
Jan 20, 2005
Sell 23.8 K USD
WYCKOFF JAMES H
Director
- 1000
23.79 USD
20 years ago
Nov 30, 2004
Sell 47.9 K USD
BURKE PATRICK C
Senior Vice President
- 1900
25.1868 USD
20 years ago
Nov 30, 2004
Sell 2.52 K USD
BURKE PATRICK C
Senior Vice President
- 100
25.1994 USD
20 years ago
Nov 30, 2004
Sell 62.4 K USD
COOPER JON J
Sr Vice President
- 2471
25.27 USD
20 years ago
Nov 29, 2004
Sell 66.9 K USD
COOPER JON J
Sr Vice President
- 2649
25.27 USD
20 years ago
Nov 29, 2004
Sell 248 K USD
MCCABE DOUGLAS L
Sr Vice President
- 10000
24.7903 USD
20 years ago
Nov 26, 2004
Sell 125 K USD
MCCABE DOUGLAS L
Sr Vice President
- 5000
24.9248 USD
20 years ago
Nov 24, 2004
Sell 101 K USD
COOPER JON J
Sr Vice President
- 4000
25.3019 USD
20 years ago
Nov 23, 2004
Sell 88.6 K USD
COOPER JON J
Sr Vice President
- 3500
25.3057 USD
20 years ago
Nov 22, 2004
Sell 7.36 K USD
COOPER JON J
Sr Vice President
- 291
25.28 USD
20 years ago
Nov 22, 2004
Sell 296 K USD
MCCABE DOUGLAS L
Sr Vice President
- 12000
24.6826 USD
20 years ago
Nov 18, 2004
Sell 3.82 K USD
COOPER JON J
Sr Vice President
- 151
25.293 USD
20 years ago
Nov 17, 2004
Sell 54.1 K USD
COOPER JON J
Sr Vice President
- 2134
25.354 USD
20 years ago
Nov 12, 2004
Sell 249 K USD
COOPER JON J
Sr Vice President
- 9804
25.3746 USD
20 years ago
Nov 03, 2004
Sell 31.1 K USD
MCCABE DOUGLAS L
Sr Vice President
- 1219
25.53 USD
20 years ago
Jun 10, 2004
Bought 17.9 K USD
BENJAMIN JOHN E
Director
+ 750
23.88 USD
20 years ago
Jan 27, 2004
Sell 35.3 K USD
HURLEY JOSEPH F
Director
- 1339
26.4 USD
20 years ago
Jul 16, 2004
Sell 80.3 K USD
HURLEY JOSEPH F
Director
- 3804
21.11 USD
20 years ago
Feb 24, 2004
Bought 11.5 K USD
HURLEY JOSEPH F
Director
+ 500
23.05 USD
7. News
Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2024 Earnings Release and Conference Call WARSAW, N.Y., Jan. 02, 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 fourth quarter and full year ending December 31, 2024 after the market closes on January 30, 2025. globenewswire.com - 2 weeks ago
Are Investors Undervaluing Financial Institutions (FISI) Right Now? 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. zacks.com - 3 weeks ago
What Makes Financial Institutions (FISI) a Strong Momentum Stock: Buy Now? Does Financial Institutions (FISI) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 1 month ago
Financial Institutions, Inc. Announces Pricing of Common Stock Offering WARSAW, N.Y., Dec. 11, 2024 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (Nasdaq: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, today announced the pricing of its previously announced underwritten public offering of 4,000,000 shares of its common stock at a public offering price of $25.00 per share. The expected proceeds to the Company, after deducting underwriting discounts and commissions but before deducting operating expenses payable by the Company, are approximately $95.0 million. In addition, the Company has granted the underwriters a 30-day option to purchase up to an additional 600,000 shares of Company common stock at the public offering price, less underwriting discounts, and commissions. globenewswire.com - 1 month ago
Financial Institutions, Inc. Announces Launch of Common Stock Offering WARSAW, N.Y., Dec. 11, 2024 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (Nasdaq: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced today that it has launched an underwritten public offering of shares of its common stock. The Company intends to grant the underwriters a 30-day option to purchase additional shares of its common stock. globenewswire.com - 1 month ago
Is Financial Institutions (FISI) Stock Undervalued Right Now? 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. zacks.com - 1 month ago
Financial Institutions, Inc. Announces Quarterly Cash Dividend WARSAW, N.Y., Nov. 20, 2024 (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 $0.30 per outstanding common share. globenewswire.com - 1 month ago
Christopher Campise Named Chief Information Officer of Five Star Bank Mr. Campise brings more than 25 years of technology leadership experience to the growing community bank Mr. Campise brings more than 25 years of technology leadership experience to the growing community bank globenewswire.com - 2 months ago
Financial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally Loan growth will likely remain subdued as rate cuts will lift demand, but lackluster economic activity will dampen the demand for credit products. A large chunk of low-yielding loans and securities are scheduled to mature soon. Reinvestment will lift the margin. Financial Institutions is offering a dividend yield of 4.9% with an implied payout ratio of only 37%. seekingalpha.com - 2 months ago
Financial Institutions, Inc. (FISI) Q3 2024 Earnings Call Transcript Financial Institutions, Inc. (NASDAQ:FISI ) Q3 2024 Results Conference Call October 25, 2024 8:30 AM ET Company Participants Kate Croft - Director of IR Martin Birmingham - President and CEO Jack Plants - CFO Conference Call Participants Damon DelMonte - KBW David Mirochnick - Stephens Operator Thank you for standing by, Ladies and gentlemen. Welcome to the Financial Institutions, Inc. Third Quarter 2024 Earnings Call. seekingalpha.com - 2 months ago
Financial Institutions, Inc. Announces Third Quarter 2024 Financial Results WARSAW, N.Y., Oct. 24, 2024 (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 third quarter ended September 30, 2024. globenewswire.com - 2 months ago
Financial Institutions (FISI) Upgraded to Buy: Here's What You Should Know Financial Institutions (FISI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 3 months ago
8. Profile Summary

Financial Institutions, Inc. FISI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 525 M
Dividend Yield 1.27%
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.
Contact 220 Liberty Street, Warsaw, NY, 14569 https://www.fiiwarsaw.com
IPO Date June 25, 1999
Employees 624
Officers Mr. Craig J. Burton Senior Vice President, Commercial Real Estate Executive & Finger Lakes/Southern Tier NY Regional President Mr. Samuel J. Burruano Jr. Executive Vice President, Chief Legal Officer & Corporate Secretary Mr. Kevin B. Quinn Senior Vice President & Chief Commercial Banking Officer Mr. Martin K. Birmingham President, Chief Executive Officer & Director Ms. Laurie R. Collins Senior Vice President & Chief Human Resources Officer Ms. Kate Croft Director of Investor & External Relations Mr. William Jack Plants II Executive Vice President, Chief Financial Officer & Treasurer Ms. Blake G. Jones Senior Vice President & Chief Marketing Officer Ms. Sandra L. Byers Senior Vice President, Controller & Principal Accounting Officer Mr. Michael David Grover CPA Senior Vice President, Director of Financial Planning & Analysis and Tax