Financial Services -
Banks - Regional - NASDAQ - US
$ 22.07
-0.226 %
$ 443 M
Market Cap
-8.03
P/E
1. INTRINSIC VALUE
Balance Sheet
Financial Institutions, Inc.
| Current Assets | 966 M |
| Cash & Short-Term Investments | 966 M |
| Receivables | 23.7 M |
| Other Current Assets | -23.7 M |
| Non-Current Assets | 101 M |
| Long-Term Investments | 0 |
| PP&E | 39.9 M |
| Other Non-Current Assets | 60.8 M |
| Current Liabilities | 125 M |
| Accounts Payable | 25.9 M |
| Short-Term Debt | 99 M |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 5.45 B |
| Long-Term Debt | 0 |
| Other Non-Current Liabilities | 5.45 B |
EFFICIENCY
Earnings Waterfall
Financial Institutions, Inc.
| Revenue | 313 M |
| Cost Of Revenue | 0 |
| Gross Profit | 313 M |
| Operating Expenses | 1.57 M |
| Operating Income | 312 M |
| Other Expenses | 353 M |
| Net Income | -41.6 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Financial Institutions, Inc.
| Net Income | -41.6 M |
| Depreciation & Amortization | 9.57 M |
| Capital Expenditures | 0 |
| Stock-Based Compensation | 1.61 M |
| Change in Working Capital | 33.7 M |
| Others | 143 M |
| Free Cash Flow | 77.1 M |
Wall Street Analysts Price Targets
Financial Institutions, Inc.
Wall Street analysts predict an average 1-year price target for FISI of $26.2 , with forecasts ranging from
a
low of
$19 to a high of $33 .
FISI Lowest Price Target
Wall Street Target
19 USD
-13.91%
FISI Average Price Target
Wall Street Target
26.2 USD
18.94%
FISI Highest Price Target
Wall Street Target
33 USD
49.52%
4. DIVIDEND
ANALYSIS
3.16%
DIVIDEND YIELD
0.31 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Financial Institutions, Inc.
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
0 USD 0
0-3 MONTHS
835 K USD 15
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Financial Institutions, Inc. Schedules First Quarter 2025 Earnings Release and Conference Call
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.
globenewswire.com
- 2 weeks ago
Financial Institutions, Inc. Settles Auto Lending Litigation
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.
globenewswire.com
- 1 month ago
54 Upcoming Dividend Increases, Including A King
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.
seekingalpha.com
- 1 month ago
Five Star Bank Appoints Eric Marks Chief Consumer Banking Officer
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
globenewswire.com
- 1 month ago
Wood Group (John) Plc - Holding(s) in Company
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://www.marketscreener.com
- 1 month ago
Should Value Investors Buy Financial Institutions (FISI) Stock?
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
- 2 months ago
New Strong Buy Stocks for February 13th
SYF, SSB, VCYT, DAWN and FISI have been added to the Zacks Rank #1 (Strong Buy) List on February 13, 2025.
zacks.com
- 2 months ago
Best Value Stocks to Buy for February 13th
SYF, FISI and SSB made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 13, 2025.
zacks.com
- 2 months ago
Best Income Stocks to Buy for February 13th
FISI, SSB and SYF made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 13, 2025.
zacks.com
- 2 months ago
Financial Institutions, Inc. (FISI) Q4 2024 Earnings Call Transcript
Financial Institutions, Inc. (NASDAQ:FISI ) Q4 2024 Earnings Conference Call January 31, 2025 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 Tyler Cacciatori - Stephens Frank Schiraldi - Piper Sandler Operator Hello, everyone, and welcome to the Financial Institutions, Inc. Fourth Quarter and Year-end 2024 Earnings Call. My name is Chach, and I'll be coordinating your call today.
seekingalpha.com
- 2 months ago
Financial Institutions, Inc. Announces Fourth Quarter and Full Year 2024 Results
WARSAW, N.Y., Jan. 30, 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 fourth quarter and year ended December 31, 2024.
globenewswire.com
- 2 months ago
Financial Institutions, Inc. Appoints Angela J. Panzarella to Board of Directors
WARSAW, N.Y., Jan. 27, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank (the “Bank”) and Courier Capital, LLC, today announced the appointment of Angela J. Panzarella as a new independent member of the Boards of Directors of both the Company and the Bank, on January 22, 2025.
globenewswire.com
- 2 months ago
8. Profile
Summary
Financial Institutions, Inc. FISI
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 443 M
Dividend Yield
3.16%
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
598
Officers
Ms. Sandra L. Byers
Senior Vice President, Controller & Principal Accounting Officer
Ms. Kate Croft
Director of Investor & External Relations
Mr. Martin K. Birmingham
President, Chief Executive Officer & Director
Mr. William Jack Plants II
Executive Vice President, Chief Financial Officer & Treasurer
Mr. Scott D. Bader
Senior Vice President & Chief Information Security Officer
Ms. Blake G. Jones
Senior Vice President & Chief Marketing Officer
Mr. Kevin B. Quinn
Senior Vice President & Chief Commercial Banking Officer
Ms. Laurie R. Collins
Senior Vice President & Chief Human Resources Officer
Mr. Samuel J. Burruano Jr.
Executive Vice President, Chief Legal Officer & Corporate Secretary
Mr. Michael David Grover CPA
Senior Vice President, Director of Financial Planning & Analysis and Tax