Financial Institutions Inc stock page - price, fundamentals, dividends - iOCharts

Ticker
FISI

Price
27.71
Stock movement up
+0.03 (0.11%)
Company name
Financial Institutions Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks-Regional
Market cap
423.94M
Ent value
4.25B
Price/Sales
2.63
Price/Book
0.33
Div yield
4.19%
Div growth
5.92%
Growth years
10
FCF payout
31.96%
Trailing P/E
4.39
Forward P/E
7.27
PEG
0.55
EPS growth
8.10%
1 year return
-15.00%
3 year return
-1.29%
5 year return
0.71%
10 year return
4.65%
Last updated: 2022-08-15

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.16
Dividend yield4.19%
Payout frequencyQuarterly
Maximum yield7.28%
Average yield3.86%
Minimum yield2.61%
Discount to avg yield7.82%
Upside potential8.49%
Yield as % of max yield57.48%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield4.19%
Current yield distribution23.41%
Yield at 100% (Min)2.61%
Yield at 90%2.97%
Yield at 80%3.11%
Yield at 50% (Median)3.50%
Yield at 20%4.39%
Yield at 10%5.93%
Yield at 0% (Max)7.28%

Dividend per share

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Dividend per share data
Years of growth10 years
CCC statusDividend Contender
Dividend per share1.16
Payout frequencyQuarterly
Ex-div date16 Jun 2022
EPS (TTM)6.06
EPS (1y forward)3.81
EPS growth (5y)8.10%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
FISIS&P500
DGR MR7.41%15.44%
DGR TTM5.66%7.80%
DGR 3 years4.00%3.88%
DGR 5 years5.92%4.73%
DGR 10 years8.68%8.30%
DGR 15 years8.01%5.82%
Time since last change announced181 days
EPS growth (5y)8.10%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM14.41%31.96%
Average41.74%30.48%
Forward30.45%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E4.39
Price to OCF8.05
Price to FCF9.74
Price to EBITDA4.91
EV to EBITDA49.24

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.63
Price to Book0.33
EV to Sales26.41

FINANCIALS

Per share

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Per share data
Current share count15.30M
EPS (TTM)6.06
FCF per share (TTM)2.73

Income statement

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Income statement data
Revenue (TTM)160.92M
Gross profit (TTM)150.83M
Operating income (TTM)144.55M
Net income (TTM)96.55M
EPS (TTM)6.06
EPS (1y forward)3.81

Margins

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Margins data
Gross margin (TTM)93.73%
Operating margin (TTM)89.83%
Profit margin (TTM)60.00%

Balance Sheet

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Balance Sheet data
Cash170.40M
Net receivables0.00
Total current assets1.50B
Goodwill67.07M
Intangible assets148.43M
Property, plant and equipment0.00
Total assets5.27B
Accounts payable5.00B
Short/Current long term debt98.66M
Total current liabilities24.67M
Total liabilities4.00B
Shareholder's equity1.27B
Net tangible assets355.41M

Cash flow

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Cash flow data
Operating cash flow (TTM)52.66M
Capital expenditures (TTM)9.11M
Free cash flow (TTM)43.54M
Dividends paid (TTM)13.92M

Financial returns

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Financial returns data
Return on Equity7.61%
Return on Assets1.83%
Return on Invested Capital7.46%
Cash Return on Invested Capital3.36%

STOCK INFORMATION

Stock chart

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Stock price data
Open27.41
Daily high27.71
Daily low27.12
Daily Volume24K
All-time high38.72
1y analyst estimate35.00
Beta1.04
EPS (TTM)6.06
Dividend per share1.16
Ex-div date16 Jun 2022
Next earnings date26 Oct 2022

Downside potential

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Downside potential data
FISIS&P500
Current price drop from All-time high-28.43%-10.22%
Highest price drop-91.48%-56.47%
Date of highest drop27 Feb 20099 Mar 2009
Avg drop from high-37.60%-11.38%
Avg time to new high122 days12 days
Max time to new high5107 days1805 days
COMPANY DETAILS
FISI (Financial Institutions Inc) company logo
Marketcap
423.94M
Marketcap category
Small-cap
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.
Employees
600
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
All newsPress releases
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...
July 29, 2022
Financial Institutions (FISI) delivered earnings and revenue surprises of 26.92% and 4.04%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
July 28, 2022
WARSAW, N.Y., July 28, 2022 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ:FISI) (the “Company” “we” or “us”), parent company of Five Star Bank (the “Bank”), SDN Insurance Agency, LLC (“SDN”...
July 28, 2022
Every investor in Financial Institutions, Inc. ( NASDAQ:FISI ) should be aware of the most powerful shareholder groups...
July 19, 2022
WARSAW, N.Y., June 30, 2022 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ:FISI) (the “Company”), the parent company of Five Star Bank, SDN Insurance Agency, LLC (“SDN”), Courier Capital, LL...
June 30, 2022
WARSAW, N.Y., June 13, 2022 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ:FISI) (the “Company”), parent company of Five Star Bank (the “Bank”), SDN Insurance Agency, LLC (“SDN”), Courier Ca...
June 13, 2022
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...
June 13, 2022
WARSAW, N.Y., June 06, 2022 (GLOBE NEWSWIRE) -- Five Star Bank (the “Bank”), subsidiary of Financial Institutions, Inc. (NASDAQ:FISI), announced today that it has joined a newly launched Banking-as-a-...
June 6, 2022
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...
May 27, 2022
WARSAW, N.Y., May 25, 2022 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ:FISI) (the “Company”), parent company of Five Star Bank, SDN Insurance Agency, LLC (“SDN”), Courier Capital, LLC (“C...
May 25, 2022
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