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.
infoFinancial Institutions is a small cap stock with a total market cap of 267.53M.
infoThey trade on the NASDAQ and had their IPO 24 years and 1 month ago.
infoFinancial Institutions currently employs 672 people.
infoAs of Wednesday, Aug 23 2023, Financial Institutions’s share price is $17.37.
News Relating to Financial Institutions
Zacks Investment Research
Wall Street Analysts See a 25.92% Upside in Financial Institutions (FISI): Can the Stock Really Move This High?
Thursday Aug 10 2023 at 11:30
The mean of analysts’ price targets for Financial Institutions (FISI) points to a 25.9% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
Zacks Investment Research
Financial Institutions (FISI) Surpasses Q2 Earnings and Revenue Estimates
Thursday Jul 27 2023 at 19:14
Financial Institutions (FISI) came out with quarterly earnings of $0.91 per share, beating the Zacks Consensus Estimate of $0.73 per share. This compares to earnings of $0.99 per share a year ago.
Zacks Investment Research
Earnings Preview: Financial Institutions (FISI) Q2 Earnings Expected to Decline
Thursday Jul 20 2023 at 11:26
Financial Institutions (FISI) doesn’t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Zacks Investment Research
New Strong Sell Stocks for July 13
Thursday Jul 13 2023 at 05:06
CP, ESSA and FISI have been added to the Zacks Rank #5 (Strong Sell) List on July 13, 2023.
GlobeNewsWire
Financial Institutions, Inc. Schedules Second Quarter 2023 Earnings Release and Conference Call
Monday Jul 03 2023 at 16:05
WARSAW, N.Y., July 03, 2023 (GLOBE NEWSWIRE) — Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank, SDN Insurance Agency, LLC, and Courier Capital, LLC, will release results for the second quarter ended June 30, 2023 after the market closes on July 27, 2023.
Zacks Investment Research
Financial Institutions (FISI) in Focus on Solid Dividend
Monday Jun 19 2023 at 09:28
Investors should keep an eye on fundamentally strong dividend-yielding stocks like Financial Institutions (FISI) amid the tough macroeconomic environment.
Seeking Alpha
Financial Institutions, Inc. (FISI) Q1 2023 Earnings Call Transcript
Saturday Apr 29 2023 at 14:46
Financial Institutions, Inc. (NASDAQ:FISI ) Q1 2023 Earnings Conference Call April 27, 2023 8:30 AM ET Company Participants Kate Croft – Director of Investor Relations Marty Birmingham – President & Chief Executive Officer Jack Plants – Executive Vice President & Chief Financial Officer Sean Willett – Chief Administrative Officer Conference Call Participants Alex Twerdahl – Piper Sandler Erik Zwick – Hovde Group Matt Rank – KBW Operator Hello, everyone, and welcome to the Financial Institutions, Inc. First Quarter 2023 Results Call. My name is Nadia, and I’ll be coordinating the call today.
Zacks Investment Research
Financial Institutions (FISI) Q1 Earnings and Revenues Miss Estimates
Wednesday Apr 26 2023 at 18:59
Financial Institutions (FISI) came out with quarterly earnings of $0.76 per share, missing the Zacks Consensus Estimate of $0.81 per share. This compares to earnings of $0.93 per share a year ago.
Seeking Alpha
Financial Institutions, Inc.: Dividend Yield, Price Upside, And Risk Are All High
Friday Apr 07 2023 at 07:20
A surge in non-interest expenses will undermine the effect of moderate loan growth. Unrealized mark-to-market losses on the available-for-sale securities portfolio are very high, at around 44% of total equity. Therefore, FISI’s risk level is high.
GlobeNewsWire
Financial Institutions, Inc. Schedules First Quarter 2023 Earnings Release and Conference Call
Monday Apr 03 2023 at 16:05
WARSAW, N.Y., April 03, 2023 (GLOBE NEWSWIRE) — Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank, SDN Insurance Agency, LLC, Courier Capital, LLC and HNP Capital, LLC, will release results for the first quarter ended March 31, 2023 after the market closes on April 26, 2023.
Seeking Alpha
Financial Institutions, Inc. (FISI) Q4 2022 Earnings Call Transcript
Tuesday Jan 31 2023 at 11:15
Financial Institutions, Inc. (NASDAQ:FISI ) Q4 2022 Earnings Conference Call January 31, 2023 8:30 AM ET Company Participants Pamela Kennard – Investor Relations Analyst Marty Birmingham – President & Chief Executive Officer Jack Plants – Executive Vice President, Chief Financial Officer & Treasurer Conference Call Participants Alex Twerdahl – Piper Sandler Damon DelMonte – KBW Erik Zwick – Hovde Group Operator Hello, everyone and welcome to the Financial Institutions Fourth Quarter and Full Year 2022 Earnings Conference Call. My name is Bruno, and I will be operating your call today.
Zacks Investment Research
Financial Institutions (FISI) Q4 Earnings and Revenues Top Estimates
Monday Jan 30 2023 at 18:49
Financial Institutions (FISI) delivered earnings and revenue surprises of 1.33% and 2.49%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
Seeking Alpha
Financial Institutions: Attractively Valued With A High Dividend Yield (Rating Upgrade)
Thursday Dec 29 2022 at 06:35
Thanks to the recent improvement in the funding mix, the balance sheet is no longer liability-sensitive. As a result, the margin will likely expand in the coming quarters. Inflation and the tight labor market will lift operating expenses.
GlobeNewsWire
Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2022 Earnings Release and Conference Call
Tuesday Dec 20 2022 at 16:04
WARSAW, N.Y., Dec. 20, 2022 (GLOBE NEWSWIRE) — Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), the parent company of Five Star Bank, SDN Insurance Agency, LLC (“SDN”), Courier Capital, LLC (“Courier Capital”) and HNP Capital, LLC (“HNP Capital”), will release results for the fourth quarter and full year ended December 31, 2022 after the market closes on January 30, 2023.
GlobeNewsWire
Financial Institutions, Inc. to Participate in Investor Conferences in November 2022
Monday Oct 31 2022 at 16:05
The parent company of Five Star Bank is set to participate in the both the Hovde Group Financial Services Conference and the Piper Sandler East Coast Financial Services Conference The parent company of Five Star Bank is set to participate in the both the Hovde Group Financial Services Conference and the Piper Sandler East Coast Financial Services Conference
Seeking Alpha
Financial Institutions, Inc. (FISI) Q3 2022 Earnings Call Transcript
Friday Oct 28 2022 at 11:10
Financial Institutions, Inc. (NASDAQ:FISI ) Q3 2022 Earnings Conference Call October 28, 2022 8:30 AM ET Company Participants Kate Croft – Director, IR & External Relations Marty Birmingham – President & CEO Jack Plants – CFO Justin Bigham – Community Banking Officer Sean Willett – CAO Mike Grover – Director of Financial Planning & Analysis Conference Call Participants Damon DelMonte – KBW Alex Twerdahl – Piper Sandler Erik Zwick – Hovde Group Operator Hello, and welcome to today’s Financial Institutions, Inc. Third Quarter 2022 Earnings Call. My name is Elliot, and I’ll be coordinating your call today.
Zacks Investment Research
Are Investors Undervaluing Financial Institutions (FISI) Right Now?
Wednesday Oct 26 2022 at 11:21
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 Investment Research
Best Income Stocks to Buy for October 18th
Tuesday Oct 18 2022 at 09:47
SQM, FISI and HAFC made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 18, 2022.
Zacks Investment Research
Best Value Stocks to Buy for October 18th
Tuesday Oct 18 2022 at 09:02
TNP, DQ and FISI made it to the Zacks Rank #1 (Strong Buy) value stocks list on October 18, 2022.
Zacks Investment Research
Best Income Stocks to Buy for October 12th
Wednesday Oct 12 2022 at 10:32
OUT, FISI and CNO made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 12, 2022.
Zacks Investment Research
Is Financial Institutions (FISI) Stock Undervalued Right Now?
Monday Oct 10 2022 at 11:17
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.
GlobeNewsWire
Financial Institutions, Inc. Schedules Third Quarter 2022 Earnings Release and Conference Call
Monday Oct 03 2022 at 11:45
WARSAW, N.Y., Oct. 03, 2022 (GLOBE NEWSWIRE) — Financial Institutions, Inc. (NASDAQ:FISI) (the “Company”), the parent company of Five Star Bank, SDN Insurance Agency, LLC (“SDN”), Courier Capital, LLC (“Courier Capital”) and HNP Capital, LLC (“HNP Capital”), will release results for the third quarter ended September 30, 2022 after the market closes on October 27, 2022.
Seeking Alpha
Financial Institutions, Inc. (FISI) CEO Marty Birmingham on Q2 2022 Results Earnings Call Transcript
Friday Jul 29 2022 at 13:41
Financial Institutions, Inc. (NASDAQ:FISI ) Q2 2022 Earnings Conference Call July 29, 2022 8:30 AM ET Company Participants Shelly Doran – Director of IR Marty Birmingham – President and CEO Jack Plants – CFO Justin Bigham – CBO Conference Call Participants Alex Twerdahl – Piper Sandler Marla Backer – Sidoti Operator Hello everyone and welcome to the Financial Institutions, Inc. Second Quarter Earnings Conference Call. My name is Charlie, and I’ll be coordinating the call today.
Zacks Investment Research
Financial Institutions (FISI) Tops Q2 Earnings and Revenue Estimates
Thursday Jul 28 2022 at 19:30
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?
GlobeNewsWire
Financial Institutions, Inc. Schedules Second Quarter 2022 Earnings Release and Conference Call
Thursday Jun 30 2022 at 14:00
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, LLC (“Courier Capital”) and HNP Capital, LLC (“HNP Capital”), will release results for the second quarter ended June 30, 2022, after the market closes on July 28, 2022.
Zacks Investment Research
Financial Institutions (FISI) Soars 8.2%: Is Further Upside Left in the Stock?
Monday Jun 27 2022 at 06:55
Financial Institutions (FISI) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn’t suggest further strength down the road.
Zacks Investment Research
Should Value Investors Buy Financial Institutions (FISI) Stock?
Monday Jun 13 2022 at 11:17
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 Investment Research
Are Investors Undervaluing Financial Institutions (FISI) Right Now?
Friday May 27 2022 at 11:18
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 Investment Research
Is Financial Institutions (FISI) Stock Undervalued Right Now?
Wednesday May 11 2022 at 11:17
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.
Seeking Alpha
Financial Institutions, Inc. (FISI) CEO Marty Birmingham On Q1 2022 Results – Earnings Call Transcript
Saturday Apr 30 2022 at 10:54
Financial Institutions, Inc. (NASDAQ:FISI ) Q1 2022 Earnings Conference Call April 28, 2022 8:30 AM ET Company Participants Shelly Doran – Director of IR Marty Birmingham – President & CEO Jack Plants – CFO Conference Call Participants Bryce Rowe – Hovde Group Marla Backer – Sidoti Alex Twerdahl – Piper Sandler Operator Hello. And welcome to the Financial Institutions, Inc. First Quarter Earnings Conference Call.
Financial Institutions Bankruptcy Risk
The Altman Z-score is a formula that measures a company’s financial health and bankruptcy risk. It assigns a numerical score based on various financial ratios. The Z-score is divided into different zones. If the Z-score is above 2.99, it indicates a lower bankruptcy risk, classifying the company as ‘safe’ or ‘non-distressed’. If the score falls below 1.81, it suggests a higher risk, indicating potential financial distress or bankruptcy. The range between 1.81 and 2.99 is called the ‘gray zone’ or zone of ambiguity.
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Financial Institutions’s Altman Z-score is 0.45 which is in the distress zone. This indicates a higher risk of financial distress and potential bankruptcy for the company. It can serve as a warning sign of significant financial challenges, requiring careful consideration by potential investors.
Derived from SEC.GOV filing dataopen_in_new
Financial Institutions Insider Trading
Insider trading is when individuals employed by a company buy or sell its securities following legal procedures and regulations. Company executives, directors, and employees may be permitted to buy or sell shares if they follow specific rules, such as filing a Form 4 with the SEC within two business days.
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Over the last 3 months, 9 insiders have bought $315.58K of common stock in Financial Institutions on the stock market with no insider selling.
Derived from SEC.GOV filing dataopen_in_new
Debt & Income Analysis
Income quality measures a company’s operating cash flow to net income ratio. It helps investors and analysts assess the sustainability of a company’s earnings. A high QIR indicates strong cash flows, while a low QIR may indicate non-operating activities driving net income.
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Financial Institutions’s Income Quality of 1.12 is lower than its Industry Group of 1.3 (-13.8% lower)
Financial Institutions’s Income Quality of 1.12 is lower than its Major Industry Group of 1.32 (-15.2% lower)
Financial Institutions’s Income Quality of 1.12 is greater than its Sector of 0.58 (93.1% greater)
Derived from SEC.GOV filing dataopen_in_new
Current ratio measures a company’s ability to pay off short-term debt with its current assets (assets that a company expects to use up or convert to cash within a year). It represents the $ amount of current assets a company has for every $1 of short-term debt. A high current ratio above 1.0 indicates that a company can meet its short-term obligations, while a low current ratio below 1.0 suggests difficulty.
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Financial Institutions’s Current Ratio of 5.83 is lower than its Industry Group of 8.8 (-33.8% lower)
Financial Institutions’s Current Ratio of 5.83 is lower than its Major Industry Group of 9.67 (-39.7% lower)
Financial Institutions’s Current Ratio of 5.83 is greater than its Sector of 1.3 (348.5% greater)
Derived from SEC.GOV filing dataopen_in_new
Value Analysis
PE ratio (price-to-earnings), measures a company’s stock price relative to its earnings per share. It helps investors evaluate whether its stock is overvalued or undervalued. A higher PE ratio indicates that investors are willing to pay more for a company’s earnings, while a lower PE ratio (above zero) suggests the company could be undervalued.
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Financial Institutions’s PE Ratio of 5.11 is lower than its Industry Group of 7.82 (-34.7% lower)
Financial Institutions’s PE Ratio of 5.11 is lower than its Major Industry Group of 8.01 (-36.2% lower)
Financial Institutions’s PE Ratio of 5.11 is lower than its Sector of 7.86 (-35.0% lower)
Derived from SEC.GOV filing dataopen_in_new
The PB ratio (price-to-book), measures a company’s stock price relative to its book value (net value of a company’s assets reported on its balance sheet, after subtracting debt) per share. It is used to evaluate a company’s valuation, with a lower PB ratio (above zero) indicating a lower valuation and a higher PB ratio suggesting overvaluation.
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Financial Institutions’s PB Ratio of 0.21 is lower than its Industry Group of 0.58 (-63.8% lower)
Financial Institutions’s PB Ratio of 0.21 is lower than its Major Industry Group of 0.36 (-41.7% lower)
Financial Institutions’s PB Ratio of 0.21 is lower than its Sector of 0.72 (-70.8% lower)
Derived from SEC.GOV filing dataopen_in_new
Efficiency Analysis
ROE (Return on Equity), is a financial ratio that measures a company’s profitability relative to its shareholders’ equity (the amount of value in a company that belongs to the people who own shares). It indicates how efficiently a company generates profits per unit of equity invested. A high ROE suggests effective use of equity, while a low ROE indicates inefficiency.
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Financial Institutions’s ROE of 0.04 is lower than its Industry Group of 0.08 (-50.0% lower)
Financial Institutions’s ROE of 0.04 is greater than its Major Industry Group of 0.02 (100.0% greater)
Financial Institutions’s ROE of 0.04 is in line with its Sector of 0.04
Derived from SEC.GOV filing dataopen_in_new
ROCE (Return on Capital Employed), is a financial ratio that measures a company’s profitability relative to the amount of capital invested in its operations. It indicates how well a company is generating profits from its capital investments. A high ROCE suggests effective use of capital, while a low ROCE indicates inefficiency.
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Financial Institutions’s ROCE of 0.02 is in line with its Industry Group of 0.02
Financial Institutions’s ROCE of 0.02 is in line with its Major Industry Group of 0.02
Financial Institutions’s ROCE of 0.02 is in line with its Sector of 0.02
Derived from SEC.GOV filing dataopen_in_new