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Financial Institutions Inc

Financial Services US FISI

37.75USD
0.48(1.29%)

Last update at 2026-06-09T15:51:00Z

Day Range

37.5938.46
LowHigh

52 Week Range

22.2635.67
LowHigh

Fundamentals

  • Previous Close 37.27
  • Market Cap673.61M
  • Volume23196
  • P/E Ratio9.69
  • Dividend Yield3.54%
  • Revenue TTM233.32M
  • Revenue Per Share TTM11.61
  • Gross Profit TTM 233.32M
  • Diluted EPS TTM3.53

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 91.35M -68.14800M 63.05M 70.97M 97.22M
Minority interest - - - - -
Net income 74.87M -41.64600M 50.26M 56.57M 77.70M
Selling general administrative 88.30M 73.34M 80.46M 72.07M 79.40M
Selling and marketing expenses 1.81M 1.57M 1.93M 2.01M 1.70M
Gross profit 233.31M 88.03M 48.24M 212.35M 199.56M
Reconciled depreciation 7.88M 7.67M 8.15M 0.99M 1.06M
Ebit - -68.14800M 63.05M 106.83M 97.22M
Ebitda 91.35M -60.47300M 63.05M 107.82M 98.28M
Depreciation and amortization - 7.67M 0.91M 0.99M 1.06M
Non operating income net other - - - - -
Operating income 91.35M -68.14800M 63.05M 106.83M 97.22M
Other operating expenses 286.59M 332.32M 1.93M 2.01M -102.33300M
Interest expense 133.00M 149.64M 120.42M 28.73M 12.47M
Tax provision 16.49M -26.50200M 10.00M 14.40M 19.52M
Interest income 332.99M 313.23M 267.39M 196.11M 167.21M
Net interest income 199.99M 163.59M 168.98M 167.37M 154.73M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 16.49M -26.50200M 12.79M 14.40M 19.52M
Total revenue 377.94M 264.17M 48.24M 212.35M 199.56M
Total operating expenses 141.96M 156.18M 1.93M 2.01M -102.33300M
Cost of revenue 144.63M 176.13M 283.00M - -
Total other income expense net - -379.80600M 63.05M -35.86100M -12.47500M
Discontinued operations - - - - -
Net income from continuing ops 74.87M -41.64600M 52.57M 56.57M 77.70M
Net income applicable to common shares - - - 55.11M 76.24M
Preferred stock and other adjustments - - - 1.46M 1.46M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 6274.14M 6117.09M 6178.34M 5271.47M 5002.08M
Intangible assets 2.22M 2.64M 5.43M 6.34M 7.33M
Earning assets - - - - -
Other current assets -987.10700M - 149.69M 21.45M 2685.47M
Total liab 5645.29M 5548.10M 5723.54M 5408.96M 5015.64M
Total stockholder equity 628.85M 568.98M 454.80M -137.48700M -13.56100M
Deferred long term liab - - - - -
Other current liab -24.50200M 5104.73M 3053.68M -205.00000M -0.53800M
Common stock 0.21M 0.21M 0.16M 0.16M 0.16M
Capital stock 17.49M 17.49M 17.45M 17.45M 17.45M
Retained earnings 437.14M 388.67M 451.69M 421.34M 384.01M
Other liab - - - 102.04M 84.64M
Good will 58.12M 58.12M 67.07M 67.07M 67.07M
Other assets 4545.25M 5050.40M - 2841.20M 2166.75M
Cash 108.75M 87.32M 124.44M 130.47M 79.11M
Cash and equivalents - - - - -
Total current liabilities 109.00M 5229.59M 3241.66M 205.00M 0.54M
Current deferred revenue - - -19.41200M - -
Net debt 225.48M 169.28M 218.88M 148.76M -78.57400M
Short term debt 112.07M 99.00M 187.98M 205.00M 0.54M
Short long term debt 109.00M 99.00M 185.00M 205.00M 0.54M
Short long term debt total 334.23M 256.61M 343.32M 279.22M 0.54M
Other stockholder equity 207.25M 215.43M 105.60M -438.79300M -401.81400M
Property plant equipment - - - 41.99M 40.11M
Total current assets 108.75M 111.08M 149.69M 1140.40M 1314.64M
Long term investments 1067.99M 1098.97M 1104.14M 4959.96M 4824.48M
Net tangible assets - - - 297.61M 430.74M
Short term investments 922.47M 0.00800M 887.73M 954.37M 1178.52M
Net receivables 25.10M 23.75M 24.48M 55.57M 57.01M
Long term debt 193.65M 124.84M 124.53M 74.22M 73.91M
Inventory - - 99.96M 0.02M -
Accounts payable 21.44M 25.86M 19.41M 4929.42M 4827.09M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -33.03000M -52.60400M -119.94100M -137.48700M -13.20700M
Additional paid in capital - - - - -
Common stock total equity - - - 0.16M 0.16M
Preferred stock total equity - - - 34.58M 34.58M
Retained earnings total equity - - - 421.34M 384.01M
Treasury stock - - - -22.33700M -9.21600M
Accumulated amortization - - - - -
Non currrent assets other 484.02M 235.59M 5671.09M -1289.86600M -1520.68800M
Deferred long term asset charges - - - - -
Non current assets total 6165.39M 6006.01M 6028.64M 1289.87M 1520.69M
Capital lease obligations 31.57M 32.76M 33.79M - -
Long term debt total - - - 74.22M 73.91M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 53.28M -8.23200M -442.85100M -306.74900M -606.05300M
Change to liabilities - - - 80.58M -2.59600M
Total cashflows from investing activities -140.03800M -8.23200M -310.09000M -325.16000M -633.42200M
Net borrowings 80.00M -86.00000M 30.00M 175.00M 24.70M
Total cash from financing activities 142.67M -106.01600M 293.17M 242.94M 545.69M
Change to operating activities - - - 50.68M -11.93800M
Net income 74.87M -41.64600M 50.26M 56.57M 77.70M
Change in cash 21.43M -37.12100M -6.02400M 51.35M -14.76600M
Begin period cash flow 87.32M 124.44M 130.47M 79.11M 93.88M
End period cash flow 108.75M 87.32M 124.44M 130.47M 79.11M
Total cash from operating activities 18.80M 77.13M 10.89M 133.57M 72.96M
Issuance of capital stock 0.00000M 108.57M 0.00000M - -
Depreciation 7.88M 7.67M 8.09M 8.11M 8.05M
Other cashflows from investing activities -140.03800M 1.22M -430.00900M -10.04200M -24.98600M
Dividends paid 26.17M 19.97M 19.75M -19.05300M -18.45100M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -11.41900M -0.43300M -0.57100M -15.34000M -9.27800M
Other cashflows from financing activities 101.62M -108.18800M 283.49M 277.33M 573.42M
Change to netincome - - - -1.70500M 1.68M
Capital expenditures 5.55M 4.97M 2.99M 8.37M 9.40M
Change receivables - - - - -
Cash flows other operating - - - -14.95700M -17.35700M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - 51.35M -14.76600M
Change in working capital -70.87300M 33.69M -55.70400M 50.68M -11.93800M
Stock based compensation 3.08M 1.61M 1.67M 2.55M 1.74M
Other non cash items 14.81M 111.15M 7.92M 20.04M -7.80700M
Free cash flow 13.60M 72.15M 7.90M 125.20M 63.56M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
FISI
Financial Institutions Inc		 0.48 1.29% 37.75 9.69 11.27 2.89 1.10 4.21
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; 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 other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Financial Institutions Inc

220 Liberty Street, Warsaw, NY, United States, 14569

Key Executives

Name Title Year Born
Mr. Martin K. Birmingham Pres, CEO & Director 1966
Mr. William Jack Plants II Sr. VP, CFO & Treasurer 1984
Mr. Sean M. Willett Exec. VP & Chief Admin. Officer 1972
Mr. Samuel J. Burruano Jr. Exec. VP, Chief Legal Officer & Corp. Sec. 1969
Mr. Justin K. Bigham Exec. VP & Chief Community Banking Officer 1974
Mr. Kevin B. Quinn Sr. VP & Chief Commercial Banking Officer 1964
Ms. Sonia Marie Dumbleton Sr. VP, Controller & Principal Accounting Officer 1962
Ms. Kate Croft Director of Investor & External Relations NA
Mr. Michael David Grover CPA Sr. VP, Director of Financial Planning & Analysis and Tax 1972
Mr. Joseph L. Dugan Sr. VP and Chief Experience & Go to Market Officer of Five Star Bank 1962

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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