Financial Institutions Company Profile (NASDAQ:FISI)

About Financial Institutions (NASDAQ:FISI)

Financial Institutions logoFinancial Institutions, Inc. is a financial holding company. The Company conducts its business through its subsidiaries: Five Star Bank (the Bank), a New York chartered bank; Scott Danahy Naylon, LLC (SDN), a full service insurance agency, and Courier Capital, LLC (Courier Capital), an investment advisory and wealth management company. The Company operates through two segments: Banking and Non-Banking. The Banking segment includes all of the Company's retail and commercial banking operations. The Non-Banking segment includes the activities of SDN and Courier Capital. The Company offers a range of banking and related financial services to consumer, commercial and municipal customers through its bank and nonbank subsidiaries. The Company's indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York and Northern and Central Pennsylvania.

Industry, Sector and Symbol:
  • Sector: Finance
  • Industry: Commercial Banks
  • Sub-Industry: Regional Banks
  • Symbol: NASDAQ:FISI
  • CUSIP: 31758540
  • Web:
  • Market Cap: $455.36 million
  • Outstanding Shares: 14,998,000
Average Prices:
  • 50 Day Moving Avg: $28.40
  • 200 Day Moving Avg: $29.92
  • 52 Week Range: $25.65 - $35.40
  • Trailing P/E Ratio: 14.79
  • Foreward P/E Ratio: 14.43
  • P/E Growth: 1.91
Sales & Book Value:
  • Annual Revenue: $127.68 million
  • Price / Sales: 3.56
  • Book Value: $22.02 per share
  • Price / Book: 1.38
  • Annual Dividend: $0.84
  • Dividend Yield: 2.8%
  • Net Margins: 20.08%
  • Return on Equity: 10.03%
  • Return on Assets: 0.83%
  • Debt-to-Equity Ratio: 0.12%
  • Current Ratio: 0.74%
  • Quick Ratio: 0.74%
  • Average Volume: 60,503 shs.
  • Beta: 1.2
  • Short Ratio: 1.9

Frequently Asked Questions for Financial Institutions (NASDAQ:FISI)

What is Financial Institutions' stock symbol?

Financial Institutions trades on the NASDAQ under the ticker symbol "FISI."

How often does Financial Institutions pay dividends? What is the dividend yield for Financial Institutions?

Financial Institutions declared a quarterly dividend on Wednesday, August 23rd. Stockholders of record on Thursday, September 14th will be paid a dividend of $0.21 per share on Monday, October 2nd. This represents a $0.84 annualized dividend and a dividend yield of 2.77%. The ex-dividend date of this dividend is Wednesday, September 13th. View Financial Institutions' Dividend History.

How were Financial Institutions' earnings last quarter?

Financial Institutions, Inc. (NASDAQ:FISI) released its earnings results on Tuesday, July, 25th. The company reported $0.40 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.48 by $0.08. The firm had revenue of $36.76 million for the quarter. Financial Institutions had a return on equity of 10.03% and a net margin of 20.08%. View Financial Institutions' Earnings History.

When will Financial Institutions make its next earnings announcement?

Financial Institutions is scheduled to release their next quarterly earnings announcement on Tuesday, October, 24th 2017. View Earnings Estimates for Financial Institutions.

Where is Financial Institutions' stock going? Where will Financial Institutions' stock price be in 2017?

3 equities research analysts have issued 1-year price objectives for Financial Institutions' stock. Their forecasts range from $31.50 to $33.00. On average, they expect Financial Institutions' stock price to reach $32.25 in the next year. View Analyst Ratings for Financial Institutions.

Who are some of Financial Institutions' key competitors?

Who are Financial Institutions' key executives?

Financial Institutions' management team includes the folowing people:

  • Robert N. Latella, Chairman of the Board, Lead Independent Director
  • Martin K. Birmingham, President, Chief Executive Officer of the Company and the Bank, Director
  • Kevin B. Klotzbach, Chief Financial Officer, Executive Vice President, Treasurer
  • William L. Kreienberg, Executive Vice President, Chief Risk Officer, General Counsel and Chief Administrative Officer of the Bank
  • Jeffrey P. Kenefick, Executive Vice President, Chief Community, Commercial and Strategic Development Executive of the Bank
  • Michael D. Grover CPA, Senior Vice President - Financial Reporting and Tax, Chief Accounting Officer of the Company and Bank
  • Sonia M. Dumbleton, Senior Vice President, Controller, Corporate Secretary
  • Paula D. Dolan, Senior Vice President of Human Resources, Enterprise Planning
  • Karl V. Anderson Jr., Independent Director
  • Andrew W. Dorn Jr., Independent Director

How do I buy Financial Institutions stock?

Shares of Financial Institutions can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Financial Institutions' stock price today?

One share of Financial Institutions stock can currently be purchased for approximately $30.30.

MarketBeat Community Rating for Financial Institutions (NASDAQ FISI)
Community Ranking:  2.1 out of 5 (star star)
Outperform Votes:  54 (Vote Outperform)
Underperform Votes:  75 (Vote Underperform)
Total Votes:  129
MarketBeat's community ratings are surveys of what our community members think about Financial Institutions and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.

Analyst Ratings

Consensus Ratings for Financial Institutions (NASDAQ:FISI) (How are Consensus Ratings Calculated?)
Ratings Breakdown: 2 Hold Ratings, 1 Buy Rating
Consensus Rating:Hold (Score: 2.33)
Consensus Price Target: $32.25 (6.44% upside)
Consensus Price Target History for Financial Institutions (NASDAQ:FISI)
Price Target History for Financial Institutions (NASDAQ:FISI)
Analysts' Ratings History for Financial Institutions (NASDAQ:FISI)
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
10/4/2017Piper Jaffray CompaniesReiterated RatingHold$31.50LowView Rating Details
9/22/2017Keefe, Bruyette & WoodsReiterated RatingHold$33.00MediumView Rating Details
3/20/2017Hovde GroupInitiated CoverageOutperform -> OutperformMediumView Rating Details
(Data available from 10/21/2015 forward)


Earnings History for Financial Institutions (NASDAQ:FISI)
Earnings by Quarter for Financial Institutions (NASDAQ:FISI)
Earnings History by Quarter for Financial Institutions (NASDAQ FISI)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
10/23/2017$0.54N/AView Earnings Details
7/25/2017Q2 2017$0.48$0.40$36.76 millionViewN/AView Earnings Details
4/25/2017Q1 2017$0.51$0.52$34.83 millionViewN/AView Earnings Details
1/24/2017Q4 2016$0.51$0.57$35.81 millionViewN/AView Earnings Details
10/25/2016Q3$0.50$0.56$34.59 millionViewN/AView Earnings Details
7/26/2016Q2$0.48$0.47$34.12 millionViewN/AView Earnings Details
4/26/2016Q1$0.46$0.50$33.94 millionViewN/AView Earnings Details
1/26/2016Q4$0.49$0.44$33.21 millionViewN/AView Earnings Details
10/27/2015Q3$0.48$0.56$31.14 millionViewN/AView Earnings Details
7/22/2015Q2$0.45$0.44$31.18 million$29.86 millionViewN/AView Earnings Details
4/22/2015Q1 2015$0.44$0.46$30.84 million$31.44 millionViewN/AView Earnings Details
1/28/2015Q414$0.49$0.54$27.20 million$29.30 millionViewN/AView Earnings Details
10/22/2014Q3$0.47$0.49$29.71 million$30.52 millionViewN/AView Earnings Details
7/23/2014Q413$0.46$0.48$29.32 million$29.68 millionViewN/AView Earnings Details
4/23/2014Q1 2014$0.45$0.50$29.38 million$29.65 millionViewN/AView Earnings Details
1/29/2014Q4$0.47$0.43ViewN/AView Earnings Details
10/24/2013Q313$0.45$0.42$29.20 millionViewN/AView Earnings Details
1/30/2013Q4 2012$0.46$0.43$29.30 millionViewN/AView Earnings Details
(Data available from 1/1/2011 forward)


Earnings Estimates for Financial Institutions (NASDAQ:FISI)
Current Year EPS Consensus Estimate: $1.98 EPS
Next Year EPS Consensus Estimate: $2.1 EPS


Current Dividend Information for Financial Institutions (NASDAQ:FISI)
Most Recent Dividend:10/2/2017
Annual Dividend:$0.84
Dividend Yield:2.77%
Payout Ratio:40.98% (Trailing 12 Months of Earnings)
42.42% (Based on This Year's Estimates)
40.00% (Based on Next Year's Estimates)
Dividend Payments by Quarter for Financial Institutions (NASDAQ:FISI)

Dividend History by Quarter for Financial Institutions (NASDAQ FISI)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading and Institutional Ownership History for Financial Institutions (NASDAQ:FISI)
Insider Ownership Percentage: 5.49%
Institutional Ownership Percentage: 67.01%
Insider Trades by Quarter for Financial Institutions (NASDAQ:FISI)
Institutional Ownership by Quarter for Financial Institutions (NASDAQ:FISI)
Insider Trades by Quarter for Financial Institutions (NASDAQ:FISI)
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
1/30/2017John E BenjaminDirectorSell1,700$33.84$57,528.00View SEC Filing  
8/26/2016Charles J GuarinoInsiderBuy400$26.47$10,588.00View SEC Filing  
8/24/2016Kevin B KlotzbachCFOBuy900$27.04$24,336.00View SEC Filing  
8/17/2016Martin Kearney BirminghamCEOBuy5,000$26.64$133,200.00View SEC Filing  
8/17/2016William L KreienbergCAOBuy3,000$26.43$79,290.00View SEC Filing  
7/29/2016Andrew W Dorn JrDirectorBuy1,000$27.11$27,110.00View SEC Filing  
6/13/2016David G CaseSVPSell1,000$27.39$27,390.00View SEC Filing  
6/13/2016Jeffrey Patrick KenefickEVPSell4,096$27.52$112,721.92View SEC Filing  
5/10/2016Charles J GuarinoSVPBuy500$27.14$13,570.00View SEC Filing  
4/29/2016Karl Valentine Anderson JrDirectorSell1,410$28.44$40,100.40View SEC Filing  
2/25/2016Robert M GlaserDirectorBuy2,000$26.70$53,400.00View SEC Filing  
2/11/2016Paula Dollinger DolanSVPBuy4,500$26.18$117,810.00View SEC Filing  
2/2/2016Martin Kearney BirminghamCEOBuy9,254$26.64$246,526.56View SEC Filing  
2/1/2016John E. BenjaminDirectorSell1,550$27.14$42,067.00View SEC Filing  
11/4/2015Martin Kearney BirminghamCEOBuy2,000$26.59$53,180.00View SEC Filing  
6/10/2015Andrew W Dorn JrDirectorBuy1,500$23.70$35,550.00View SEC Filing  
6/9/2015William L KreienbergEVPBuy2,500$23.80$59,500.00View SEC Filing  
5/27/2015William L KreienbergEVPBuy2,000$23.38$46,760.00View SEC Filing  
5/21/2015William L KreienbergEVPBuy2,000$23.63$47,260.00View SEC Filing  
5/18/2015William L KreienbergEVPBuy2,000$23.50$47,000.00View SEC Filing  
5/13/2015William L KreienbergEVPBuy1,000$23.24$23,240.00View SEC Filing  
3/2/2015Martin Kearney BirminghamCEOBuy4,000$22.76$91,040.00View SEC Filing  
2/23/2015William L KreienbergEVPBuy1,000$22.50$22,500.00View SEC Filing  
2/11/2015William L KreienbergEVPBuy1,000$22.40$22,400.00View SEC Filing  
2/9/2015William L KreienbergGeneral CounselBuy2,000$22.70$45,400.00View SEC Filing  
2/6/2015John E BenjaminDirectorSell1,200$23.00$27,600.00View SEC Filing  
2/5/2015Robert M GlaserDirectorBuy3,100$22.75$70,525.00View SEC Filing  
11/4/2014Richard J HarrisonEVPSell1,773$24.82$44,005.86View SEC Filing  
10/30/2014Michael David GroverCAOSell4,172$24.50$102,214.00View SEC Filing  
7/28/2014Martin Kearney BirminghamCEOBuy5,000$22.51$112,550.00View SEC Filing  
7/28/2014Paula Dollinger DolanSVPBuy2,000$22.48$44,960.00View SEC Filing  
2/5/2014Jeffrey Patrick KenefickEVPBuy2,585$20.51$53,018.35View SEC Filing  
2/5/2014Kevin KlotzbachCFOBuy1,000$20.69$20,690.00View SEC Filing  
2/3/2014Martin Kearney BirminghamCEOBuy5,000$20.42$102,100.00View SEC Filing  
8/8/2013Martin Kearney BirminghamCEOBuy5,000$21.65$108,250.00View SEC Filing  
9/5/2012Karl Francis KrebsCFOBuy1,000$17.79$17,790.00View SEC Filing  
(Data available from 1/1/2013 forward)


Headline Trends for Financial Institutions (NASDAQ:FISI)
Latest Headlines for Financial Institutions (NASDAQ:FISI)
DateHeadline logoFinancial Institutions, Inc. (FISI) to Release Earnings on Monday - October 16 at 3:28 AM logoETFs with exposure to Financial Institutions, Inc. : October 9, 2017 - October 9 at 6:59 PM logoFinancial Institutions, Inc. : FISI-US: Dividend Analysis : September 14th, 2017 (record date) : By the numbers : October 3, 2017 - October 4 at 5:32 AM logoFinancial Institutions, Inc. breached its 50 day moving average in a Bullish Manner : FISI-US : September 25, 2017 - October 2 at 2:31 PM logoFinancial Institutions, Inc. – Value Analysis (NASDAQ:FISI) : September 26, 2017 - October 2 at 2:31 PM logoFinancial Institutions, Inc. :FISI-US: Earnings Analysis: Q2, 2017 By the Numbers : September 28, 2017 - October 2 at 2:31 PM logoHow Financial Institutions Inc (FISI) Delivered A Better ROE Than Its Industry - October 2 at 2:31 PM logoFinancial Institutions (FISI) and First Community Bancshares (FCBC) Financial Review - September 27 at 10:22 PM logoKeefe, Bruyette & Woods Reaffirms Hold Rating for Financial Institutions, Inc. (FISI) - September 23 at 9:38 PM logoFinancial Institutions, Inc. Provides Update on “At-The-Market” Offering of Common Stock - September 22 at 5:40 PM logoHOULIHAN LOKEY ANNOUNCES SENIOR HIRE IN ITS FINANCIAL INSTITUTIONS GROUP - September 13 at 8:07 PM logoFinancial Institutions, Inc. (FISI) Ex-Dividend Date Scheduled for September ... - September 13 at 8:07 PM logoReviewing First Mid-Illinois Bancshares (FMBH) and Financial Institutions (FISI) - September 6 at 8:38 AM logo Brokerages Expect Financial Institutions, Inc. (FISI) to Announce $0.52 Earnings Per Share - September 2 at 6:30 PM logoFinancial Institutions (FISI) Reports Acquisition of Robshaw & Julian Associates, Inc. - September 1 at 4:42 AM logoFinancial Institutions: No Attractive Catalysts To Get Excited About - September 1 at 4:42 AM logoFinancial Institutions, Inc. Announces Acquisition of Robshaw & Julian Associates, Inc. - August 31 at 6:36 PM logoFive Star Bank Names Rocco N. Diina Vice President, Regional Residential Mortgage Sales Manager - August 29 at 7:10 PM logoMinnesota Rules for Financial Institutions - August 24 at 7:58 PM logoFinancial Institutions, Inc. (FISI) Plans $0.21 Quarterly Dividend - August 23 at 4:14 PM logo$0.52 Earnings Per Share Expected for Financial Institutions, Inc. (NASDAQ:FISI) This Quarter - August 15 at 6:30 AM logoFinancial Institutions, Inc. – Value Analysis (NASDAQ:FISI) : August 4, 2017 - August 4 at 2:01 AM logoFinancial Institutions (FISI) Presents At KBW Community Bank Investor Conference - Slideshow - August 3 at 12:37 AM logo$0.55 EPS Expected for Financial Institutions, Inc. (NASDAQ:FISI) This Quarter - July 28 at 9:38 AM logoFinancial Institutions, Inc. (NASDAQ:FISI) Releases Quarterly Earnings Results, Misses Estimates By $0.08 EPS - July 26 at 12:29 PM logoFinancial Institutions, Inc. Announces Second Quarter 2017 Results - July 25 at 6:54 PM logoFinancial Institutions posts 2Q profit - July 25 at 6:54 PM logoFinancial Institutions, Inc. breached its 50 day moving average in a Bullish Manner : FISI-US : July 20, 2017 - July 20 at 4:19 PM logoFinancial Institutions, Inc. (NASDAQ:FISI) Expected to Post Earnings of $0.48 Per Share - July 3 at 10:22 PM logoNorthwest Bancorporation, Inc. Receives Regulatory Approval for CenterPointe Community Bank Merger with Inland Northwest Bank - June 14 at 11:52 AM logoFinancial Institutions, Inc. Announces “At-The-Market” Offering of Common Stock - May 30 at 11:18 AM logoSompo International to Acquire Financial Institutions' Portfolio from Novae - May 30 at 9:55 AM logo$40 million: How much Financial Institutions hopes to raise in stock sale - May 19 at 6:47 AM logoFinancial Institutions, Inc. Announces Commencement of Common Stock Offering - May 15 at 6:18 PM logoHope Bancorp to Present at D.A. Davidson Financial Institutions Conference - May 5 at 3:16 PM logoWSFS to Present at the D.A. Davidson Companies 19th Annual Financial Institutions Conference - May 4 at 5:30 PM logoThe 10 Largest Financial Institutions in the World by Market Value - May 3 at 11:31 PM logoFinancial Institutions Earnings: Steady as She Goes - April 26 at 2:54 PM logoFinancial Institutions posts 1Q profit - April 25 at 5:28 PM logoING appoints Mark Milders as head of Investor Relations - March 30 at 6:06 AM logoFINANCIAL INSTITUTIONS INC Files SEC form 8-K, Change in Directors or Principal Officers, Other Events, Financial Sta - March 29 at 5:42 PM logoFive Star Bank names community development officers in Buffalo, Rochester - March 21 at 8:42 AM Secures $19 Million Series B Growth Equity Investment, Led by FTV Capital to Transform Digital Identity - March 8 at 6:25 AM logoFINANCIAL INSTITUTIONS INC Files SEC form 10-K, Annual Report - March 7 at 10:02 PM logoWilliam E. Gallagher Named Managing Director of Scott Danahy Naylon - February 3 at 11:22 AM logoFinancial Institutions Reports Double-Digit Loan and Deposit Growth - January 25 at 5:54 PM logo4:11 pm Financial Inst. reports Q4 results; beats the 2-analyst estimate by $0.05 - January 24 at 10:53 PM logoQ4 2016 Financial Institutions Inc Earnings Release - 4:05 pm ET - January 24 at 5:53 PM logoFinancial Institutions, Inc. breached its 50 day moving average in a Bearish Manner : FISI-US : January 24, 2017 - January 24 at 5:53 PM logoFinancial Institutions, Inc. Announces Fourth Quarter and Full Year 2016 Results - January 24 at 5:53 PM



Financial Institutions (FISI) Chart for Saturday, October, 21, 2017

This page was last updated on 10/21/2017 by Staff

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