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: www.fiiwarsaw.com
Capitalization:
  • Market Cap: $445.15 million
  • Outstanding Shares: 14,406,000
Average Prices:
  • 50 Day Moving Avg: $30.15
  • 200 Day Moving Avg: $32.29
  • 52 Week Range: $25.98 - $35.40
P/E:
  • Trailing P/E Ratio: 14.58
  • Foreward P/E Ratio: 12.98
  • P/E Growth: 1.77
Sales & Book Value:
  • Annual Revenue: $128.12 million
  • Price / Sales: 3.47
  • Book Value: $21.40 per share
  • Price / Book: 1.44
Dividend:
  • Annual Dividend: $0.84
  • Dividend Yield: 2.8%
Profitability:
  • Net Margins: 21.15%
  • Return on Equity: 10.53%
  • Return on Assets: 0.87%
Debt:
  • Debt-to-Equity Ratio: 0.13%
  • Current Ratio: 0.73%
  • Quick Ratio: 0.73%
Misc:
  • Average Volume: 71,340 shs.
  • Beta: 1.19
  • Short Ratio: 1.19
 

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 announced a quarterly dividend on Friday, May 26th. Investors of record on Wednesday, June 14th will be paid a dividend of $0.21 per share on Monday, July 3rd. This represents a $0.84 annualized dividend and a yield of 2.72%. The ex-dividend date is Monday, June 12th. View Financial Institutions' Dividend History.

How were Financial Institutions' earnings last quarter?

Financial Institutions, Inc. (NASDAQ:FISI) announced its quarterly earnings results on Tuesday, April, 25th. The company reported $0.52 EPS for the quarter, beating the Zacks' consensus estimate of $0.51 by $0.01. The firm earned $34.83 million during the quarter. Financial Institutions had a net margin of 21.15% and a return on equity of 10.53%. View Financial Institutions' Earnings History.

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

2 brokers have issued twelve-month price objectives for Financial Institutions' shares. Their predictions range from $33.00 to $33.00. On average, they expect Financial Institutions' share price to reach $33.00 in the next twelve months. 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

Who owns Financial Institutions stock?

Financial Institutions' stock is owned by a variety of of retail and institutional investors. Top institutional investors include Aperio Group LLC (0.08%), First Quadrant L P CA (0.08%) and Bank of Montreal Can (0.04%). Company insiders that own Financial Institutions stock include Andrew W Dorn Jr, Charles J Guarino, David G Case, Jeffrey Patrick Kenefick, John E Benjamin, Karl Valentine Anderson Jr, Kevin B Klotzbach, Martin Kearney Birmingham, Paula Dollinger Dolan, Robert M Glaser and William L Kreienberg. View Institutional Ownership Trends for Financial Institutions.

Who sold Financial Institutions stock? Who is selling Financial Institutions stock?

Financial Institutions' stock was sold by a variety of institutional investors in the last quarter, including Bank of Montreal Can. View Insider Buying and Selling for Financial Institutions.

Who bought Financial Institutions stock? Who is buying Financial Institutions stock?

Financial Institutions' stock was acquired by a variety of institutional investors in the last quarter, including First Quadrant L P CA and Aperio Group LLC. Company insiders that have bought Financial Institutions stock in the last two years include Andrew W Dorn Jr, Charles J Guarino, Kevin B Klotzbach, Martin Kearney Birmingham, Paula Dollinger Dolan, Robert M Glaser and William L Kreienberg. View Insider Buying and Selling for Financial Institutions.

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 $30.90.


MarketBeat Community Rating for Financial Institutions (NASDAQ FISI)
Community Ranking:  1.9 out of 5 ()
Outperform Votes:  31 (Vote Outperform)
Underperform Votes:  50 (Vote Underperform)
Total Votes:  81
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: 1 Hold Rating, 1 Buy Rating
Consensus Rating:Buy (Score: 2.50)
Consensus Price Target: $33.00 (6.80% upside)

Analysts' Ratings History for Financial Institutions (NASDAQ:FISI)
Show:
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
4/26/2017Keefe, Bruyette & WoodsReiterated RatingHold$33.00MediumView Rating Details
3/20/2017Hovde GroupInitiated CoverageOutperform -> OutperformMediumView Rating Details
2/26/2016Piper Jaffray CompaniesDowngradeOverweight -> Neutral$27.00N/AView Rating Details
(Data available from 7/20/2015 forward)

Earnings

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
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)

Estimates

Earnings Estimates for Financial Institutions (NASDAQ:FISI)
Current Year EPS Consensus Estimate: $2.12 EPS
Next Year EPS Consensus Estimate: $2.38 EPS

Dividends

Current Dividend Information for Financial Institutions (NASDAQ:FISI)
Most Recent Dividend:7/3/2017
Annual Dividend:$0.84
Dividend Yield:2.72%
Payout Ratio:39.62% (Trailing 12 Months of Earnings)
39.62% (Based on This Year's Estimates)
35.29% (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
5/26/2017quarterly$0.212.7%6/12/20176/14/20177/3/2017
2/24/2017quarterly$0.212.38%3/10/20173/14/20174/3/2017
11/3/2016quarterly$0.213.17%12/8/201612/12/20161/3/2017
8/31/2016quarterly$0.203%9/8/20169/12/201610/3/2016
5/19/2016quarterly$0.202.91%6/9/20166/13/20167/5/2016
2/25/2016quarterly$0.202.99%3/11/20163/15/20164/4/2016
11/19/2015quarterly$0.202.98%12/8/201512/10/20151/4/2016
8/27/2015quarterly$0.203.27%9/8/20159/10/201510/2/2015
5/21/2015quarterly$0.203.39%6/9/20156/11/20157/2/2015
2/26/2015quarterly$0.203.51%3/10/20153/12/20154/2/2015
11/19/2014quarterly$0.203.34%12/10/201412/12/20141/2/2015
8/27/2014quarterly$0.193.18%9/10/20149/12/201410/2/2014
5/21/2014quarterly$0.193.34%6/11/20146/13/20147/2/2014
2/19/2014quarterly$0.193.53%3/11/20143/13/20144/2/2014
11/20/2013quarterly$0.193.19%12/10/201312/12/20131/2/2014
8/21/2013quarterly$0.193.84%9/10/20139/12/201310/2/2013
5/22/2013quarterly$0.183.64%6/11/20136/13/20137/2/2013
2/20/2013quarterly$0.183.59%3/12/20133/14/20134/2/2013
(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: 63.80%
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)

Headlines

Headline Trends for Financial Institutions (NASDAQ:FISI)
Latest Headlines for Financial Institutions (NASDAQ:FISI)
Source:
DateHeadline
finance.yahoo.com logoFinancial Institutions, Inc. breached its 50 day moving average in a Bullish Manner : FISI-US : July 20, 2017
finance.yahoo.com - July 20 at 4:19 PM
americanbankingnews.com logoFinancial Institutions, Inc. (NASDAQ:FISI) Expected to Post Earnings of $0.48 Per Share
www.americanbankingnews.com - July 3 at 10:22 PM
finance.yahoo.com logoFinancial Institutions, Inc. Elects Donald K. Boswell to Board of Directors
finance.yahoo.com - June 21 at 6:47 PM
americanbankingnews.com logoFinancial Institutions, Inc. (FISI) Upgraded to "Buy" by ValuEngine
www.americanbankingnews.com - June 21 at 12:56 AM
finance.yahoo.com logoFinancial Institutions, Inc. : FISI-US: Dividend Analysis : June 14th, 2017 (record date) : By the numbers : June 14, 2017
finance.yahoo.com - June 14 at 6:25 PM
feeds.benzinga.com logoNorthwest Bancorporation, Inc. Receives Regulatory Approval for CenterPointe Community Bank Merger with Inland Northwest Bank
feeds.benzinga.com - June 14 at 11:52 AM
americanbankingnews.com logo$0.48 Earnings Per Share Expected for Financial Institutions, Inc. (FISI) This Quarter
www.americanbankingnews.com - June 7 at 8:22 PM
finance.yahoo.com logoFinancial Institutions, Inc. :FISI-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017
finance.yahoo.com - June 5 at 11:16 AM
globenewswire.com logoFinancial Institutions, Inc. Announces “At-The-Market” Offering of Common Stock
globenewswire.com - May 30 at 11:18 AM
feeds.benzinga.com logoSompo International to Acquire Financial Institutions' Portfolio from Novae
feeds.benzinga.com - May 30 at 9:55 AM
americanbankingnews.com logoFinancial Institutions, Inc. Announces Quarterly Dividend of $0.21 (FISI)
www.americanbankingnews.com - May 26 at 4:53 PM
finance.yahoo.com logoFive Star Bank Names Karla J.L. Gadley Senior Vice President, Community Development Officer
finance.yahoo.com - May 22 at 4:52 PM
bizjournals.com logo$40 million: How much Financial Institutions hopes to raise in stock sale
www.bizjournals.com - May 19 at 6:47 AM
finance.yahoo.com logoFinancial Institutions, Inc. Announces Withdrawal of Common Stock Offering
finance.yahoo.com - May 19 at 6:47 AM
finance.yahoo.com logoFinancial Institutions, Inc. breached its 50 day moving average in a Bearish Manner : FISI-US : May 17, 2017
finance.yahoo.com - May 17 at 10:43 AM
feeds.benzinga.com logoFinancial Institutions, Inc. Announces Commencement of Common Stock Offering
feeds.benzinga.com - May 15 at 6:18 PM
americanbankingnews.com logoFinancial Institutions, Inc. (FISI) Expected to Announce Earnings of $0.48 Per Share
www.americanbankingnews.com - May 11 at 10:10 PM
feeds.benzinga.com logoHope Bancorp to Present at D.A. Davidson Financial Institutions Conference
feeds.benzinga.com - May 5 at 3:16 PM
feeds.benzinga.com logoWSFS to Present at the D.A. Davidson Companies 19th Annual Financial Institutions Conference
feeds.benzinga.com - May 4 at 5:30 PM
fool.com logoThe 10 Largest Financial Institutions in the World by Market Value
www.fool.com - May 3 at 11:31 PM
finance.yahoo.com logoFinancial Institutions, Inc. breached its 50 day moving average in a Bearish Manner : FISI-US : May 3, 2017
finance.yahoo.com - May 3 at 10:06 AM
americanbankingnews.com logoFinancial Institutions (FISI) Receives Daily News Impact Score of 0.31
www.americanbankingnews.com - May 2 at 10:26 PM
finance.yahoo.com logoFinancial Institutions, Inc. Nominates Donald K. Boswell to Board of Directors
finance.yahoo.com - May 1 at 5:01 PM
americanbankingnews.com logoFinancial Institutions (FISI) Given Media Impact Rating of 0.31
www.americanbankingnews.com - April 29 at 4:19 PM
americanbankingnews.com logoFinancial Institutions (FISI) Earning Positive Media Coverage, Report Shows
www.americanbankingnews.com - April 26 at 5:58 PM
americanbankingnews.com logoFinancial Institutions, Inc. (FISI) Posts Earnings Results
www.americanbankingnews.com - April 26 at 3:51 PM
fool.com logoFinancial Institutions Earnings: Steady as She Goes
www.fool.com - April 26 at 2:54 PM
marketbeat.com logoFinancial Institutions posts 1Q profit
marketbeat.com - April 25 at 5:28 PM
finance.yahoo.com logoFinancial Institutions, Inc. Announces First Quarter 2017 Results
finance.yahoo.com - April 25 at 4:50 PM
americanbankingnews.com logoZacks: Analysts Set $32.33 Target Price for Financial Institutions, Inc. (FISI)
www.americanbankingnews.com - April 24 at 7:58 PM
americanbankingnews.com logoFinancial Institutions (FISI) Receives Coverage Optimism Score of 0.31
www.americanbankingnews.com - April 23 at 6:35 PM
finance.yahoo.com logoFinancial Institutions, Inc. breached its 50 day moving average in a Bullish Manner : FISI-US : April 21, 2017
finance.yahoo.com - April 21 at 11:44 AM
americanbankingnews.com logoZacks: Brokerages Expect Financial Institutions, Inc. (FISI) Will Announce Earnings of $0.51 Per Share
www.americanbankingnews.com - April 21 at 9:51 AM
americanbankingnews.com logoFinancial Institutions (FISI) Earning Somewhat Favorable Press Coverage, Study Shows
www.americanbankingnews.com - April 16 at 1:25 PM
americanbankingnews.com logoFinancial Institutions (FISI) Getting Positive Press Coverage, Report Shows
www.americanbankingnews.com - April 13 at 2:58 PM
feeds.benzinga.com logoING appoints Mark Milders as head of Investor Relations
feeds.benzinga.com - March 30 at 6:06 AM
finance.yahoo.com logoFinancial Institutions, Inc. Announces Date of 2017 Annual Meeting of Shareholders
finance.yahoo.com - March 29 at 5:42 PM
biz.yahoo.com logoFINANCIAL INSTITUTIONS INC Files SEC form 8-K, Change in Directors or Principal Officers, Other Events, Financial Sta
biz.yahoo.com - March 29 at 5:42 PM
finance.yahoo.com logoFive Star Bank Names Key Executives
finance.yahoo.com - March 21 at 5:22 PM
bizjournals.com logoFive Star Bank names community development officers in Buffalo, Rochester
www.bizjournals.com - March 21 at 8:42 AM
finance.yahoo.com logoCoverage initiated on Financial Inst. by Hovde Group
finance.yahoo.com - March 20 at 7:28 PM
finance.yahoo.com logoFive Star Bank Names Two Community Development Officers
finance.yahoo.com - March 20 at 7:28 PM
americanbankingnews.com logoFinancial Institutions, Inc. (FISI) Now Covered by Hovde Group
www.americanbankingnews.com - March 20 at 12:43 PM
finance.yahoo.com logoFINANCIAL INSTITUTIONS INC Financials
finance.yahoo.com - March 11 at 5:08 PM
feeds.benzinga.com logoID.me Secures $19 Million Series B Growth Equity Investment, Led by FTV Capital to Transform Digital Identity
feeds.benzinga.com - March 8 at 6:25 AM
biz.yahoo.com logoFINANCIAL INSTITUTIONS INC Files SEC form 10-K, Annual Report
biz.yahoo.com - March 7 at 10:02 PM
finance.yahoo.com logoFive Star Bank Announces Today’s Opening of Downtown Buffalo Financial Solution Center
finance.yahoo.com - February 13 at 10:10 AM
feeds.benzinga.com logoWilliam E. Gallagher Named Managing Director of Scott Danahy Naylon
feeds.benzinga.com - February 3 at 11:22 AM
fool.com logoFinancial Institutions Reports Double-Digit Loan and Deposit Growth
www.fool.com - January 25 at 5:54 PM
us.rd.yahoo.com logo4:11 pm Financial Inst. reports Q4 results; beats the 2-analyst estimate by $0.05
us.rd.yahoo.com - January 24 at 10:53 PM

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Chart

Financial Institutions (FISI) Chart for Thursday, July, 20, 2017

This page was last updated on 7/20/2017 by MarketBeat.com Staff