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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| FISI | +10.61% | +100.92% | +14.98% | +329% |
| S&P | +15.06% | +95.03% | +14.29% | +412% |
Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. It operates through the following segments: Banking, Non-Banking, and Holding Company and Other. The Banking segment includes retail and commercial banking operations. The Non-Banking segment consists of the activities of SDN, a full-service insurance agency that offers insurance services to both personal and business clients, and Courier Capital, an investment advisor and wealth management firm that delivers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. The company was founded in 1931 and is headquartered in Warsaw, NY.
A "realignment" should hopefully bring better results for the company in 2024.
The bank holding company reported a 4% increase in net income thanks to stable net interest margins and modest loan growth.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $92.84M | -8.6% |
| Market Cap | $516.42M | 73.0% |
| Market Cap / Employee | $0.86M | 0.0% |
| Employees | 598 | -4.2% |
| Net Income | $17.53M | -31.6% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $145.67M | -7.1% |
| Short Term Debt | $102.48M | -49.6% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | -0.57% | -1.4% |
| Return On Invested Capital | 6.67% | -3.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$5.49M | -115.2% |
| Operating Free Cash Flow | -$3.90M | -110.5% |
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 6.74 | 7.50 | 5.99 | 8.01 | - |
| Price to Book | 0.82 | 0.87 | 0.91 | 0.90 | 29.46% |
| Price to Sales | 1.08 | 1.70 | 1.91 | 2.03 | 147.52% |
| Price to Tangible Book Value | 0.93 | 1.00 | 1.02 | 1.01 | 20.37% |
| Price to Free Cash Flow TTM | 14.32 | 8.54 | 10.53 | 108.60 | - |
| Free Cash Flow Yield | 7.0% | 11.7% | 9.5% | 0.9% | - |
| Return on Equity | 11.2% | -8.1% | -5.2% | -6.5% | -156.68% |
| Total Debt | $212.96M | $256.61M | $212.55M | $248.15M | -31.12% |
FISI earnings call for the period ending September 30, 2020.
FISI earnings call for the period ending June 30, 2020.
FISI earnings call for the period ending March 31, 2020.
FISI earnings call for the period ending December 31, 2019.
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