FISI Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for FISI from our risk checks.
Community Narratives
Create a narrativeNarratives bring a range of perspectives from our community.
Financial Institutions, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$28.86 |
| 52 Week High | US$29.14 |
| 52 Week Low | US$16.29 |
| Beta | 0.94 |
| 1 Month Change | 6.22% |
| 3 Month Change | 12.87% |
| 1 Year Change | 42.31% |
| 3 Year Change | -8.47% |
| 5 Year Change | -11.34% |
| Change since IPO | 92.40% |
Recent News & Updates
Recent updates
Financial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally
Oct 31Financial Institutions Offers Some Additional Upside From Here
Aug 12Should Shareholders Reconsider Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Compensation Package?
May 30
Financial Institutions (NASDAQ:FISI) Is Due To Pay A Dividend Of $0.30
May 26Financial Institutions: Dividend Yield Over 6%, High Potential Price Upside
May 13Financial Institutions (NASDAQ:FISI) Is Increasing Its Dividend To $0.30
Feb 24Financial Institutions Is Very Cheap, But Now Is Not The Right Time To Buy
Sep 23Financial Institutions declares $0.29 dividend
Aug 22Financial Institutions Q2 GAAP EPS, revenue beats
Jul 28Financial Institutions' (NASDAQ:FISI) Shareholders Will Receive A Bigger Dividend Than Last Year
Feb 22Shareholder Returns
| FISI | US Banks | US Market | |
|---|---|---|---|
| 7D | 8.0% | -2.1% | -0.4% |
| 1Y | 42.3% | 33.7% | 27.7% |
Return vs Industry: FISI exceeded the US Banks industry which returned 33.7% over the past year.
Return vs Market: FISI exceeded the US Market which returned 27.7% over the past year.
Price Volatility
| FISI volatility | |
|---|---|
| FISI Average Weekly Movement | 5.8% |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: FISI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: FISI's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1817 | 624 | Marty Birmingham | www.fisi-investors.com |
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. 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. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans.
Financial Institutions, Inc. Fundamentals Summary
| FISI fundamental statistics | |
|---|---|
| Market cap | US$444.89m |
| Earnings (TTM) | US$49.49m |
| Revenue (TTM) | US$216.61m |
9.0x
P/E Ratio0.9x
P/B RatioIs FISI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FISI income statement (TTM) | |
|---|---|
| Revenue | US$216.61m |
| Cost of Revenue | US$0 |
| Gross Profit | US$216.61m |
| Other Expenses | US$167.12m |
| Earnings | US$49.49m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.20 |
| Gross Margin | 100.00% |
| Net Profit Margin | 22.85% |
| Debt/Equity Ratio | 42.3% |
How did FISI perform over the long term?
See historical performance and comparisonDividends
4.2%
Current Dividend Yield37%
Payout RatioDoes FISI pay a reliable dividends?
See FISI dividend history and benchmarks| Financial Institutions dividend dates | |
|---|---|
| Ex Dividend Date | Dec 13 2024 |
| Dividend Pay Date | Jan 02 2025 |
| Days until Ex dividend | 1 day |
| Days until Dividend pay date | 19 days |
Does FISI pay a reliable dividends?
See FISI dividend history and benchmarks