Financial Institutions Future Growth

Future criteria checks 1/6

Financial Institutions is forecast to grow earnings and revenue by 6.1% and 3.5% per annum respectively. EPS is expected to grow by 5.7% per annum. Return on equity is forecast to be 11% in 3 years.

Key information

6.1%

Earnings growth rate

5.7%

EPS growth rate

Banks earnings growth	10.4%
Revenue growth rate	3.5%
Future return on equity	11.0%
Analyst coverage	Low
Last updated	20 Nov 2024

Recent future growth updates

Recent updates

Financial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally

Oct 31

Financial Institutions Offers Some Additional Upside From Here

Aug 12

Should Shareholders Reconsider Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Compensation Package?

May 30

Financial Institutions' (NASDAQ:FISI) Shareholders Will Receive A Bigger Dividend Than Last Year

Feb 22

Here's Why I Think Financial Institutions (NASDAQ:FISI) Might Deserve Your Attention Today

Aug 12

Financial Institutions: The Current Valuation Still Leaves Me Uninspired

Aug 02

It's Unlikely That Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Will See A Huge Pay Rise This Year

Jun 10

Earnings and Revenue Growth Forecasts

NasdaqGS:FISI - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	229	58	N/A	N/A	2
12/31/2025	212	49	N/A	N/A	2
12/31/2024	204	52	N/A	N/A	2
9/30/2024	217	49	-3	2	N/A
6/30/2024	221	50	40	44	N/A
3/31/2024	208	39	13	17	N/A
12/31/2023	200	49	8	11	N/A
9/30/2023	198	51	70	75	N/A
6/30/2023	198	51	61	67	N/A
3/31/2023	200	52	88	96	N/A
12/31/2022	200	55	125	134	N/A
9/30/2022	206	63	144	151	N/A
6/30/2022	206	66	117	124	N/A
3/31/2022	206	71	87	97	N/A
12/31/2021	210	76	64	73	N/A
9/30/2021	198	70	53	63	N/A
6/30/2021	191	66	56	64	N/A
3/31/2021	179	56	56	59	N/A
12/31/2020	155	37	39	43	N/A
9/30/2020	153	36	33	37	N/A
6/30/2020	152	37	34	39	N/A
3/31/2020	152	37	42	47	N/A
12/31/2019	162	47	54	58	N/A
9/30/2019	160	42	52	55	N/A
6/30/2019	155	40	61	64	N/A
3/31/2019	154	40	60	63	N/A
12/31/2018	150	38	62	65	N/A
9/30/2018	148	42	59	62	N/A
6/30/2018	143	39	N/A	54	N/A
3/31/2018	136	33	N/A	56	N/A
12/31/2017	133	32	N/A	46	N/A
9/30/2017	129	30	N/A	45	N/A
6/30/2017	128	30	N/A	46	N/A
3/31/2017	128	31	N/A	37	N/A
12/31/2016	127	30	N/A	47	N/A
9/30/2016	125	28	N/A	45	N/A
6/30/2016	123	28	N/A	44	N/A
3/31/2016	119	28	N/A	42	N/A
12/31/2015	117	27	N/A	43	N/A
9/30/2015	115	28	N/A	32	N/A
6/30/2015	113	27	N/A	34	N/A
3/31/2015	113	27	N/A	33	N/A
12/31/2014	111	28	N/A	35	N/A
9/30/2014	111	26	N/A	40	N/A
6/30/2014	108	25	N/A	34	N/A
3/31/2014	108	25	N/A	45	N/A
12/31/2013	107	24	N/A	37	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: FISI's forecast earnings growth (6.1% per year) is above the savings rate (2.6%).

Earnings vs Market: FISI's earnings (6.1% per year) are forecast to grow slower than the US market (15.4% per year).

High Growth Earnings: FISI's earnings are forecast to grow, but not significantly.

Revenue vs Market: FISI's revenue (3.5% per year) is forecast to grow slower than the US market (8.9% per year).

High Growth Revenue: FISI's revenue (3.5% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: FISI's Return on Equity is forecast to be low in 3 years time (11%).

Financial Institutions Future Growth

Future criteria checks 1/6

Key information

Recent future growth updates

Consensus EPS estimates increase by 19%

Price target increased by 19% to US$26.25

Consensus EPS estimates increase by 23%

Price target decreased by 7.5% to US$21.50

Price target increased by 7.9% to US$20.50

Price target decreased by 8.3% to US$19.25

Recent updates

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on January 2, 2025

Financial Institutions: Good Dividend Yield; Room For Price Upside Despite The Recent Rally

Financial Institutions, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024

Financial Institutions, Inc. to Report Q3, 2024 Results on Oct 24, 2024

Upcoming dividend of US$0.30 per share

Second quarter dividend of US$0.30 announced

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on October 2, 2024

Financial Institutions Offers Some Additional Upside From Here

Investor sentiment deteriorates as stock falls 16%

Consensus EPS estimates increase by 19%

Price target increased by 19% to US$26.25

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

Investor sentiment improves as stock rises 19%

Financial Institutions, Inc. to Report Q2, 2024 Results on Jul 25, 2024

Insufficient new directors

Upcoming dividend of US$0.30 per share

Should Shareholders Reconsider Financial Institutions, Inc.'s (NASDAQ:FISI) CEO Compensation Package?

Financial Institutions (NASDAQ:FISI) Is Due To Pay A Dividend Of $0.30

First quarter dividend of US$0.30 announced

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on July 2, 2024

Financial Institutions: Dividend Yield Over 6%, High Potential Price Upside

Consensus EPS estimates increase by 23%

Price target decreased by 7.5% to US$21.50

Financial Institutions, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2024

First quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

New major risk - Revenue and earnings growth

Financial Institutions, Inc. to Report Q1, 2024 Results on Apr 25, 2024

President exercised options and sold US$108k worth of stock

Financial Institutions, Inc., Annual General Meeting, Jun 05, 2024

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Upcoming dividend of US$0.30 per share

Fourth quarter dividend of US$0.30 announced

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on April 2, 2024

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Price target increased by 7.9% to US$20.50

Financial Institutions, Inc. Announces Changes to its Executive Leadership Team

Upcoming dividend of US$0.30 per share at 6.6% yield

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on January 2, 2024

Price target decreased by 8.3% to US$19.25

Financial Institutions, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2023

Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Financial Institutions, Inc. to Report Q3, 2023 Results on Oct 26, 2023

Financial Institutions, Inc. Announces Executive Changes

Upcoming dividend of US$0.30 per share at 7.0% yield

Financial Institutions, Inc. Expects Net Charge-Offs for the Full Year of 2023

Second quarter 2023 earnings: EPS and revenues exceed analyst expectations

Financial Institutions, Inc. to Report Q2, 2023 Results on Jul 27, 2023

Price target decreased by 8.5% to US$21.67

Price target decreased by 8.2% to US$22.33

Upcoming dividend of US$0.30 per share at 7.1% yield

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on July 3, 2023

Independent Director recently bought US$151k worth of stock

Price target decreased by 8.2% to US$26.00

Price target decreased by 8.0% to US$26.67

Full year 2022 earnings: EPS misses analyst expectations

Upcoming dividend of US$0.30 per share at 4.8% yield

Financial Institutions (NASDAQ:FISI) Is Increasing Its Dividend To $0.30

Financial Institutions, Inc. Approves Quarterly Cash Dividend, Payable on April 3, 2023

Full year 2022 earnings: EPS misses analyst expectations

Financial Institutions, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022

Financial Institutions, Inc. Promotes W. Jack Plants II as Executive Vice President

Financial Institutions, Inc. to Report Q4, 2022 Results on Jan 30, 2023

Upcoming dividend of US$0.29 per share

Financial Institutions, Inc. Announces Quarterly Cash Dividend, Payable on January 3, 2023

Third quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Price target decreased to US$31.67

Financial Institutions, Inc. to Report Q3, 2022 Results on Oct 27, 2022

Financial Institutions Is Very Cheap, But Now Is Not The Right Time To Buy

Upcoming dividend of US$0.29 per share