Financial Institutions, Inc.
General ticker "FISI" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $408.3M (TTM average)
Financial Institutions, Inc. follows the US Stock Market performance with the rate: 62.6%.
Estimated limits based on current volatility of 0.8%: low 30.89$, high 31.40$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-15, amount 0.31$ (Y3.97%)
- Total employees count: 598 (-4.2%) as of 2024
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Market competition, Cybersecurity threats, Regulatory and compliance, Acquisition/divestiture risks, Economic downturns and volatility
- Current price 11.9% above estimated high
- Earnings for 18 months up through Q2 (+1 year) exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [18.86$, 25.72$]
- 2024-12-30 to 2025-12-30 estimated range: [20.38$, 27.92$]
Financial Metrics affecting the FISI estimates:
- Positive: with PPE of 6.3 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 29.55 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Shareholder equity ratio, % of 7.38 <= 18.93
- Positive: Industry operating profit margin (median), % of 23.49 > 9.92
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.81
- Positive: 0.33 < Operating cash flow per share per price, % of 3.34
Short-term FISI quotes
Long-term FISI plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $202.07MM | $214.46MM | $214.21MM |
| Operating Expenses | $104.41MM | $142.67MM | $150.91MM |
| Operating Income | $97.65MM | $71.78MM | $63.30MM |
| Non-Operating Income | $-0.43MM | $-0.81MM | $-0.25MM |
| Interest Expense | $12.47MM | $28.73MM | $120.42MM |
| Income(Loss) | $97.22MM | $70.97MM | $63.05MM |
| Taxes | $19.52MM | $14.40MM | $12.79MM |
| Profit(Loss)* | $77.70MM | $56.57MM | $50.26MM |
| Stockholders Equity | $505.14MM | $405.61MM | $454.80MM |
| Assets | $5,520.78MM | $5,797.27MM | $6,160.88MM |
| Operating Cash Flow | $72.96MM | $133.57MM | $10.89MM |
| Capital expenditure | $9.40MM | $8.37MM | $2.99MM |
| Investing Cash Flow | $-633.42MM | $-325.16MM | $-310.09MM |
| Financing Cash Flow | $545.69MM | $242.94MM | $293.17MM |
| Earnings Per Share** | $4.90 | $3.68 | $3.27 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.