Financial Institutions Financials

FISI Stock  USD 25.37  0.31  1.21%   
Based on the key indicators related to Financial Institutions' liquidity, profitability, solvency, and operating efficiency, Financial Institutions is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. As of now, Financial Institutions' Cash And Short Term Investments are increasing as compared to previous years. The Financial Institutions' current Non Current Liabilities Total is estimated to increase to about 5.7 B, while Total Assets are projected to decrease to under 3.3 B. Key indicators impacting Financial Institutions' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Income327.2 M311.7 M
Sufficiently Up
Slightly volatile
Current Ratio7.357.7374
Notably Down
Pretty Stable
The financial analysis of Financial Institutions is a critical element in measuring its lifeblood. Investors should not minimize Financial Institutions' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(39.56 Million)

  
Understanding current and past Financial Institutions Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Financial Institutions' financial statements are interrelated, with each one affecting the others. For example, an increase in Financial Institutions' assets may result in an increase in income on the income statement.

Financial Institutions Stock Summary

Financial Institutions competes with First Community, Community West, First Financial, First Northwest, and Home Federal. 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York. Financial Institut operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 650 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3175854047
CUSIP317585404
LocationNew York; U.S.A
Business Address220 Liberty Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitefinancialinstitutionsinc.q4ir.com/overview
Phone585 786 1100
CurrencyUSD - US Dollar

Financial Institutions Key Financial Ratios

Financial Institutions Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets4.4B5.0B5.3B6.2B6.1B3.3B
Other Current Liab(5.3M)(538K)(211.0M)3.0B(124.9M)(118.6M)
Net Debt(88.6M)(78.6M)148.8M218.9M44.0M41.8M
Retained Earnings324.9M384.0M421.3M451.7M388.7M229.1M
Cash93.9M79.1M130.5M124.4M55.0M70.7M
Other Assets2.7B2.2B2.8B7.8M5.1B3.2B
Total Liab4.4B5.0B5.4B5.7B5.5B3.1B
Total Current Assets721.9M1.3B1.1B124.4M966.1M1.5B
Short Term Debt5.3M538K205M185M99M160.6M
Other Liab45.2M44.9M84.6M102.0M117.3M123.2M
Accounts Payable4.3B4.8B6.0M19.4M25.9M24.6M
Long Term Debt73.6M73.9M74.2M124.5M124.8M131.1M
Inventory(146.8M)(97.2M)(151.4M)100.0M90.0M94.5M
Treasury Stock(2.0M)(1.2M)(9.2M)(22.3M)(20.1M)(19.1M)
Intangible Assets7.7M7.3M6.3M5.4M2.6M2.5M
Other Current Assets112.5M97.2M151.4M149.7M134.7M128.0M
Net Tangible Assets329.4M377.2M430.7M297.6M342.2M290.5M
Capital Surpluse124.6M125.1M126.1M126.6M145.6M110.8M

Financial Institutions Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense22.3M12.5M28.7M120.4M149.6M157.1M
Total Revenue182.1M199.6M212.4M48.2M313.2M328.9M
Gross Profit182.1M199.6M212.4M48.2M313.2M328.9M
Operating Income45.7M97.2M106.8M63.1M311.7M327.2M
Ebit47.7M99.6M73.2M63.1M72.5M62.8M
Ebitda53.6M105.3M79.1M63.1M72.5M67.1M
Income Before Tax45.7M97.2M71.0M63.1M(68.1M)(64.7M)
Net Income38.3M77.7M56.6M50.3M(41.6M)(39.6M)
Income Tax Expense7.4M19.5M14.4M12.8M(26.5M)(25.2M)
Tax Provision7.4M19.5M14.4M10.0M(26.5M)(25.2M)
Net Interest Income139.0M154.7M167.4M169.0M163.6M149.3M
Interest Income161.3M167.2M196.1M267.4M313.2M195.5M

Financial Institutions Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(19.1M)(14.8M)51.4M(6.0M)(37.1M)(35.3M)
Free Cash Flow39.2M63.6M125.2M7.9M77.1M40.2M
Depreciation7.9M8.0M8.1M8.1M9.6M6.2M
Other Non Cash Items27.3M(7.8M)20.0M7.9M109.3M114.7M
Dividends Paid18.0M18.5M19.1M19.7M1.5M1.4M
Capital Expenditures4.3M9.4M8.4M3.0M5.0M5.4M
Net Income38.3M77.7M56.6M50.3M(41.6M)(39.6M)
End Period Cash Flow93.9M79.1M130.5M124.4M87.3M82.6M
Investments(531.1M)(606.1M)(306.7M)(442.9M)(8.2M)(8.6M)
Net Borrowings(194M)(235.2M)24.7M175M157.5M165.4M
Change To Netincome6.5M24.1M1.7M(1.7M)(1.5M)(1.5M)

Financial Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Financial Institutions's current stock value. Our valuation model uses many indicators to compare Financial Institutions value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Financial Institutions competition to find correlations between indicators driving Financial Institutions's intrinsic value. More Info.
Financial Institutions is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . As of now, Financial Institutions' Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Financial Institutions' earnings, one of the primary drivers of an investment's value.

Financial Institutions Systematic Risk

Financial Institutions' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Financial Institutions volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on Financial Institutions correlated with the market. If Beta is less than 0 Financial Institutions generally moves in the opposite direction as compared to the market. If Financial Institutions Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Financial Institutions is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Financial Institutions is generally in the same direction as the market. If Beta > 1 Financial Institutions moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Financial Institutions Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Financial Institutions' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Financial Institutions growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.054

As of now, Financial Institutions' Price Earnings To Growth Ratio is decreasing as compared to previous years.

Financial Institutions March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Financial Institutions help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Financial Institutions. We use our internally-developed statistical techniques to arrive at the intrinsic value of Financial Institutions based on widely used predictive technical indicators. In general, we focus on analyzing Financial Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Financial Institutions's daily price indicators and compare them against related drivers.

Complementary Tools for Financial Stock analysis

When running Financial Institutions' price analysis, check to measure Financial Institutions' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Financial Institutions is operating at the current time. Most of Financial Institutions' value examination focuses on studying past and present price action to predict the probability of Financial Institutions' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Financial Institutions' price. Additionally, you may evaluate how the addition of Financial Institutions to your portfolios can decrease your overall portfolio volatility.
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