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About the company
Financial Institutions, Inc. is a financial holding company. The Company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. It offers a range of deposit, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. It offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
- Revenue in USD (TTM)300.78m
- Net income in USD38.79m
- Incorporated1931
- Employees624.00
- LocationFinancial Institutions Inc220 Liberty StWARSAW 14569United StatesUSA
- Phone+1 (716) 786-1100
- Websitehttps://financialinstitutionsinc.q4ir.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Unity Bancorp, Inc. | 148.08m | 39.01m | 276.08m | 227.00 | 7.22 | 1.04 | 6.47 | 2.67 | 3.81 | 3.81 | 10.10 | 26.56 | -- | -- | -- | -- | 1.55 | 1.58 | -- | -- | -- | -- | 37.73 | 37.15 | -- | -- | -- | 12.37 | 42.44 | 16.36 | 3.25 | 12.62 | -8.72 | 12.20 |
| Orange County Bancorp Inc | 117.77m | 29.48m | 277.39m | 197.00 | 9.36 | 1.68 | 8.82 | 2.72 | 5.24 | 5.24 | 18.09 | 29.26 | -- | -- | -- | -- | 1.24 | -- | -- | -- | -- | -- | 28.95 | -- | -- | -- | -- | -- | 39.83 | -- | 20.99 | -- | -- | -- |
| Bank7 Corp | 127.45m | 29.96m | 277.89m | 123.00 | 9.32 | 1.54 | 8.90 | 2.92 | 3.23 | 3.23 | 10.25 | 19.53 | -- | -- | -- | -- | 1.74 | 1.78 | -- | -- | -- | -- | 31.49 | 34.80 | -- | -- | -- | 27.12 | 54.34 | 21.03 | -4.60 | 2.49 | 49.62 | -37.42 |
| Citizens & Northern Corporation | 117.70m | 23.03m | 278.31m | 404.00 | 11.94 | 1.06 | 10.83 | 2.67 | 1.52 | 1.52 | 6.85 | 17.01 | -- | -- | -- | -- | 0.9372 | 1.13 | -- | -- | -- | -- | 22.28 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
| Capital Bancorp Inc | 188.16m | 32.70m | 281.60m | 277.00 | 8.68 | 1.09 | 8.52 | 1.69 | 2.34 | 2.34 | 11.93 | 18.68 | -- | -- | -- | -- | 1.43 | 1.75 | -- | -- | -- | -- | 19.58 | 21.97 | -- | -- | -- | 5.23 | 21.61 | 21.52 | -14.19 | 22.95 | 4.44 | -- |
| First Business Financial Services Inc | 208.65m | 35.09m | 287.29m | 348.00 | 8.02 | 1.01 | 7.27 | 1.98 | 4.32 | 4.32 | 17.87 | 35.85 | -- | -- | -- | -- | 1.10 | 1.18 | -- | -- | -- | -- | 25.44 | 26.46 | -- | -- | -- | 21.10 | 60.61 | 16.39 | -9.87 | 17.00 | 24.38 | 9.86 |
| Orrstown Financial Services Inc | 158.27m | 35.04m | 287.31m | 410.00 | 7.98 | 1.06 | 7.29 | 2.18 | 3.36 | 3.36 | 12.62 | 25.38 | -- | -- | -- | -- | 1.13 | 1.00 | -- | -- | -- | -- | 26.61 | 22.98 | -- | -- | -- | 28.95 | 37.96 | 17.95 | 61.83 | 22.73 | -13.70 | 9.42 |
| Peoples Financial Services Corp | 154.57m | 23.27m | 289.35m | 375.00 | 12.58 | 0.851 | 11.05 | 2.99 | 3.26 | 3.26 | 13.58 | 48.18 | -- | -- | -- | -- | 0.6333 | 1.07 | -- | -- | -- | -- | 24.03 | 32.44 | -- | -- | -- | 33.17 | 34.60 | 12.10 | -28.12 | 1.90 | 7.81 | 4.60 |
| Financial Institutions Inc | 300.78m | 38.79m | 290.25m | 624.00 | 7.50 | 0.6775 | 6.20 | 1.37 | 2.51 | 2.51 | 13.69 | 28.86 | -- | -- | -- | -- | 0.6562 | 1.05 | -- | -- | -- | -- | 18.97 | 27.68 | -- | -- | -- | 32.51 | 45.91 | 13.38 | -11.45 | 5.10 | 1.03 | 4.83 |
| Third Coast Bancshares Inc | 288.04m | 29.79m | 296.27m | 365.00 | 11.93 | 0.6977 | 8.83 | 1.93 | 1.82 | 1.82 | 9.51 | 31.03 | -- | -- | -- | -- | 0.8104 | -- | -- | -- | -- | -- | 22.50 | -- | -- | -- | -- | -- | 73.14 | -- | 66.26 | -- | -- | -- |
| Finemark Holdings Inc | 151.40m | 3.91m | 296.38m | -- | 75.50 | 0.8998 | 234.11 | 3.59 | 0.3258 | 0.3258 | 6.88 | 27.34 | -- | -- | -- | -- | 0.0979 | 0.6004 | -- | -- | -- | -- | 4.73 | 20.49 | -- | -- | -- | -- | 48.48 | 17.69 | -77.20 | -19.53 | -28.80 | -- |
| West Bancorporation Inc | 167.70m | 22.10m | 297.61m | 181.00 | 13.43 | 1.33 | 12.36 | 3.89 | 1.32 | 1.32 | 4.56 | 13.31 | -- | -- | -- | -- | 0.5826 | 1.15 | -- | -- | -- | -- | 28.89 | 40.07 | -- | -- | -- | 42.01 | 29.96 | 13.58 | -47.98 | -3.27 | 180.38 | 5.09 |
| American Business Bank | -100.00bn | -100.00bn | 297.87m | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Northrim BanCorp Inc | 137.96m | 28.76m | 301.98m | 472.00 | 10.70 | 1.26 | 9.06 | 2.25 | 5.13 | 5.13 | 23.89 | 43.52 | -- | -- | -- | -- | 1.08 | 1.30 | -- | -- | -- | -- | 21.47 | 23.46 | -- | -- | -- | 34.58 | 31.52 | 15.51 | -17.39 | 5.39 | 9.41 | 18.66 |
| Home Bancorp, Inc. | 169.67m | 38.12m | 302.37m | 467.00 | 7.85 | 0.8134 | 7.00 | 2.28 | 4.74 | 4.74 | 16.52 | 45.73 | -- | -- | -- | -- | 1.15 | 1.28 | -- | -- | -- | -- | 28.69 | 29.70 | -- | -- | -- | 22.59 | 29.96 | 9.85 | 18.10 | 5.49 | -16.60 | 7.09 |
| Farmers & Merchants Bancorp Inc | 146.66m | 21.44m | 302.78m | 465.00 | 13.98 | 0.9532 | 10.96 | 3.17 | 1.58 | 1.58 | 7.06 | 23.22 | -- | -- | -- | -- | 0.682 | 1.03 | -- | -- | -- | -- | 22.67 | 27.35 | -- | -- | -- | 38.19 | 38.22 | 24.67 | -30.07 | 8.78 | 32.98 | 9.24 |
Data as of May 22 2024. Currency figures normalised to Financial Institutions Inc's reporting currency: US Dollar USD
34.34%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2024 | 1.12m | 7.25% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 1.02m | 6.64% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 772.54k | 5.01% |
| Commonwealth Equity Services LLCas of 31 Mar 2024 | 453.75k | 2.95% |
| LSV Asset Managementas of 31 Mar 2024 | 344.96k | 2.24% |
| Courier Capital LLCas of 31 Mar 2024 | 338.69k | 2.20% |
| Geode Capital Management LLCas of 31 Mar 2024 | 334.30k | 2.17% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 305.10k | 1.98% |
| PL Capital Advisors LLCas of 31 Mar 2024 | 301.28k | 1.96% |
| The Canandaigua National Bank & Trust Co. (Invt Mgmt)as of 31 Mar 2024 | 300.67k | 1.95% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
