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About the company
Financial Institutions, Inc. is a financial holding company. It 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 deposits, 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. It offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. 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)315.87m
- Net income in USD-28.30m
- Incorporated1931
- Employees598.00
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Foundation Inc | 602.29m | -86.30m | 455.60m | 551.00 | -- | 0.4683 | -- | 3.32 | -1.26 | -1.26 | 1.90 | 12.87 | -- | -- | -- | -- | -0.6595 | 0.0244 | -- | -- | -- | -- | -62.95 | 1.00 | -- | -- | -- | 492.66 | 6.50 | 19.69 | 53.58 | -- | 4.11 | -36.90 |
| Bridgewater Bancshares Inc | 252.94m | 30.57m | 460.00m | 290.00 | 15.30 | 1.15 | 13.43 | 3.98 | 1.09 | 1.09 | 4.14 | 17.02 | -- | -- | -- | -- | 0.7024 | 1.05 | -- | -- | -- | -- | 29.94 | 35.18 | -- | -- | -- | 0.00 | 10.59 | 18.83 | -19.87 | -1.74 | -23.50 | -- |
| Arrow Financial Corp | 198.68m | 28.36m | 461.24m | 554.00 | 16.30 | 1.14 | 13.76 | 3.19 | 1.70 | 1.70 | 8.66 | 24.26 | -- | -- | -- | -- | 0.6458 | 1.02 | -- | -- | -- | -- | 19.60 | 28.52 | -- | -- | -- | 42.61 | 19.95 | 12.18 | -1.22 | -4.54 | -6.39 | 3.82 |
| ACNB Corp | 117.78m | 24.81m | 463.25m | 391.00 | 15.21 | 1.21 | 16.24 | 3.98 | 2.91 | 2.91 | 13.13 | 36.69 | -- | -- | -- | -- | 0.8728 | 1.18 | -- | -- | -- | -- | 21.32 | 28.67 | -- | -- | -- | 32.43 | 11.20 | 9.09 | 0.4986 | 6.07 | -7.58 | 5.15 |
| Bar Harbor Bankshares | 190.44m | 43.66m | 482.33m | 458.00 | 11.06 | 1.03 | 9.88 | 3.17 | 2.85 | 2.85 | 9.93 | 30.51 | -- | -- | -- | -- | 1.09 | 1.07 | -- | -- | -- | -- | 28.65 | 27.95 | -- | -- | -- | 37.74 | 8.35 | 6.87 | -2.92 | 14.00 | -4.24 | 6.53 |
| Dacotah Banks Inc | 102.78m | 27.24m | 489.29m | 186.00 | 14.05 | 1.35 | 15.21 | 4.49 | 2.44 | 1.86 | 9.75 | 25.37 | -- | -- | -- | -- | 1.13 | -- | -- | -- | -- | -- | 25.00 | 21.36 | -- | -- | -- | 19.72 | 6.91 | 3.18 | 4.20 | 6.04 | 11.64 | 7.47 |
| CNB Financial Corp | 329.94m | 48.80m | 503.50m | 769.00 | 10.28 | 0.8885 | 8.74 | 2.20 | 2.33 | 2.33 | 10.97 | 29.77 | -- | -- | -- | -- | 0.8838 | 1.01 | -- | -- | -- | -- | 23.31 | 25.84 | -- | -- | -- | 26.22 | 10.82 | 15.89 | -6.64 | 4.55 | 12.48 | 0.8672 |
| HarborOne Bancorp Inc | 268.94m | 25.61m | 523.37m | 535.00 | 19.50 | 0.9157 | 17.41 | 3.03 | 0.6232 | 0.6232 | 4.20 | 13.27 | -- | -- | -- | -- | 0.4429 | 0.7704 | -- | -- | -- | -- | 14.84 | 18.52 | -- | -- | -- | 28.07 | 11.10 | 11.89 | 70.47 | 8.45 | -22.52 | -- |
| Peapack-Gladstone Financial Corp | 334.95m | 31.95m | 526.40m | 620.00 | 16.60 | 0.846 | 14.42 | 2.20 | 1.79 | 1.79 | 13.41 | 35.08 | -- | -- | -- | -- | 0.4723 | 0.7629 | -- | -- | -- | -- | 13.35 | 21.43 | -- | -- | -- | 7.76 | 7.83 | 12.65 | -32.48 | -7.01 | 36.56 | 0.00 |
| Financial Institutions Inc | 315.87m | -28.30m | 541.55m | 598.00 | -- | 0.9457 | -- | 4.40 | -1.79 | -1.79 | 7.26 | 29.34 | -- | -- | -- | -- | -0.4247 | 0.6556 | -- | -- | -- | -- | -21.79 | 19.52 | -- | -- | -- | 51.69 | 9.47 | 13.16 | -188.32 | -- | 6.45 | 3.92 |
| Shore Bancshares Inc | 300.26m | 49.47m | 545.34m | 590.00 | 11.01 | 0.9871 | 8.33 | 2.63 | 1.48 | 1.48 | 6.21 | 16.55 | -- | -- | -- | -- | 0.8243 | 0.6252 | -- | -- | -- | -- | 23.90 | 18.47 | -- | -- | -- | 43.30 | 37.96 | 37.65 | 290.89 | 21.93 | 18.41 | 2.71 |
| Farmers National Banc Corp | 229.98m | 48.29m | 545.79m | 682.00 | 11.28 | 1.27 | 9.98 | 3.12 | 1.29 | 1.29 | 4.65 | 11.41 | -- | -- | -- | -- | 0.9434 | 1.24 | -- | -- | -- | -- | 27.64 | 31.74 | -- | -- | -- | 39.94 | 6.75 | 17.43 | -7.98 | 5.14 | 51.64 | 12.34 |
| Alerus Financial Corp | 240.72m | 24.57m | 568.95m | 846.00 | 20.75 | 1.11 | 15.70 | 2.34 | 1.08 | 1.08 | 10.73 | 20.27 | -- | -- | -- | -- | 0.5097 | 0.9319 | -- | -- | -- | -- | 10.14 | 15.61 | -- | -- | -- | 40.16 | 34.39 | 18.89 | 51.64 | -9.29 | 33.65 | 22.19 |
| Capital Bancorp Inc | 227.69m | 38.34m | 577.99m | 389.00 | 13.98 | 1.56 | 14.55 | 2.84 | 2.48 | 2.48 | 13.23 | 22.19 | -- | -- | -- | -- | 1.35 | 1.65 | -- | -- | -- | -- | 18.82 | 21.17 | -- | -- | -- | 7.83 | 16.43 | 21.02 | -13.66 | 12.89 | 48.07 | -- |
| SmartFinancial Inc | 257.71m | 38.04m | 601.91m | 597.00 | 15.68 | 1.19 | 12.25 | 3.38 | 2.26 | 2.26 | 10.57 | 29.72 | -- | -- | -- | -- | 0.7339 | 0.7855 | -- | -- | -- | -- | 21.34 | 22.47 | -- | -- | -- | 13.36 | 15.17 | 18.28 | 26.40 | 6.36 | 0.4302 | 26.19 |
| Midwestone Financial Group Inc (IOWA) | 299.48m | -48.42m | 630.96m | 757.00 | -- | 1.09 | -- | 7.66 | -3.53 | -3.53 | 4.50 | 27.85 | -- | -- | -- | -- | -0.7448 | 0.3247 | -- | -- | -- | -- | -58.77 | 11.66 | -- | -- | -- | 76.97 | 17.89 | 10.03 | -389.03 | -- | 1.92 | 3.67 |
Data as of Jul 03 2025. Currency figures normalised to Financial Institutions Inc's reporting currency: US Dollar USD
41.36%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2025 | 1.36m | 6.96% |
| PL Capital Advisors LLCas of 31 Mar 2025 | 1.26m | 6.48% |
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 1.02m | 5.23% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 1.01m | 5.19% |
| Adage Capital Management LPas of 31 Mar 2025 | 775.17k | 3.98% |
| Wellington Management Co. LLPas of 31 Mar 2025 | 612.13k | 3.14% |
| Ategra Capital Management LLCas of 31 Mar 2025 | 572.08k | 2.94% |
| Fourthstone LLCas of 31 Mar 2025 | 547.09k | 2.81% |
| Verition Fund Management LLCas of 31 Mar 2025 | 450.49k | 2.31% |
| Geode Capital Management LLCas of 31 Mar 2025 | 450.10k | 2.31% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
