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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)286.13m
- Net income in USD48.81m
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Orange County Bancorp Inc | 117.77m | 29.48m | 243.55m | 197.00 | 8.22 | 1.47 | 7.75 | 2.39 | 5.24 | 5.24 | 18.09 | 29.26 | -- | -- | -- | -- | 1.24 | -- | -- | -- | -- | -- | 28.95 | -- | -- | -- | -- | -- | 39.83 | -- | 20.99 | -- | -- | -- |
| First Bancorp Inc | 134.25m | 27.57m | 246.64m | 271.00 | 8.92 | 1.02 | 10.64 | 3.16 | 2.48 | 2.48 | 7.04 | 21.80 | -- | -- | -- | -- | 0.9523 | 1.30 | -- | -- | -- | -- | 35.29 | 38.97 | -- | -- | -- | 44.75 | 37.77 | 12.69 | -24.29 | 4.63 | 12.17 | 5.42 |
| Bank of Marin Bancorp | 139.50m | 19.90m | 247.23m | 329.00 | 12.21 | 0.5583 | 10.59 | 2.29 | 1.24 | 1.24 | 6.72 | 27.17 | -- | -- | -- | -- | 0.5004 | 0.9522 | -- | -- | -- | -- | 18.46 | 28.74 | -- | -- | -- | 41.63 | 7.27 | 7.97 | -57.29 | -9.42 | 14.03 | 9.51 |
| Northrim BanCorp Inc | 131.95m | 25.39m | 247.87m | 472.00 | 10.03 | 1.06 | 8.30 | 1.91 | 4.50 | 4.50 | 22.90 | 42.57 | -- | -- | -- | -- | 0.9265 | 1.30 | -- | -- | -- | -- | 19.59 | 23.46 | -- | -- | -- | 34.58 | 31.52 | 15.51 | -17.39 | 5.39 | 9.41 | 18.66 |
| Third Coast Bancshares Inc | 266.54m | 28.67m | 252.41m | 365.00 | 10.56 | 0.611 | 7.81 | 1.71 | 1.76 | 1.76 | 9.17 | 30.28 | -- | -- | -- | -- | 0.8177 | -- | -- | -- | -- | -- | 22.61 | -- | -- | -- | -- | -- | 73.14 | -- | 66.26 | -- | -- | -- |
| MVB Financial Corp | 189.82m | 22.45m | 252.58m | 445.00 | 11.37 | 0.8672 | 9.28 | 1.77 | 1.73 | 2.41 | 11.00 | 22.68 | -- | -- | -- | -- | 0.6964 | 1.07 | -- | -- | -- | -- | 15.54 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| Bank7 Corp | 127.45m | 29.96m | 252.85m | 123.00 | 8.48 | 1.40 | 12.87 | 2.66 | 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 |
| Financial Institutions Inc | 286.13m | 48.81m | 253.64m | 624.00 | 5.20 | 0.5783 | 4.46 | 1.19 | 3.16 | 3.16 | 13.83 | 29.52 | -- | -- | -- | -- | 0.8407 | 1.05 | -- | -- | -- | -- | 23.49 | 27.68 | -- | -- | -- | 32.51 | 45.91 | 13.38 | -11.45 | 5.10 | 1.03 | 4.83 |
| Carter Bankshares Inc | 196.42m | 23.19m | 256.01m | 679.00 | 11.12 | 0.7268 | 8.64 | 1.82 | 1.00 | 1.00 | 6.08 | 15.30 | -- | -- | -- | -- | 0.5365 | 0.4126 | -- | -- | -- | -- | 16.63 | 12.20 | -- | -- | -- | -- | 22.62 | 5.26 | -53.46 | 14.26 | -7.68 | -- |
| Primis Financial Corp | 205.89m | 9.94m | 260.15m | 565.00 | 26.18 | 0.6215 | 29.69 | 1.73 | 0.4026 | 0.4026 | 6.10 | 16.96 | -- | -- | -- | -- | 0.2058 | 0.6436 | -- | -- | -- | -- | 5.09 | 17.75 | -- | -- | -- | 45.42 | 63.31 | 11.61 | -43.97 | -21.66 | -- | 4.56 |
| Southern California Bancorp | 123.38m | 25.91m | 260.62m | 204.00 | 10.18 | 0.9014 | 9.37 | 2.11 | 1.39 | 1.39 | 6.61 | 15.69 | -- | -- | -- | 604,799.00 | -- | -- | -- | -- | -- | -- | 21.00 | -- | -- | 2.25 | 0.8766 | -- | 31.35 | -- | 60.80 | -- | -- | -- |
| Peoples Financial Services Corp | 149.85m | 27.38m | 261.10m | 375.00 | 9.67 | 0.765 | 8.62 | 2.59 | 3.82 | 3.82 | 14.10 | 48.35 | -- | -- | -- | -- | 0.7506 | 1.07 | -- | -- | -- | -- | 27.16 | 32.44 | -- | -- | -- | 33.17 | 34.60 | 12.10 | -28.12 | 1.90 | 7.81 | 4.60 |
| Sierra Bancorp | 163.12m | 34.84m | 262.05m | 491.00 | 7.57 | 0.7828 | 6.88 | 1.84 | 2.36 | 2.36 | 9.69 | 22.85 | -- | -- | -- | -- | 0.9496 | 1.15 | -- | -- | -- | -- | 24.40 | 27.47 | -- | -- | -- | 35.21 | 33.90 | 9.92 | 3.52 | 3.26 | -14.64 | 7.53 |
| Fidelity D&D Bancorp Inc | 93.84m | 18.21m | 262.22m | 291.00 | 14.33 | 1.38 | 10.97 | 3.57 | 3.19 | 3.19 | 12.85 | 33.22 | -- | -- | -- | -- | 0.7461 | 1.05 | -- | -- | -- | -- | 24.79 | 28.22 | -- | -- | -- | 33.16 | 19.27 | 21.57 | -39.34 | 10.59 | 14.25 | 9.04 |
| ACNB Corp | 96.64m | 31.69m | 264.52m | 413.00 | 8.37 | 0.954 | 7.55 | 2.48 | 3.72 | 3.72 | 12.52 | 32.60 | -- | -- | -- | -- | 1.28 | 1.18 | -- | -- | -- | -- | 29.68 | 28.82 | -- | -- | -- | 31.58 | 11.02 | 8.42 | -11.37 | 7.82 | -7.69 | 5.08 |
| Unity Bancorp, Inc. | 148.08m | 39.01m | 265.11m | 227.00 | 6.93 | 0.9938 | 8.15 | 2.56 | 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 |
Data as of Apr 19 2024. Currency figures normalised to Financial Institutions Inc's reporting currency: US Dollar USD
34.71%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 1.16m | 7.51% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 1.03m | 6.67% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 755.88k | 4.91% |
| Commonwealth Equity Services LLCas of 31 Dec 2023 | 573.33k | 3.72% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 353.40k | 2.29% |
| LSV Asset Managementas of 31 Dec 2023 | 344.96k | 2.24% |
| Geode Capital Management LLCas of 31 Dec 2023 | 325.36k | 2.11% |
| The Canandaigua National Bank & Trust Co. (Invt Mgmt)as of 31 Mar 2024 | 300.67k | 1.95% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 277.09k | 1.80% |
| Acadian Asset Management LLCas of 31 Dec 2023 | 233.72k | 1.52% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
