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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.25
FISI's Cash to Debt is ranked higher than
58% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FISI: 0.25 )
FISI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.25

Equity to Asset 0.09
FISI's Equity to Asset is ranked higher than
65% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FISI: 0.09 )
FISI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.09

0.08
0.11
Interest Coverage 5.17
FISI's Interest Coverage is ranked higher than
91% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FISI: 5.17 )
FISI' s 10-Year Interest Coverage Range
Min: 0.08   Max: 5.17
Current: 5.17

0.08
5.17
F-Score: 5
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 33.17
FISI's Operating margin (%) is ranked higher than
80% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. FISI: 33.17 )
FISI' s 10-Year Operating margin (%) Range
Min: -286.71   Max: 45.15
Current: 33.17

-286.71
45.15
Net-margin (%) 22.81
FISI's Net-margin (%) is ranked higher than
78% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. FISI: 22.81 )
FISI' s 10-Year Net-margin (%) Range
Min: -158.03   Max: 29.08
Current: 22.81

-158.03
29.08
ROE (%) 10.46
FISI's ROE (%) is ranked higher than
84% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. FISI: 10.46 )
FISI' s 10-Year ROE (%) Range
Min: -13.57   Max: 16.16
Current: 10.46

-13.57
16.16
ROA (%) 0.92
FISI's ROA (%) is ranked higher than
79% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FISI: 0.92 )
FISI' s 10-Year ROA (%) Range
Min: -1.39   Max: 1.51
Current: 0.92

-1.39
1.51
ROC (Joel Greenblatt) (%) 19.38
FISI's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. FISI: 19.38 )
FISI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -133.93   Max: 291.26
Current: 19.38

-133.93
291.26
Revenue Growth (%) -2.30
FISI's Revenue Growth (%) is ranked higher than
66% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FISI: -2.30 )
FISI' s 10-Year Revenue Growth (%) Range
Min: -43.9   Max: 73.9
Current: -2.3

-43.9
73.9
EBITDA Growth (%) -1.10
FISI's EBITDA Growth (%) is ranked higher than
65% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FISI: -1.10 )
FISI' s 10-Year EBITDA Growth (%) Range
Min: -43.2   Max: 13.7
Current: -1.1

-43.2
13.7
EPS Growth (%) 2.60
FISI's EPS Growth (%) is ranked higher than
68% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FISI: 2.60 )
FISI' s 10-Year EPS Growth (%) Range
Min: -49.9   Max: 17.3
Current: 2.6

-49.9
17.3
» FISI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

FISI Guru Trades in Q3 2013

Jim Simons 66,300 sh (-18.75%)
» More
Q4 2013

FISI Guru Trades in Q4 2013

Jim Simons 62,100 sh (-6.33%)
» More
Q1 2014

FISI Guru Trades in Q1 2014

Jim Simons 81,829 sh (+31.77%)
» More
Q2 2014

FISI Guru Trades in Q2 2014

Jim Simons 41,900 sh (-48.8%)
» More
» Details

Insider Trades

Latest Guru Trades with FISI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Financial Institutions Inc

SymbolPriceYieldDescription
FIISO3.00282.708.48% Cum.Pfd Shs -B- Series -B-1
FIISP0.000.003 % Pfd Shs

Top Ranked Articles about Financial Institutions Inc

Insiders Report CFO and CEO Buys Costing Over $100,000
Over the past seven days we’ve seen several CEOs making sizeable buys as well as several coming from the companies’ CFOs. It is interesting to note when a CEO, or even a CFO, buys because these insiders supposedly have the most intimate knowledge of their company's workings. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.20
FISI's P/E(ttm) is ranked higher than
83% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. FISI: 12.20 )
FISI' s 10-Year P/E(ttm) Range
Min: 9.3   Max: 286.67
Current: 12.2

9.3
286.67
P/B 1.20
FISI's P/B is ranked higher than
68% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FISI: 1.20 )
FISI' s 10-Year P/B Range
Min: 0.26   Max: 1.94
Current: 1.2

0.26
1.94
P/S 2.60
FISI's P/S is ranked higher than
78% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FISI: 2.60 )
FISI' s 10-Year P/S Range
Min: 1.33   Max: 16.58
Current: 2.6

1.33
16.58
PFCF 10.20
FISI's PFCF is ranked higher than
82% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. FISI: 10.20 )
FISI' s 10-Year PFCF Range
Min: 2.46   Max: 14.9
Current: 10.2

2.46
14.9
EV-to-EBIT 13.33
FISI's EV-to-EBIT is ranked higher than
80% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. FISI: 13.33 )
FISI' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 109.9
Current: 13.33

5.4
109.9
PEG 2.64
FISI's PEG is ranked higher than
82% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FISI: 2.64 )
FISI' s 10-Year PEG Range
Min: 12.91   Max: 15.19
Current: 2.64

12.91
15.19
Shiller P/E 24.90
FISI's Shiller P/E is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. FISI: 24.90 )
FISI' s 10-Year Shiller P/E Range
Min: 7.5   Max: 46.65
Current: 24.9

7.5
46.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
FISI's Dividend Yield is ranked higher than
71% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. FISI: 3.40 )
FISI' s 10-Year Dividend Yield Range
Min: 1.32   Max: 16.36
Current: 3.4

1.32
16.36
Dividend Payout 0.41
FISI's Dividend Payout is ranked higher than
68% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FISI: 0.41 )
FISI' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.25
Current: 0.41

0.11
1.25
Dividend growth (3y) 22.80
FISI's Dividend growth (3y) is ranked higher than
90% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FISI: 22.80 )
FISI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 53.6
Current: 22.8

0
53.6
Yield on cost (5-Year) 7.52
FISI's Yield on cost (5-Year) is ranked higher than
89% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. FISI: 7.52 )
FISI' s 10-Year Yield on cost (5-Year) Range
Min: 2.92   Max: 36.18
Current: 7.52

2.92
36.18
Share Buyback Rate -8.30
FISI's Share Buyback Rate is ranked higher than
61% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FISI: -8.30 )
FISI' s 10-Year Share Buyback Rate Range
Min: 1.7   Max: -8.5
Current: -8.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.55
FISI's Price/Tangible Book is ranked higher than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. FISI: 1.55 )
FISI' s 10-Year Price/Tangible Book Range
Min: 0.82   Max: 3.82
Current: 1.55

0.82
3.82
Price/DCF (Projected) 0.63
FISI's Price/DCF (Projected) is ranked higher than
81% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FISI: 0.63 )
FISI' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.74
Current: 0.63

0.2
0.74
Price/Median PS Value 1.08
FISI's Price/Median PS Value is ranked higher than
76% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FISI: 1.08 )
FISI' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 6.27
Current: 1.08

0.57
6.27
Price/Graham Number 0.86
FISI's Price/Graham Number is ranked higher than
80% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FISI: 0.86 )
FISI' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 2.71
Current: 0.86

0.56
2.71
Earnings Yield (Greenblatt) 7.50
FISI's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FISI: 7.50 )
FISI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 18.4
Current: 7.5

0.9
18.4
Forward Rate of Return (Yacktman) 8.84
FISI's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. FISI: 8.84 )
FISI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.2   Max: 21.7
Current: 8.84

1.2
21.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FIISO.USA
Financial Institutions, Inc.was organized in 1931 under the laws of New York State. The company, through its subsidiaries, including its wholly-owned, New York State chartered banking subsidiary, Five Star Bank, Financial Institutions, Inc. provides deposit, lending and other financial services to individuals and businesses in Central and Western New York State. The company offers loans including commercial and agricultural working capital and revolving lines of credit, commercial and agricultural mortgages, equipment loans, crop and livestock loans, residential mortgage loans and home equity loans and lines of credit, home improvement loans, automobile loans and personal loans. In addition to commercial loans secured by real estate, it makes commercial real estate loans to finance the purchase of real property, which generally consists of real estate with completed structures. It participates in government loan guarantee programs offered by the SBA, United States Department of Agriculture, Rural Economic and Community Development and Farm Service Agency, among others. The company offers a variety of loan products to its consumer customers located in Western and Central New York, including home equity loans and lines of credit, automobile loans, secured installment loans and various other types of secured and unsecured personal loans. The company originates fixed and variable rate one-to-four family residential mortgages collateralized by owner-occupied properties located in its market areas. It offers a variety of real estate loan products, which are generally amortized for periods up to 30 years. Loans collateralized by one-to-four family residential real estate generally have been originated in amounts of no more than 80% of appraised value or have mortgage insurance. The company provides a range of consumer and commercial banking and financial services to individuals, municipalities and businesses in counties of Western and Central New York State. The Company faces significant competition in both making loans and attracting deposits, as both Western and Central New York have a high density of financial institutions. Its competition for loans comes principally from commercial banks, savings banks, savings and loan associations, mortgage banking companies, credit unions, insurance companies and other financial service companies.
» More Articles for FISI

Headlines

Articles On GuruFocus.com
Top Insider Buys Highlight: Financial Institutions Inc. Jul 30 2014 
CFO and CEO Insider Buys Costing Over $100,000 Jul 29 2014 
9 Dividend Stocks Providing an Inflation Hedge with Increased Dividends Aug 26 2013 
This Company Is Spicing Up Its Dividend with Another Increase Dec 03 2012 
This Comapny Is Spicing Up Its Dividend With Another Increase Nov 30 2012 
Financial Institutions Inc. Reports Operating Results (10-K) Mar 07 2011 
Financial Institutions Inc. (FISI) Pres & CEO Peter G Humphrey sells 1,444 Shares Dec 07 2010 
Financial Institutions Inc. Reports Operating Results (10-Q) Nov 02 2010 
Financial Institutions Inc. (FISI) Pres & CEO Peter G Humphrey sells 1,000 Shares Aug 05 2010 
Financial Institutions Inc. (FISI) Pres & CEO Peter G Humphrey sells 2,000 Shares Aug 04 2010 

More From Other Websites
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Change in Directors or Principal Officers Sep 04 2014
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FINANCIAL INSTITUTIONS INC Files SEC form 10-Q, Quarterly Report Aug 05 2014
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Financial Institutions, Inc. Completes Acquisition of Scott Danahy Naylon Co., Inc. Aug 01 2014
Insiders Report CFO and CEO Buys Costing Over $100,000 Jul 29 2014
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 23 2014
Financial Institutions, Inc. Reports Second Quarter 2014 Net Income of $7.0 Million Jul 23 2014
Q2 2014 Financial Institutions Inc Earnings Release - After Market Close Jul 23 2014
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 28 2014
Financial Institutions to acquire Scott Danahy Naylon insurance agency May 28 2014
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Change in Directors or Principal Officers May 23 2014
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial... May 21 2014
Financial Institutions management to meet with Sterne Agee May 19 2014
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FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 07 2014

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