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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.51
FISI's Cash to Debt is ranked lower than
71% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. FISI: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
FISI' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.43 Max: N/A
Current: 0.51
Equity to Asset 0.09
FISI's Equity to Asset is ranked lower than
60% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FISI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FISI' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.09
0.08
0.11
Interest Coverage 3.53
FISI's Interest Coverage is ranked higher than
72% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FISI: 3.53 )
Ranked among companies with meaningful Interest Coverage only.
FISI' s Interest Coverage Range Over the Past 10 Years
Min: 0.45  Med: 2.58 Max: 5.35
Current: 3.53
0.45
5.35
F-Score: 3
WACC vs ROIC
6.62%
5.93%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 30.85
FISI's Operating margin (%) is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. FISI: 30.85 )
Ranked among companies with meaningful Operating margin (%) only.
FISI' s Operating margin (%) Range Over the Past 10 Years
Min: -55.99  Med: 30.82 Max: 32.72
Current: 30.85
-55.99
32.72
Net-margin (%) 22.75
FISI's Net-margin (%) is ranked higher than
51% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. FISI: 22.75 )
Ranked among companies with meaningful Net-margin (%) only.
FISI' s Net-margin (%) Range Over the Past 10 Years
Min: -30.86  Med: 21.45 Max: 24.64
Current: 22.75
-30.86
24.64
ROE (%) 9.39
FISI's ROE (%) is ranked higher than
58% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. FISI: 9.39 )
Ranked among companies with meaningful ROE (%) only.
FISI' s ROE (%) Range Over the Past 10 Years
Min: -14.36  Med: 8.84 Max: 10.44
Current: 9.39
-14.36
10.44
ROA (%) 0.87
FISI's ROA (%) is ranked higher than
50% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FISI: 0.87 )
Ranked among companies with meaningful ROA (%) only.
FISI' s ROA (%) Range Over the Past 10 Years
Min: -1.39  Med: 0.89 Max: 1
Current: 0.87
-1.39
1
Revenue Growth (3Y)(%) 2.60
FISI's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FISI: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FISI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.9  Med: 2.00 Max: 18.7
Current: 2.6
-7.9
18.7
EBITDA Growth (3Y)(%) 3.70
FISI's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FISI: 3.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FISI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.3  Med: 3.70 Max: 13.7
Current: 3.7
-43.3
13.7
EPS Growth (3Y)(%) 6.00
FISI's EPS Growth (3Y)(%) is ranked lower than
55% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FISI: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FISI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -49.9  Med: 6.80 Max: 17.3
Current: 6
-49.9
17.3
» FISI's 10-Y Financials

Financials (Next Earnings Date: 2016-07-26)


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

» Details

Guru Trades

Q2 2015

FISI Guru Trades in Q2 2015

Jim Simons 43,500 sh (-5.54%)
» More
Q3 2015

FISI Guru Trades in Q3 2015

Jim Simons 60,400 sh (+38.85%)
» More
Q4 2015

FISI Guru Trades in Q4 2015

Jim Simons 76,700 sh (+26.99%)
» More
Q1 2016

FISI Guru Trades in Q1 2016

Jim Simons 90,200 sh (+17.60%)
» 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%)

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Preferred stocks of Financial Institutions Inc

SymbolPriceYieldDescription
FIISO3.000.008.48% Cum.Pfd Shs -B- Series -B-1
FIISP0.000.003 % Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:SCNB, NAS:FCBC, NAS:CACB, NAS:PEBO, NAS:BHBK, NAS:MBWM, NYSE:BNK, NAS:PSTB, NAS:AROW, NAS:FBNC, NAS:GBNK, NAS:SNBC, NAS:TSC, NAS:CUNB, OTCPK:SBFC, NAS:OKSB, OTCPK:HBIA, NAS:FFWM, NAS:ACBI, NAS:GNBC » details
Financial Institutions Inc through its wholly-owned subsidiary offers deposit, lending, insurance services and other financial services to individuals, municipalities and businesses in New York.

Financial Institutions Inc is a financial holding company organized in 1931 under the laws of New York State. The Company, through its wholly-owned New York chartered banking subsidiary, Five Star Bank, Financial Institutions, Inc. offers deposit, lending and other financial services to individuals, municipalities and businesses in Western and Central New York. It offers loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, home improvement loans, automobile loans and personal loans. The Company has two reportable operating segments, banking and insurance. The banking segment includes all of the Company's retail and commercial banking operations. The insurance segment includes the activities of SDN, a full service insurance agency that provides insurance services to both personal and business clients. Its deposit products include checking and savings account programs for individuals and businesses, including money market accounts, certificates of deposit, sweep investment capabilities as well as Individual Retirement Accounts and other qualified plan accounts and 24-hour ATM facilities, telephone banking services such as account inquiry and balance transfers. The Company provides banking and financial services to individuals, municipalities and businesses through a network of over 50 offices and an extensive ATM network in fifteen contiguous counties of Western and Central New York: Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wyoming and Yates counties. Its banking activities also extend into neighboring counties. 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.

Ratios

vs
industry
vs
history
P/E(ttm) 13.93
FISI's P/E(ttm) is ranked lower than
56% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FISI: 13.93 )
Ranked among companies with meaningful P/E(ttm) only.
FISI' s P/E(ttm) Range Over the Past 10 Years
Min: 9.3  Med: 12.72 Max: 286.67
Current: 13.93
9.3
286.67
PE(NRI) 13.93
FISI's PE(NRI) is ranked lower than
55% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. FISI: 13.93 )
Ranked among companies with meaningful PE(NRI) only.
FISI' s PE(NRI) Range Over the Past 10 Years
Min: 9.18  Med: 12.70 Max: 89.64
Current: 13.93
9.18
89.64
Price/Owner Earnings (ttm) 13.10
FISI's Price/Owner Earnings (ttm) is ranked lower than
53% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FISI: 13.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FISI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.3  Med: 11.57 Max: 31.18
Current: 13.1
5.3
31.18
P/B 1.32
FISI's P/B is ranked lower than
69% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FISI: 1.32 )
Ranked among companies with meaningful P/B only.
FISI' s P/B Range Over the Past 10 Years
Min: 0.26  Med: 1.22 Max: 1.8
Current: 1.32
0.26
1.8
P/S 3.00
FISI's P/S is ranked lower than
51% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FISI: 3.00 )
Ranked among companies with meaningful P/S only.
FISI' s P/S Range Over the Past 10 Years
Min: 1.33  Med: 2.64 Max: 15.85
Current: 3
1.33
15.85
PFCF 11.63
FISI's PFCF is ranked lower than
58% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. FISI: 11.63 )
Ranked among companies with meaningful PFCF only.
FISI' s PFCF Range Over the Past 10 Years
Min: 2.46  Med: 8.67 Max: 110.51
Current: 11.63
2.46
110.51
POCF 9.16
FISI's POCF is ranked lower than
52% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. FISI: 9.16 )
Ranked among companies with meaningful POCF only.
FISI' s POCF Range Over the Past 10 Years
Min: 1.71  Med: 7.14 Max: 15.47
Current: 9.16
1.71
15.47
EV-to-EBIT 13.06
FISI's EV-to-EBIT is ranked lower than
51% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FISI: 13.06 )
Ranked among companies with meaningful EV-to-EBIT only.
FISI' s EV-to-EBIT Range Over the Past 10 Years
Min: -105.9  Med: 11.60 Max: 114.3
Current: 13.06
-105.9
114.3
EV-to-EBITDA 11.44
FISI's EV-to-EBITDA is ranked higher than
51% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FISI: 11.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
FISI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -26.3  Med: 10.20 Max: 136.9
Current: 11.44
-26.3
136.9
PEG 15.44
FISI's PEG is ranked lower than
96% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FISI: 15.44 )
Ranked among companies with meaningful PEG only.
FISI' s PEG Range Over the Past 10 Years
Min: 5.35  Med: 12.90 Max: 52.84
Current: 15.44
5.35
52.84
Shiller P/E 21.95
FISI's Shiller P/E is ranked lower than
67% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. FISI: 21.95 )
Ranked among companies with meaningful Shiller P/E only.
FISI' s Shiller P/E Range Over the Past 10 Years
Min: 3.03  Med: 19.68 Max: 28.56
Current: 21.95
3.03
28.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.96
FISI's Dividend Yield is ranked higher than
50% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FISI: 2.96 )
Ranked among companies with meaningful Dividend Yield only.
FISI' s Dividend Yield Range Over the Past 10 Years
Min: 1.32  Med: 2.93 Max: 16.36
Current: 2.96
1.32
16.36
Dividend Payout 0.41
FISI's Dividend Payout is ranked lower than
63% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FISI: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
FISI' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.35 Max: 1.25
Current: 0.41
0.11
1.25
Dividend Growth (3y) 12.00
FISI's Dividend Growth (3y) is ranked higher than
60% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. FISI: 12.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FISI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 10.10 Max: 53.6
Current: 12
0
53.6
Forward Dividend Yield 2.96
FISI's Forward Dividend Yield is ranked lower than
55% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FISI: 2.96 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.24
FISI's Yield on cost (5-Year) is ranked higher than
75% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. FISI: 6.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FISI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.77  Med: 6.15 Max: 34.36
Current: 6.24
2.77
34.36
3-Year Average Share Buyback Ratio -1.00
FISI's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FISI: -1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FISI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.5  Med: -0.70 Max: 1.6
Current: -1
-8.5
1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.78
FISI's Price/Tangible Book is ranked lower than
78% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FISI: 1.78 )
Ranked among companies with meaningful Price/Tangible Book only.
FISI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.82  Med: 1.70 Max: 3.84
Current: 1.78
0.82
3.84
Price/Projected FCF 0.69
FISI's Price/Projected FCF is ranked lower than
52% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FISI: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
FISI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.58 Max: 0.74
Current: 0.69
0.23
0.74
Price/Median PS Value 1.13
FISI's Price/Median PS Value is ranked lower than
66% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FISI: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
FISI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 1.01 Max: 5.58
Current: 1.13
0.53
5.58
Price/Graham Number 1.05
FISI's Price/Graham Number is ranked lower than
67% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FISI: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
FISI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 0.97 Max: 2.39
Current: 1.05
0.68
2.39
Earnings Yield (Greenblatt) (%) 7.70
FISI's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FISI: 7.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FISI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 8.30 Max: 18.4
Current: 7.7
0.9
18.4
Forward Rate of Return (Yacktman) (%) 10.64
FISI's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. FISI: 10.64 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FISI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 9.3  Med: 12.20 Max: 67.3
Current: 10.64
9.3
67.3

More Statistics

Revenue (TTM) (Mil) $128.1
EPS (TTM) $ 1.94
Beta1.17
Short Percentage of Float1.76%
52-Week Range $23.54 - 29.53
Shares Outstanding (Mil)14.50
» 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. breached its 50 day moving average in a Bearish Manner : FISI-US : July... Jul 22 2016
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 20 2016
Financial Institutions, Inc. Announces New, Growth-Centered Executive Structure for Five Star Bank Jul 20 2016
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Regulation FD Disclosure Jun 22 2016
Post-proxy battle, Financial Institutions turns attention back to long-term plan Jun 08 2016
Financial Institutions, Inc. breached its 50 day moving average in a Bearish Manner : FISI-US : June... Jun 08 2016
Final tally shows Financial Institutions' board candidates won in landslide Jun 07 2016
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Jun 07 2016
Financial Institutions, Inc. Announces Preliminary Results of 2016 Annual Meeting of Shareholders Jun 03 2016
Financial Institutions, Inc. Announces Preliminary Results of 2016 Annual Meeting of Shareholders Jun 03 2016
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Regulation FD Disclosure Jun 03 2016
Proxy contest at Financial Institutions nears end as annual meeting approaches Jun 02 2016
Third Independent Proxy Advisory Firm Recommends That Shareholders Vote FOR ALL Four Financial... May 31 2016
Financial Institutions Sends Letter to Shareholders May 26 2016
Glass Lewis Joins ISS in Recommending that Shareholders Vote the Blue Proxy Card FOR ALL Four... May 25 2016
Financial Institutions, Inc. breached its 50 day moving average in a Bullish Manner : FISI-US : May... May 25 2016
Financial Institutions, activist investor continue back-and-forth as director vote nears May 23 2016
Leading Proxy Advisory Firm ISS Recommends that Shareholders Vote the Blue Proxy Card FOR ALL Four... May 23 2016
Financial Institutions, Inc. Announces Quarterly Dividend May 18 2016
FINANCIAL INSTITUTIONS INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 18 2016

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