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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 0.41
FISI's Cash to Debt is ranked higher than
64% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. FISI: 0.41 )
FISI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.41

Equity to Asset 0.09
FISI's Equity to Asset is ranked higher than
63% of the 2028 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 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 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
WACC vs ROIC
8.60%
6.27%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 32.72
FISI's Operating margin (%) is ranked higher than
80% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. FISI: 32.72 )
FISI' s 10-Year Operating margin (%) Range
Min: -286.71   Max: 45.15
Current: 32.72

-286.71
45.15
Net-margin (%) 24.64
FISI's Net-margin (%) is ranked higher than
81% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. FISI: 24.64 )
FISI' s 10-Year Net-margin (%) Range
Min: -158.03   Max: 29.08
Current: 24.64

-158.03
29.08
ROE (%) 10.91
FISI's ROE (%) is ranked higher than
84% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FISI: 10.91 )
FISI' s 10-Year ROE (%) Range
Min: -13.57   Max: 16.16
Current: 10.91

-13.57
16.16
ROA (%) 0.97
FISI's ROA (%) is ranked higher than
81% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FISI: 0.97 )
FISI' s 10-Year ROA (%) Range
Min: -1.39   Max: 1.51
Current: 0.97

-1.39
1.51
ROC (Joel Greenblatt) (%) 23.62
FISI's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. FISI: 23.62 )
FISI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -133.93   Max: 291.26
Current: 23.62

-133.93
291.26
Revenue Growth (3Y)(%) -2.30
FISI's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FISI: -2.30 )
FISI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -43.9   Max: 73.9
Current: -2.3

-43.9
73.9
EBITDA Growth (3Y)(%) -1.10
FISI's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FISI: -1.10 )
FISI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.2   Max: 13.7
Current: -1.1

-43.2
13.7
EPS Growth (3Y)(%) 2.60
FISI's EPS Growth (3Y)(%) is ranked higher than
69% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FISI: 2.60 )
FISI' s 10-Year EPS Growth (3Y)(%) 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

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
Q3 2014

FISI Guru Trades in Q3 2014

Scott Black 22,195 sh (New)
Jim Simons 39,200 sh (-6.44%)
» More
Q4 2014

FISI Guru Trades in Q4 2014

Scott Black 23,820 sh (+7.32%)
Jim Simons 32,800 sh (-16.33%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Scott Black 2014-09-30 New Buy0.07%$21.78 - $24.69 $ 22.69-1%22195
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Financial Institutions Inc

SymbolPriceYieldDescription
FIISO-1.24282.708.48% 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) 11.90
FISI's P/E(ttm) is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FISI: 11.90 )
FISI' s 10-Year P/E(ttm) Range
Min: 9.3   Max: 286.67
Current: 11.9

9.3
286.67
Forward P/E 11.75
FISI's Forward P/E is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. FISI: 11.75 )
N/A
PE(NRI) 11.90
FISI's PE(NRI) is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FISI: 11.90 )
FISI' s 10-Year PE(NRI) Range
Min: 9.18   Max: 89.64
Current: 11.9

9.18
89.64
P/B 1.14
FISI's P/B is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FISI: 1.14 )
FISI' s 10-Year P/B Range
Min: 0.26   Max: 1.8
Current: 1.14

0.26
1.8
P/S 2.65
FISI's P/S is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. FISI: 2.65 )
FISI' s 10-Year P/S Range
Min: 1.33   Max: 16.58
Current: 2.65

1.33
16.58
PFCF 8.93
FISI's PFCF is ranked higher than
89% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FISI: 8.93 )
FISI' s 10-Year PFCF Range
Min: 2.46   Max: 20.39
Current: 8.93

2.46
20.39
POCF 7.80
FISI's POCF is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. FISI: 7.80 )
FISI' s 10-Year POCF Range
Min: 1.71   Max: 12.61
Current: 7.8

1.71
12.61
EV-to-EBIT 11.38
FISI's EV-to-EBIT is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. FISI: 11.38 )
FISI' s 10-Year EV-to-EBIT Range
Min: -105.9   Max: 109.9
Current: 11.38

-105.9
109.9
Shiller P/E 15.40
FISI's Shiller P/E is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FISI: 15.40 )
FISI' s 10-Year Shiller P/E Range
Min: 7.5   Max: 46.65
Current: 15.4

7.5
46.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.39
FISI's Dividend Yield is ranked higher than
72% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FISI: 3.39 )
FISI' s 10-Year Dividend Yield Range
Min: 1.32   Max: 16.36
Current: 3.39

1.32
16.36
Dividend Payout 0.40
FISI's Dividend Payout is ranked higher than
72% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FISI: 0.40 )
FISI' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.25
Current: 0.4

0.11
1.25
Dividend growth (3y) 22.80
FISI's Dividend growth (3y) is ranked higher than
91% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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) 5.07
FISI's Yield on cost (5-Year) is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FISI: 5.07 )
FISI' s 10-Year Yield on cost (5-Year) Range
Min: 1.97   Max: 24.37
Current: 5.07

1.97
24.37
Share Buyback Rate -8.30
FISI's Share Buyback Rate is ranked higher than
61% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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 1.52
FISI's Price/Tangible Book is ranked higher than
72% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. FISI: 1.52 )
FISI' s 10-Year Price/Tangible Book Range
Min: 0.82   Max: 3.82
Current: 1.52

0.82
3.82
Price/DCF (Projected) 0.62
FISI's Price/DCF (Projected) is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. FISI: 0.62 )
FISI' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 0.74
Current: 0.62

0.22
0.74
Price/Median PS Value 1.07
FISI's Price/Median PS Value is ranked higher than
82% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FISI: 1.07 )
FISI' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 6.24
Current: 1.07

0.56
6.24
Price/Graham Number 0.89
FISI's Price/Graham Number is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FISI: 0.89 )
FISI' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 2.71
Current: 0.89

0.56
2.71
Earnings Yield (Greenblatt) 8.80
FISI's Earnings Yield (Greenblatt) is ranked higher than
79% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FISI: 8.80 )
FISI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 18.4
Current: 8.8

0.9
18.4
Forward Rate of Return (Yacktman) 12.91
FISI's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. FISI: 12.91 )
FISI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 67.3
Current: 12.91

2.4
67.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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. 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.
» 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 

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