CA
NZ
UK
AU
IND
US
…
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Financial Institutions, Inc. is a U.S. bank holding company operating a regional commercial and retail banking franchise that provides loans, deposit accounts and related financial services through its subsidiaries. Long-term growth may be supported by organic loan and deposit expansion, management of net interest margins, and growth in fee-based services, which could make the company attractive to investors seeking steady, franchise-driven earnings.
Material risks include exposure to regional economic cycles, interest-rate volatility that can compress margins, potential credit quality deterioration, and regulatory or compliance cost increases.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 91.35M | -68.15M | 63.05M | 70.97M | 97.22M |
| Net income | 74.87M | -41.65M | 50.26M | 56.57M | 77.70M |
| Selling general administrative | 88.30M | 73.34M | 80.46M | 72.07M | 79.40M |
| Selling and marketing expenses | 1.81M | 1.57M | 1.93M | 2.01M | 1.70M |
| Gross profit | 233.31M | 88.03M | 48.24M | 212.35M | 199.56M |
| Reconciled depreciation | 7.88M | 7.67M | 8.15M | 0.99M | 1.06M |
| Ebit | - | -68.15M | 63.05M | 106.83M | 97.22M |
| Ebitda | 91.35M | -60.47M | 63.05M | 107.82M | 98.28M |
| Depreciation and amortization | - | 7.67M | 0.91M | 0.99M | 1.06M |
| Operating income | 91.35M | -68.15M | 63.05M | 106.83M | 97.22M |
| Other operating expenses | 286.59M | 332.32M | 1.93M | 2.01M | -102.33M |
| Interest expense | 133.00M | 149.64M | 120.42M | 28.73M | 12.47M |
| Tax provision | 16.49M | -26.50M | 10.00M | 14.40M | 19.52M |
| Interest income | 332.99M | 313.23M | 267.39M | 196.11M | 167.21M |
| Net interest income | 199.99M | 163.59M | 168.98M | 167.37M | 154.73M |
| Income tax expense | 16.49M | -26.50M | 12.79M | 14.40M | 19.52M |
| Total revenue | 377.94M | 264.17M | 48.24M | 212.35M | 199.56M |
| Total operating expenses | 141.96M | 156.18M | 1.93M | 2.01M | -102.33M |
| Cost of revenue | 144.63M | 176.13M | 283.00M | - | - |
| Total other income expense net | - | -379.81M | 63.05M | -35.86M | -12.47M |
| Net income from continuing ops | 74.87M | -41.65M | 52.57M | 56.57M | 77.70M |
| Net income applicable to common shares | - | - | - | 55.11M | 76.24M |
| Preferred stock and other adjustments | - | - | - | 1.46M | 1.46M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 6274.14M | 6117.09M | 6178.34M | 5271.47M | 5002.08M |
| Intangible assets | 2.22M | 2.64M | 5.43M | 6.34M | 7.33M |
| Other current assets | -987.11M | - | 149.69M | 21.45M | 2685.47M |
| Total liab | 5645.29M | 5548.10M | 5723.54M | 5408.96M | 5015.64M |
| Total stockholder equity | 628.85M | 568.98M | 454.80M | -137.49M | -13.56M |
| Other current liab | -24.50M | 5104.73M | 3053.68M | -205.00M | -0.54M |
| Common stock | 0.21M | 0.21M | 0.16M | 0.16M | 0.16M |
| Capital stock | 17.49M | 17.49M | 17.45M | 17.45M | 17.45M |
| Retained earnings | 437.14M | 388.67M | 451.69M | 421.34M | 384.01M |
| Other liab | - | - | - | 102.04M | 84.64M |
| Good will | 58.12M | 58.12M | 67.07M | 67.07M | 67.07M |
| Other assets | 4545.25M | 5050.40M | - | 2841.20M | 2166.75M |
| Cash | 108.75M | 87.32M | 124.44M | 130.47M | 79.11M |
| Total current liabilities | 109.00M | 5229.59M | 3241.66M | 205.00M | 0.54M |
| Current deferred revenue | - | - | -19.41M | - | - |
| Net debt | 225.48M | 169.28M | 218.88M | 148.76M | -78.57M |
| Short term debt | 112.07M | 99.00M | 187.98M | 205.00M | 0.54M |
| Short long term debt | 109.00M | 99.00M | 185.00M | 205.00M | 0.54M |
| Short long term debt total | 334.23M | 256.61M | 343.32M | 279.22M | 0.54M |
| Other stockholder equity | 207.25M | 215.43M | 105.60M | -438.79M | -401.81M |
| Property plant equipment | - | - | - | 41.99M | 40.11M |
| Total current assets | 108.75M | 111.08M | 149.69M | 1140.40M | 1314.64M |
| Long term investments | 1067.99M | 1098.97M | 1104.14M | 4959.96M | 4824.48M |
| Net tangible assets | - | - | - | 297.61M | 430.74M |
| Short term investments | 922.47M | 0.01M | 887.73M | 954.37M | 1178.52M |
| Net receivables | 25.10M | 23.75M | 24.48M | 55.57M | 57.01M |
| Long term debt | 193.65M | 124.84M | 124.53M | 74.22M | 73.91M |
| Inventory | - | - | 99.96M | 0.02M | - |
| Accounts payable | 21.44M | 25.86M | 19.41M | 4929.42M | 4827.09M |
| Accumulated other comprehensive income | -33.03M | -52.60M | -119.94M | -137.49M | -13.21M |
| Common stock total equity | - | - | - | 0.16M | 0.16M |
| Preferred stock total equity | - | - | - | 34.58M | 34.58M |
| Retained earnings total equity | - | - | - | 421.34M | 384.01M |
| Treasury stock | - | - | - | -22.34M | -9.22M |
| Non currrent assets other | 484.02M | 235.59M | 5671.09M | -1289.87M | -1520.69M |
| Non current assets total | 6165.39M | 6006.01M | 6028.64M | 1289.87M | 1520.69M |
| Capital lease obligations | 31.57M | 32.76M | 33.79M | - | - |
| Long term debt total | - | - | - | 74.22M | 73.91M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 53.28M | -8.23M | -442.85M | -306.75M | -606.05M |
| Change to liabilities | - | - | - | 80.58M | -2.60M |
| Total cashflows from investing activities | -140.04M | -8.23M | -310.09M | -325.16M | -633.42M |
| Net borrowings | 80.00M | -86.00M | 30.00M | 175.00M | 24.70M |
| Total cash from financing activities | 142.67M | -106.02M | 293.17M | 242.94M | 545.69M |
| Change to operating activities | - | - | - | 50.68M | -11.94M |
| Net income | 74.87M | -41.65M | 50.26M | 56.57M | 77.70M |
| Change in cash | 21.43M | -37.12M | -6.02M | 51.35M | -14.77M |
| Begin period cash flow | 87.32M | 124.44M | 130.47M | 79.11M | 93.88M |
| End period cash flow | 108.75M | 87.32M | 124.44M | 130.47M | 79.11M |
| Total cash from operating activities | 18.80M | 77.13M | 10.89M | 133.57M | 72.96M |
| Issuance of capital stock | 0.00M | 108.57M | 0.00M | - | - |
| Depreciation | 7.88M | 7.67M | 8.09M | 8.11M | 8.05M |
| Other cashflows from investing activities | -140.04M | 1.22M | -430.01M | -10.04M | -24.99M |
| Dividends paid | 26.17M | 19.97M | 19.75M | -19.05M | -18.45M |
| Sale purchase of stock | -11.42M | -0.43M | -0.57M | -15.34M | -9.28M |
| Other cashflows from financing activities | 101.62M | -108.19M | 283.49M | 277.33M | 573.42M |
| Change to netincome | - | - | - | -1.71M | 1.68M |
| Capital expenditures | 5.55M | 4.97M | 2.99M | 8.37M | 9.40M |
| Cash flows other operating | - | - | - | -14.96M | -17.36M |
| Cash and cash equivalents changes | - | - | - | 51.35M | -14.77M |
| Change in working capital | -70.87M | 33.69M | -55.70M | 50.68M | -11.94M |
| Stock based compensation | 3.08M | 1.61M | 1.67M | 2.55M | 1.74M |
| Other non cash items | 14.81M | 111.15M | 7.92M | 20.04M | -7.81M |
| Free cash flow | 13.60M | 72.15M | 7.90M | 125.20M | 63.56M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FISI Financial Institutions Inc |
0.78 1.98% |
40.15 | 9.69 | 11.27 | 2.89 | 1.10 | 4.21 |
| DBSDY DBS Group Holdings Ltd ADR |
-3.29 1.44% |
224.55 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
220 Liberty Street, Warsaw, NY, United States, 14569
585 786 1100
631
| Name | Title | Year Born |
|---|---|---|
| Mr. Martin K. Birmingham | Pres, CEO & Director | 1966 |
| Mr. William Jack Plants II | Sr. VP, CFO & Treasurer | 1984 |
| Mr. Sean M. Willett | Exec. VP & Chief Admin. Officer | 1972 |
| Mr. Samuel J. Burruano Jr. | Exec. VP, Chief Legal Officer & Corp. Sec. | 1969 |
| Mr. Justin K. Bigham | Exec. VP & Chief Community Banking Officer | 1974 |
| Mr. Kevin B. Quinn | Sr. VP & Chief Commercial Banking Officer | 1964 |
| Ms. Sonia Marie Dumbleton | Sr. VP, Controller & Principal Accounting Officer | 1962 |
| Ms. Kate Croft | Director of Investor & External Relations | NA |
| Mr. Michael David Grover CPA | Sr. VP, Director of Financial Planning & Analysis and Tax | 1972 |
| Mr. Joseph L. Dugan | Sr. VP and Chief Experience & Go to Market Officer of Five Star Bank | 1962 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
Download a free report with stock ideas and industry insights for general information.
Download Free Report Now →
Basic Materials
-0.09%
Communication Services
+0.21%
Consumer Cyclical
+1.14%
Consumer Defensive
+0.88%
Energy
-2.61%
Financial Services
+0.70%
Financials
+0.41%
Healthcare
-0.75%
Industrials
+0.35%
Real Estate
+0.57%
Technology
-1.17%
Utilities
+0.05%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
Portfolio
Watchlist
Please wait processing your request...