Financial Institutions, Inc. (FISI)
Company Info
| ISIN | US3175854047 |
|---|---|
| CUSIP | 317585404 |
| Sector | Financial Services |
| Industry | Banks - Regional |
| IPO Date | Jun 25, 1999 |
Highlights
| Market Cap | $424.92M |
|---|---|
| EPS (TTM) | $3.17 |
| PE Ratio | 8.66 |
| PEG Ratio | 1.91 |
| Total Revenue (TTM) | $368.47M |
| Gross Profit (TTM) | $368.47M |
| EBITDA (TTM) | $11.18M |
| Year Range | $15.82 - $28.12 |
| Target Price | $27.75 |
| Short % | 0.46% |
| Short Ratio | 1.95 |
Share Price Chart
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Compare to other instruments
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Popular comparisons: FISI vs. PEBK, FISI vs. XLF, FISI vs. VOO
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Financial Institutions, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Financial Institutions, Inc. had a return of 32.90% year-to-date (YTD) and 61.77% in the last 12 months. Over the past 10 years, Financial Institutions, Inc. had an annualized return of 5.18%, while the S&P 500 had an annualized return of 11.31%, indicating that Financial Institutions, Inc. did not perform as well as the benchmark.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | 32.90% | 24.72% |
| 1 month | 4.52% | 2.30% |
| 6 months | 48.94% | 12.31% |
| 1 year | 61.77% | 32.12% |
| 5 years (annualized) | 1.62% | 13.81% |
| 10 years (annualized) | 5.18% | 11.31% |
Monthly Returns
The table below presents the monthly returns of FISI, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -1.88% | -12.15% | 4.18% | -8.50% | 2.27% | 11.64% | 36.23% | -1.14% | -0.92% | -5.73% | 32.90% | ||
| 2023 | 1.44% | 1.01% | -21.65% | -9.34% | -10.13% | 1.95% | 21.85% | -8.76% | -2.16% | -5.88% | 9.60% | 24.60% | -6.76% |
| 2022 | 1.38% | -0.93% | -4.83% | -7.60% | 1.11% | -6.55% | 1.88% | -1.81% | -6.45% | -1.00% | 6.25% | -2.63% | -19.99% |
| 2021 | 1.73% | 19.62% | 11.61% | 5.41% | 0.63% | -5.84% | -1.87% | 7.88% | -2.60% | 4.14% | -3.51% | 4.13% | 46.37% |
| 2020 | -4.02% | -12.66% | -31.62% | 6.67% | -8.58% | 6.61% | -20.63% | 16.66% | -9.25% | 15.13% | 12.86% | 13.73% | -26.01% |
| 2019 | 4.36% | 12.38% | -9.04% | 1.18% | -1.71% | 8.84% | 5.63% | -5.62% | 4.72% | 4.14% | 3.66% | -0.71% | 29.19% |
| 2018 | 0.16% | -1.44% | -2.86% | 5.07% | 2.41% | 4.05% | -3.65% | 1.89% | -2.08% | -9.08% | 5.36% | -13.80% | -14.77% |
| 2017 | -3.65% | 3.79% | -3.05% | 1.67% | -8.51% | -2.10% | -1.34% | -7.48% | 6.70% | 13.89% | 0.76% | -5.26% | -6.52% |
| 2016 | -1.96% | -3.39% | 10.42% | -3.68% | -0.14% | -6.09% | 3.18% | -0.07% | 1.61% | -0.96% | 14.15% | 12.30% | 25.66% |
| 2015 | -12.41% | 2.22% | 2.71% | 2.70% | -2.04% | 8.58% | -1.21% | 0.94% | 0.86% | 5.41% | 4.40% | 3.45% | 15.04% |
| 2014 | -15.50% | 5.56% | 5.32% | 0.56% | -0.39% | 2.36% | -5.21% | 8.20% | -5.64% | 11.83% | -5.69% | 6.92% | 5.12% |
| 2013 | 7.84% | -0.80% | 1.06% | -4.16% | 1.99% | -4.77% | 9.34% | -7.90% | 11.46% | 15.69% | 8.58% | -3.11% | 37.48% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of FISI is 79, placing it in the top 21% of stocks on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Financial Institutions, Inc. (FISI) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Financial Institutions, Inc. provided a 4.44% dividend yield over the last twelve months, with an annual payout of $1.20 per share. The company has been increasing its dividends for 14 consecutive years.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.20 | $1.20 | $1.16 | $1.08 | $1.04 | $1.00 | $0.96 | $0.85 | $0.81 | $0.80 | $0.77 | $0.74 |
Dividend yield | 4.44% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% | 3.06% | 2.99% |
Monthly Dividends
The table displays the monthly dividend distributions for Financial Institutions, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.90 | |
| 2023 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $1.20 |
| 2022 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $1.16 |
| 2021 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $1.08 |
| 2020 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $1.04 |
| 2019 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $1.00 |
| 2018 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.96 |
| 2017 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.22 | $0.85 |
| 2016 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.21 | $0.81 |
| 2015 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.80 |
| 2014 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.20 | $0.77 |
| 2013 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.74 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Financial Institutions, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Financial Institutions, Inc. was 89.98%, occurring on Feb 27, 2009. Recovery took 1679 trading sessions.
The current Financial Institutions, Inc. drawdown is 6.20%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -89.98% | May 3, 2002 | 1717 | Feb 27, 2009 | 1679 | Oct 28, 2015 | 3396 |
| -56.38% | Dec 18, 2019 | 62 | Mar 18, 2020 | 244 | Mar 8, 2021 | 306 |
| -52.44% | Jan 14, 2022 | 327 | May 4, 2023 | — | — | — |
| -31.45% | Aug 28, 2001 | 47 | Nov 6, 2001 | 49 | Jan 17, 2002 | 96 |
| -28.84% | Jun 30, 1999 | 158 | Mar 8, 2000 | 97 | Sep 14, 2000 | 255 |
Volatility
Volatility Chart
The current Financial Institutions, Inc. volatility is 16.47%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of Financial Institutions, Inc. compared to its peers in the Banks - Regional industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for FISI in comparison to other companies of the Banks - Regional industry. Currently, FISI has a PE value of 8.7. This PE ratio falls in the average range for the industry.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for FISI in comparison to other companies of the Banks - Regional industry. Currently, FISI has a PEG value of 1.9. This PEG ratio falls in the average range for the industry.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Financial Institutions, Inc..
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Income Statement
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