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Financial Institutions (FISI)

(Real Time Quote from BATS)

$31.96 USD

31.96
10,913

+0.08 (0.25%)

Updated Dec 7, 2021 02:44 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy25.42%
2Buy19.05%
3Hold10.68%
4Sell6.41%
5Strong Sell3.08%
S&P50011.42%

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2-Buy of 5   2      

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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B Value F Growth B Momentum C VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Top 15% (37 out of 253)

Industry: Banks - Northeast

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Trades from $1

Balance Sheet

Research for FISI

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

Learn more about Zacks Equity Research reports

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Fiscal Year End for Financial Institutions, Inc. falls in the month of December.

All items in Millions except Per Share data.

12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Assets          
Cash & Equivalents 94 113 103 99 71
Receivables 3,543 3,191 3,053 2,700 2,309
Notes Receivable 0 0 0 0 0
Inventories 4 4 3 3 1
Other Current Assets 0 0 0 0 0
Total Current Assets 3,641 3,308 3,158 2,802 2,382
Net Property & Equipment 41 41 43 45 42
Investments & Advances 900 777 892 1,041 1,083
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 74 75 76 75 76
Deposits & Other Assets 257 183 142 142 127
Total Assets 4,912 4,384 4,312 4,105 3,710
Liabilities & Shareholders Equity 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Notes Payable 5 276 470 446 332
Accounts Payable 4,278 3,556 3,367 3,210 2,995
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 4,284 3,831 3,836 3,656 3,327
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 74 39 39 39 39
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 87 75 40 29 25
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 4,444 3,945 3,915 3,724 3,390
Shareholders Equity 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Preferred Stock 17 17 17 17 17
Common Stock (Par) 0 0 0 0 0
Capital Surplus 125 125 123 121 82
Retained Earnings 325 313 280 257 238
Other Equity 2 -15 -21 -12 -14
Treasury Stock 1 2 2 3 3
Total Shareholder's Equity 468 439 396 381 320
Total Liabilities & Shareholder's Equity 4,912 4,384 4,312 4,105 3,710
Total Common Equity 451 422 379 364 303
Shares Outstanding 16.00 16.00 15.90 15.60 14.50
Book Value Per Share 28.19 26.35 23.83 23.32 20.88

Fiscal Year End for Financial Institutions, Inc. falls in the month of December.

All items in Millions except Per Share data.

9/30/2021 6/30/2021 3/31/2021 12/31/2020 9/30/2020
Assets          
Cash & Equivalents 288 206 345 94 282
Receivables 3,608 3,586 3,605 3,543 3,519
Notes Receivable 0 0 0 0 0
Inventories 6 4 6 4 7
Other Current Assets 0 0 0 0 0
Total Current Assets 3,903 3,796 3,955 3,641 3,808
Net Property & Equipment 41 44 0 41 41
Investments & Advances 1,316 1,122 1,010 900 807
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 75 74 114 74 74
Deposits & Other Assets 289 259 250 257 229
Total Assets 5,623 5,295 5,329 4,912 4,959
Liabilities & Shareholders Equity 9/30/2021 6/30/2021 3/31/2021 12/31/2020 9/30/2020
Notes Payable 0 0 0 5 5
Accounts Payable 4,975 4,659 4,716 4,278 4,365
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 4,975 4,659 4,716 4,284 4,370
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 74 74 74 74 39
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 80 73 87 93
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 5,129 4,808 4,863 4,444 4,503
Shareholders Equity 9/30/2021 6/30/2021 3/31/2021 12/31/2020 9/30/2020
Preferred Stock 17 17 17 17 17
Common Stock (Par) 0 0 0 0 0
Capital Surplus 126 125 125 125 125
Retained Earnings 369 356 341 325 316
Other Equity -12 -6 -11 2 0
Treasury Stock 6 6 6 1 1
Total Shareholder's Equity 494 487 466 468 456
Total Liabilities & Shareholder's Equity 5,623 5,295 5,329 4,912 4,959
Total Common Equity 477 470 449 451 439
Shares Outstanding 15.80 15.80 15.80 16.00 16.00
Book Value Per Share 30.17 29.74 28.42 28.19 27.44