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Financial Institutions (FISI)

(Real Time Quote from BATS)

$17.60 USD

17.60
6,011

-0.17 (-0.96%)

Updated Apr 25, 2024 10:42 AM 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 Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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4-Sell of 5       4  

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 C Momentum D 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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Bottom 32% (170 out of 251)

Industry: Banks - Northeast

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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.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 124 130 79 94 113
Receivables 4,411 4,005 3,640 3,543 3,191
Notes Receivable 0 0 0 0 0
Inventories 1 1 6 4 4
Other Current Assets 0 0 0 0 0
Total Current Assets 4,537 4,136 3,725 3,641 3,308
Net Property & Equipment 40 42 40 41 41
Investments & Advances 1,036 1,143 1,384 900 777
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 73 73 74 74 75
Deposits & Other Assets 476 402 297 257 183
Total Assets 6,161 5,797 5,521 4,912 4,384
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 185 205 30 5 276
Accounts Payable 5,213 4,929 4,827 4,278 3,556
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 5,398 5,134 4,857 4,284 3,831
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 125 74 74 74 39
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 184 183 85 87 75
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 5,706 5,392 5,016 4,444 3,945
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 17 17 17 17 17
Common Stock (Par) 0 0 0 0 0
Capital Surplus 126 127 126 125 125
Retained Earnings 452 421 384 325 313
Other Equity -120 -137 -13 2 -15
Treasury Stock 20 22 9 1 2
Total Shareholder's Equity 455 406 505 468 439
Total Liabilities & Shareholder's Equity 6,161 5,797 5,521 4,912 4,384
Total Common Equity 438 388 488 451 422
Shares Outstanding 15.40 15.30 15.80 16.00 16.00
Book Value Per Share 28.41 25.38 30.88 28.19 26.35

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

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -99,999 124 192 180 140
Receivables NA 4,411 4,382 4,348 4,196
Notes Receivable NA 0 0 0 0
Inventories NA 1 2 1 1
Other Current Assets NA 0 0 0 0
Total Current Assets NA 4,537 4,576 4,529 4,336
Net Property & Equipment NA 40 40 41 42
Investments & Advances NA 1,036 1,008 1,072 1,125
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 0 0 0 0
Intangibles NA 73 73 73 73
Deposits & Other Assets NA 476 444 427 390
Total Assets NA 6,161 6,140 6,141 5,967
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable NA 185 70 374 116
Accounts Payable NA 5,213 5,316 5,035 5,141
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 0 0 0 0
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 5,398 5,386 5,409 5,257
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 125 124 124 124
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 221 182 163
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 5,706 5,731 5,715 5,544
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 17 17 17 17
Common Stock (Par) NA 0 0 0 0
Capital Surplus NA 126 126 125 125
Retained Earnings NA 452 447 438 428
Other Equity NA -120 -161 -134 -127
Treasury Stock NA 20 20 20 21
Total Shareholder's Equity NA 455 409 426 423
Total Liabilities & Shareholder's Equity NA 6,161 6,140 6,141 5,967
Total Common Equity 0 438 391 409 406
Shares Outstanding 15.40 15.40 15.40 15.30 15.30
Book Value Per Share 0.00 28.41 25.42 26.70 26.51