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About the company
Financial Institutions, Inc. is a financial holding company. It provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. It offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. It offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. It offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
- Revenue in USD (TTM)332.99m
- Net income in USD73.41m
- Incorporated1931
- Employees598.00
- LocationFinancial Institutions Inc220 Liberty StWARSAW 14569United StatesUSA
- Phone+1 (716) 786-1100
- Websitehttps://financialinstitutionsinc.q4ir.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Arrow Financial Corp | 210.15m | 43.95m | 592.85m | 554.00 | 13.52 | 1.37 | 17.40 | 3.58 | 2.67 | 2.67 | 10.03 | 26.26 | -- | -- | -- | -- | 1.00 | 0.9853 | -- | -- | -- | -- | 26.54 | 27.64 | -- | -- | -- | 43.82 | 7.77 | 13.43 | 47.95 | 1.49 | -- | 4.13 |
| Bar Harbor Bankshares | 199.63m | 36.16m | 594.59m | 458.00 | 15.35 | 1.14 | 14.32 | 3.88 | 2.32 | 2.32 | 9.82 | 31.22 | -- | -- | -- | -- | 0.8267 | 1.07 | -- | -- | -- | -- | 23.61 | 27.95 | -- | -- | -- | 37.74 | 8.35 | 6.87 | -2.92 | 14.00 | -4.24 | 6.53 |
| Red River Bancshares Inc | 149.89m | 42.76m | 598.73m | 375.00 | 14.26 | 1.64 | 17.61 | 4.77 | 6.39 | 6.39 | 18.73 | 55.52 | -- | -- | -- | -- | 1.32 | 1.17 | -- | -- | -- | -- | 34.07 | 33.38 | -- | -- | -- | 6.76 | 9.22 | 14.14 | 24.91 | 8.73 | -- | 17.61 |
| Peapack-Gladstone Financial Corp | 354.71m | 34.41m | 618.57m | 620.00 | 18.28 | 0.9622 | 15.73 | 2.32 | 1.93 | 1.93 | 14.94 | 36.62 | -- | -- | -- | -- | 0.4835 | 0.7629 | -- | -- | -- | -- | 12.90 | 21.43 | -- | -- | -- | 7.76 | 7.83 | 12.65 | -32.48 | -7.01 | 36.56 | 0.00 |
| American Business Bank | 196.43m | 54.20m | 629.57m | -- | 12.10 | 1.53 | -- | 4.03 | 5.86 | 5.86 | 16.87 | 46.33 | -- | -- | -- | -- | 1.28 | -- | -- | -- | -- | -- | 34.72 | -- | -- | -- | -- | -- | 12.10 | -- | 25.25 | -- | -- | -- |
| Alerus Financial Corp | -100.00bn | -100.00bn | 653.45m | 846.00 | -- | 1.16 | -- | -- | -- | -- | -- | 22.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Shore Bancshares Inc | 310.03m | 59.51m | 679.30m | 590.00 | 11.42 | 1.15 | 12.27 | 3.02 | 1.78 | 1.78 | 6.74 | 17.65 | -- | -- | -- | -- | 0.9529 | 0.6925 | -- | -- | -- | -- | 26.44 | 20.22 | -- | -- | -- | 41.57 | 4.97 | 39.03 | 35.58 | 30.49 | -- | 0.00 |
| Financial Institutions Inc | 332.99m | 73.41m | 695.67m | 598.00 | 9.73 | 1.11 | 11.69 | 2.84 | 3.61 | 3.61 | 12.06 | 31.77 | -- | -- | -- | -- | 1.21 | 0.746 | -- | -- | -- | -- | 30.57 | 21.97 | -- | -- | -- | 50.33 | 6.31 | 15.60 | 270.30 | 14.77 | -- | 3.78 |
| Hills Bancorporation | 226.20m | 57.01m | 703.63m | 464.00 | 12.52 | 1.21 | 11.84 | 4.26 | 6.39 | 6.39 | 18.51 | 66.20 | -- | -- | -- | -- | 1.25 | 1.10 | -- | -- | -- | -- | 34.51 | 31.66 | -- | -- | -- | 20.95 | 19.03 | 8.98 | 24.70 | 0.9891 | 7.28 | 5.26 |
| Great Southern Bancorp Inc | 313.73m | 70.97m | 708.76m | 1.11k | 10.33 | 1.11 | 11.61 | 3.09 | 6.20 | 6.20 | 20.03 | 57.50 | -- | -- | -- | -- | 1.23 | 1.23 | -- | -- | -- | -- | 30.95 | 31.29 | -- | -- | -- | 27.80 | -3.38 | 7.58 | 14.83 | 3.65 | -- | 4.07 |
| Southern Missouri Bancorp Inc | 283.02m | 61.50m | 729.85m | 696.00 | 11.95 | 1.32 | 10.17 | 3.89 | 5.48 | 5.48 | 16.67 | 49.62 | -- | -- | -- | -- | 1.27 | 1.30 | -- | -- | -- | -- | 32.90 | 32.87 | -- | -- | -- | 17.13 | 11.67 | 20.97 | 16.80 | 16.18 | 7.79 | 8.92 |
| SmartFinancial Inc | 285.97m | 50.35m | 732.09m | 597.00 | 14.43 | 1.33 | 16.42 | 3.65 | 2.98 | 2.98 | 11.86 | 32.44 | -- | -- | -- | -- | 0.9042 | 0.8058 | -- | -- | -- | -- | 25.12 | 23.33 | -- | -- | -- | 13.17 | 13.88 | 19.45 | 39.31 | 15.65 | -- | 8.79 |
| Capital City Bank Group Inc | 204.39m | 61.56m | 742.66m | 940.00 | 12.09 | 1.34 | 13.88 | 2.92 | 3.60 | 3.60 | 14.85 | 32.39 | -- | -- | -- | -- | 1.41 | 1.10 | -- | -- | -- | -- | 24.23 | 20.96 | -- | -- | -- | 28.51 | 5.00 | 13.99 | 16.33 | 14.28 | -- | 11.90 |
| Independent Bank Corp (Michigan) | 269.74m | 68.54m | 752.09m | 732.00 | 11.19 | 1.50 | 13.08 | 3.33 | 3.27 | 3.27 | 10.76 | 24.48 | -- | -- | -- | -- | 1.26 | 1.27 | -- | -- | -- | -- | 30.37 | 29.90 | -- | -- | -- | 30.23 | 1.11 | 14.04 | 2.62 | 4.07 | -- | 5.39 |
| Hometrust Bancshares Inc | -100.00bn | -100.00bn | 770.10m | 539.00 | -- | 1.28 | -- | -- | -- | -- | -- | 34.75 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Mid Penn Bancorp Inc | 323.77m | 56.25m | 802.06m | 591.00 | 13.53 | 0.9799 | 18.87 | 3.55 | 2.56 | 2.56 | 10.35 | 35.32 | -- | -- | -- | -- | 0.9694 | 0.9268 | -- | -- | -- | -- | 24.90 | 26.01 | -- | -- | -- | 33.77 | 12.98 | 24.57 | 13.78 | 16.50 | -- | 3.13 |
Data as of Feb 06 2026. Currency figures normalised to Financial Institutions Inc's reporting currency: US Dollar USD
42.81%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| PL Capital Advisors LLCas of 30 Sep 2025 | 1.77m | 8.82% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 1.32m | 6.54% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.00m | 4.99% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 910.94k | 4.53% |
| Adage Capital Management LPas of 30 Sep 2025 | 811.22k | 4.03% |
| Wellington Management Co. LLPas of 30 Sep 2025 | 736.83k | 3.66% |
| Ategra Capital Management LLCas of 30 Sep 2025 | 572.08k | 2.84% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 544.65k | 2.71% |
| Geode Capital Management LLCas of 30 Sep 2025 | 485.99k | 2.41% |
| ProShare Advisors LLCas of 30 Sep 2025 | 459.80k | 2.28% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
