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Overview for FINANCIAL INSTITUTIONS INC

All Data per May 26, 2023

Industry:

Banks—Regional

Last Close:

16.64 USD

Expected Dividend:

5.41 %

Payoffs per Year:

4
Business Summary
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Competitors View

Ordering

BAWAG

AUT		 0.9 5.74%
8.74%		 -9.36% 3.57% 0.5 0.36
-19.39%		 73.66 75.36% 7.06 1.0

CRÉDIT AGRICOLE

FRA		 1.08 5.52%
8.82%		 9.52% 7.76% 1.0 0.46
-29.04%		 117.29 -750.49% 3.39 2.0

REGIONS FINANCIAL

USA		 0.84 2.71%
4.9%		 17.65% 5.6% 1.0 1.6
-22.57%		 22.64 6.78% 10.28 3.0

RAIFFEISEN BANK

AUT		 0.97 5.09%
8.05%		 10.69% 7.56% 0.0 -0.06
-58.4%		 3.31 14.38% 9.06 4.0

FIFTH THIRD BANCORP

USA		 0.8 2.75%
5.49%		 10.26% 4.0% 1.0 0.49
-42.0%		 61.04 12.48% 8.35 5.0

ERSTE GROUP BANK

AUT		 1.06 3.6%
6.18%		 12.71% 5.88% 0.5 0.4
-30.91%		 2.8 6.56% 7.81 6.0

HUNTINGTON BANCSHARES

USA		 0.8 2.75%
5.89%		 18.34% 5.87% 0.5 0.39
-31.78%		 34.99 12.64% 9.71 7.0

BNP PARIBAS

FRA		 1.04 4.39%
6.93%		 11.65% 6.82% 1.0 0.15
-36.59%		 3.92 -2.16% 4.75 8.0

TRUIST FINANCIAL CORPORATION

USA		 0.75 3.07%
7.06%		 8.95% 4.2% 1.0 -0.49
-47.57%		 41.28 17.9% 10.9 9.0

PNC FINANCIAL SERVICES

USA		 0.82 2.44%
5.05%		 12.5% 3.94% 1.0 0.71
-40.76%		 28.47 2.57% 8.22 10.0

THE FIRST OF LONG ISLAND CORPORATION

USA		 0.73 2.81%
9.79%		 13.87% 4.85% 1.0 -0.13
-61.68%		 34.63 -2.94% 8.51 11.0

SUMITOMO MITSUI TRUST

JPN		 1.05 3.53%
4.24%		 10.72% 5.25% 1.0 0.16
-42.65%		 5.94 12.77% 4.38 12.0

REPUBLIC BANCORP INC

USA		 0.95 2.64%
3.55%		 8.01% 3.46% 1.0 1.11
-22.93%		 23.66 4.74% 14.68 13.0

KBC GROUP NV

BE		 1.11 4.63%
5.53%		 0.01% 4.24% 1.0 -0.22
-25.36%		 7.21 47.56% 5.85 14.0

CITIZENS FINANCIAL GROUP

USA		 0.78 3.25%
6.46%		 3.85% 3.53% 0.5 0.11
-42.84%		 142.14 12.82% 10.45 15.0

BANKINTER S.A.

ESP		 0.91 3.72%
7.82%		 2.42% 3.79% 1.0 0.28
-59.62%		 73.54 -51.09% 4.56 16.0

FUKUOKA FINANCIAL GROUP

JPN		 0.96 3.67%
4.26%		 10.82% 5.48% 1.0 0.14
-42.09%		 11.85 7.78% 3.49 17.0

CHINA CITIC BANK

CHN		 1.21 4.06%
4.61%		 6.28% 4.92% 1.0 0.15
-43.24%		 9.75 -0.35% 8.02 18.0

U.S. BANCORP

USA		 0.79 2.52%
6.4%		 6.82% 3.13% 1.0 -0.05
-48.27%		 35.97 12.35% 7.59 19.0

COMERICA

USA		 0.64 1.79%
7.28%		 7.23% 2.26% 1.0 0.21
-55.18%		 42.1 -37.81% 6.07 20.0

KEYCORP

USA		 0.69 2.65%
8.4%		 9.56% 3.73% 0.5 0.12
-57.24%		 16.34 0.0% 7.09 21.0

KK AOZORA GINKO

JPN		 0.95 4.84%
5.56%		 4.09% 5.31% 0.0 -0.15
-56.6%		 7.6 24.97% 7.24 22.0

M&T BANK

USA		 0.78 2.32%
4.21%		 4.71% 2.62% 1.0 0.16
-27.72%		 30.74 11.64% 12.61 23.0

SHINSEI BANK

JPN		 1.09 0.61%
0.43%		 3.33% 0.65% 1.0 0.3
-50.54%		 0.85 21.59% 8.67 24.0

BANK OF BEIJING (A)

CHN		 1.07 4.44%
6.43%		 0.83% 4.22% 0.0 -0.08
-46.99%		 21.97 9.36% 9.17 25.0

JAPAN POST HOLDINGS CO., LTD.

JPN		 1.03 4.33%
5.0%		 0.0% 3.97% -1.0 0.29
-21.75%		 17.97 45.69% 5.4 26.0

ZIONS BANCORPORATION

USA		 0.61 1.2%
5.95%		 9.72% 1.7% 0.5 0.43
-44.8%		 26.63 3.54% 5.46 27.0

SHANGHAI PUDONG DEVELOPMENT BANK

CHN		 1.02 4.35%
5.6%		 -23.28% 1.65% 0.5 -0.11
-43.04%		 14.73 17.05% 8.34 28.0

FINANCIAL INSTITUTIONS INC

USA
 0.77 3.21%
5.41%		 4.0% 3.51% 1.0 -0.12
-51.35%		 24.59 11.39% 7.0 29.0

MIZUHO FINANCIAL GROUP

JPN		 1.08 3.52%
4.29%		 1.0% 3.37% 0.5 0.02
-46.3%		 4.34 47.08% 3.88 30.0

HUA XIA BANK

CHN		 1.08 3.22%
5.88%		 0.07% 2.96% 0.0 -0.18
-48.72%		 7.78 44.54% 8.29 31.0

LLOYDS BANKING GROUP

GBR		 1.01 4.72%
5.57%		 -3.57% 3.71% 0.0 -0.2
-54.43%		 10.09 27.98% 5.41 32.0

COMMERZBANK

GER		 1.11 2.88%
2.06%		 0.0% 2.64% 1.0 0.02
-63.25%		 0.0 16.1% 6.47 33.0

CONCORDIA FINANCIAL GROUP

JPN		 1.02 2.28%
3.42%		 5.26% 2.64% 0.5 0.11
-46.62%		 3.75 44.09% 4.84 34.0

CHIBA BANK

JPN		 1.01 2.51%
2.97%		 5.26% 2.9% 1.0 0.32
-39.45%		 1.75 -169.54% 5.54 35.0

BANK POLSKA KASA OPIEKI S.A.

POL		 1.1 4.33%
4.17%		 -9.11% 2.72% 0.0 -0.17
-65.96%		 35.05 28.41% 8.1 36.0

CHINA EVERBRIGHT BANK

CHN		 1.06 4.56%
6.38%		 0.0% 4.18% 0.0 -0.08
-37.09%		 21.59 -58.36% 8.09 37.0

SOCIETE GENERALE

FRA		 0.93 3.38%
7.13%		 0.0% 3.1% 0.5 -0.18
-63.59%		 5.83 6.54% 4.9 38.0

RESONA

JPN		 1.03 3.48%
3.34%		 0.0% 3.19% -0.5 0.24
-46.46%		 5.38 43.71% 3.15 39.0

CAIXABANK

ESP		 0.99 4.11%
6.48%		 -21.67% 1.64% -0.5 0.08
-51.83%		 0.82 -13.13% 5.79 40.0

BANCO DE SABADELL SA

ESP		 1.07 3.01%
3.44%		 -32.33% 0.88% 0.5 -0.07
-80.0%		 0.28 24.94% 5.26 41.0

NORDEA BANK ABP

FIN		 1.01 0.68%
0.73%		 3.53% 0.73% 1.0 -0.42
-1.61%		 33.56 26.76% 5.28 42.0

AAREAL BANK

GER		 1.0 0.0%
0.0%		 -100.0% 0.0% 0.5 0.26
-48.18%		 0.18 1.66% 6.88 43.0

DEUTSCHE BANK

GER		 0.97 2.23%
3.08%		 -16.29% 1.07% 0.5 -0.23
-76.56%		 0.0 669.2% 5.41 44.0

DNB BANK ASA

NOR		 1.0 5.09%
6.73%		 16.2% 9.81% 1.0 0.61
-8.0%		 nan nan% 8.01 nan

INDUSTRIAL BANK

CHN		 1.0 3.77%
6.17%		 6.15% 4.54% 1.0 0.68
-19.6%		 nan 6.42% 8.17 nan

Information for FINANCIAL INSTITUTIONS INC

Yield Triangle

Dividend & Close

Dividend Close Div.-Yield
Year
2023 0.90 16.64 5.41
2022 0.87 24.36 3.57
2021 1.08 31.80 3.40
2020 1.04 22.50 4.62
2019 1.00 32.10 3.12
2018 0.96 25.48 3.77
2017 0.85 31.10 2.73
2016 0.81 34.20 2.37
2015 0.80 28.00 2.86
2014 0.77 25.15 3.06
2013 0.74 24.71 2.99

Fundamentals

Chart