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Upturn AI SWOT - About
FISI 
Financial Institutions Inc (FISI)
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Upturn Advisory Summary
04/04/2025: FISI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -14.13% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 444.12M USD | Price to earnings Ratio - | 1Y Target Price 32 |
Price to earnings Ratio - | 1Y Target Price 32 | ||
Volume (30-day avg) 215940 | Beta 0.7 | 52 Weeks Range 15.46 - 29.43 | Updated Date 04/6/2025 |
52 Weeks Range 15.46 - 29.43 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 5.61% | Basic EPS (TTM) -2.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -37.6% | Operating Margin (TTM) 162.09% |
Management Effectiveness
Return on Assets (TTM) -0.68% | Return on Equity (TTM) -8.14% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 625969024 | Price to Sales(TTM) 4.01 |
Enterprise Value 625969024 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 6.27 | Enterprise Value to EBITDA - | Shares Outstanding 20077900 | Shares Floating 18306421 |
Shares Outstanding 20077900 | Shares Floating 18306421 | ||
Percent Insiders 2.34 | Percent Institutions 83.3 |
Analyst Ratings
Rating 3 | Target Price 31 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Financial Institutions Inc
Company Overview
History and Background
Financial Institutions Inc. was founded in 1864 as a community bank in New York. It has grown through strategic acquisitions and organic growth, evolving into a diversified financial services provider.
Core Business Areas
- Community Banking: Offers a full range of banking services to individuals and small businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Provides banking and financial services to larger businesses, including commercial loans, treasury management, and international banking services.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
- Insurance Services: Provides insurance products and services.
Leadership and Structure
Financial Institutions Inc. is led by a board of directors and a senior management team. The organizational structure is based on business lines, with each segment having its own leadership and support functions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes. Competitors include M&T Bank, KeyCorp, and regional banks. Difficult to pinpoint market share in this general category.
- Residential Mortgages: Offers mortgage loans to individuals. Competitors include national mortgage lenders and other community banks. Difficult to pinpoint market share in this general category.
- Wealth Management Services: Provides financial planning and investment management services. Competitors include large wealth management firms such as Morgan Stanley and smaller local advisors. Difficult to pinpoint market share in this general category.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles.
Positioning
Financial Institutions Inc. positions itself as a community-focused bank with a commitment to providing personalized service and tailored financial solutions. Its competitive advantages include strong local market presence and long-standing customer relationships.
Total Addressable Market (TAM)
The TAM for regional banks in the US is substantial, estimated to be in the trillions of dollars. Financial Institutions Inc. captures a small but important segment of this TAM through its community-focused approach and regional presence.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified business lines
- Experienced management team
- Sound financial performance
Weaknesses
- Limited geographic reach compared to national banks
- Susceptibility to economic conditions in its primary market
- Need to invest in technology to compete with larger banks
- Dependence on interest rate margins
Opportunities
- Expansion into new markets
- Increased cross-selling of products and services
- Leveraging technology to improve efficiency and customer experience
- Acquisition of smaller banks or financial service providers
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- KEY
- CMA
Competitive Landscape
Financial Institutions Inc. competes with a range of banks and financial institutions, from large national players to smaller community banks. Its advantages include local market expertise and strong customer relationships. Its disadvantages include smaller size and limited resources compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth information cannot be provided.
Future Projections: Future projections cannot be provided.
Recent Initiatives: Recent initiatives undertaken by Financial Institutions Inc. cannot be provided, but would highlight recent strategic initiatives.
Summary
Financial Institutions Inc. is a regional bank with a strong community focus and diversified business lines. Its established customer relationships and local market presence are key strengths. However, it faces challenges from larger competitors and needs to invest in technology to maintain its competitive edge.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FHB
First Hawaiian Inc
FHB
First Hawaiian Inc
KEY
KeyCorp
KEY
KeyCorp
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
OZK
Bank Ozk
OZK
Bank Ozk
Sources and Disclaimers
Data Sources:
- Company Reports
- Industry Analysis
- Financial News
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share percentages are estimated and are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Financial Institutions Inc
Exchange NASDAQ | Headquaters Warsaw, NY, United States | ||
IPO Launch date 1999-06-25 | President, CEO & Director Mr. Martin K. Birmingham | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 598 | |
Full time employees 598 | |||
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial 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; 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 other secured and unsecured personal loans, as well as recreational vehicle, boat, and deposit account collateralized loans. 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. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
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