Financial Institutions Stock Earnings Report NASDAQ:FISI
Current P/E ratio: 7.55 | Price (Jan 14, 2022, EOD): $33.57 (Find current average P/E ratios for all sectors below)
FISI Upcoming Earnings (Q4 2021)
|Earnings Date:||Jan 31, 2022|
FISI Analysts Price TargetsCurrently no data available.
About Financial Institutions
Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. The company operates in two segments, Banking and Insurance. The Banking segment includes retail and commercial banking operations. This segment offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investments, as well as individual retirement, NOW, and other accounts. It also provides short and medium-term commercial loans for businesses for working capital, business expansion, and the purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans for the purchase of real property; and one-to-four family residential mortgage and real estate loans. In addition, this segment offers consumer automobile loans, recreational vehicle loans, boat loans, home improvement loans, closed-end home equity loans, home equity lines of credit, personal loans, and deposit account collateralized loans. The Insurance segment provides personal insurance, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance, such as 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 services, annuities, mutual funds, and retirement programs across 44 states. Financial Institutions, Inc. also invests in various securities; and offers investment management and consulting services. As of February 25, 2016, the company offered its products and services through a network of approximately 50 offices and 60 ATMs in Western and Central New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Last 3 Quarters for FISI Premium
Below you can see how FISI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.
Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.
What To Know About Earnings Reports
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
Average Sector P/E ratio
Is your stock priced above or below the average P/E ratio?
A higher P/E ratio shows that investors are willing to pay a higher share price today because of growth expectations in the future. For example, a company with a current P/E of 25, trades at 25 times today's earnings.
|Name||Number of firms||Average PE|
|Auto & Truck||13||15|
|Bank (Money Center)||7||11|
|Brokerage & Investment Banking||39||14|
|Business & Consumer Services||165||32|
|Coal & Related Energy||22||7|
|Electronics (Consumer & Office)||20||18|
|Environmental & Waste Services||82||70|
|Financial Svcs. (Non-bank & Insurance)||232||36|
|Green & Renewable Energy||22||88|
|Healthcare Support Services||128||131|
|Heathcare Information and Technology||129||132|
|Investments & Asset Management||192||120|
|Metals & Mining||92||37|
|Office Equipment & Services||22||16|
|Oil/Gas (Production and Exploration)||269||19|
|Packaging & Container||24||43|
|Publishing & Newspapers||31||28|
|Real Estate (Development)||20||146|
|Real Estate (General/Diversified)||12||31|
|Real Estate (Operations & Services)||57||23|
|Retail (Building Supply)||17||202|
|Retail (Grocery and Food)||13||38|
|Retail (Special Lines)||89||25|
|Shipbuilding & Marine||10||30|
|Software (System & Application)||363||144|
|Total Market (without financials)||5878||62|
Updated: Jan 2020
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