Financial Institutions, Inc
Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. The company offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investments, as well as individual retirement and other qualified plan accounts. It also provides short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans to finance the purchase of real property; and one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit, as well as consumer loans, such as automobile, recreational vehicle, boat, personal, and deposit account collateralized loans. In addition, the company 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, annuities, mutual funds, and retirement programs. Further, it offers customized investment advice and 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 53 offices in the New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York. Show More...
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Website http://www.five-starbank.com
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Sector Financial Services
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Industry Banks-Regional
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Last Quote 25.82 USD
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Last Updated 30-05-2025
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External Links Yahoo Finance Morningstar Ratios
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Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 1.61 1.49 1.6 1.75 2.0 1.9 2.1 2.13 2.39 2.96 2.31 Dividends USD 0.4 0.47 0.57 0.74 0.77 0.8 0.81 0.85 0.96 1.0 1.01 Payout Ratio % * 24.8 29.9 35.6 40.6 40.0 40.0 40.6 41.7 35.7 37.9 43.7 Shares Mil 11.0 13.0 14.0 14.0 14.0 14.0 14.0 15.0 16.0 16.0 16.0 Book Value Per Share * USD 14.48 16.18 17.15 16.67 18.45 19.6 21.25 21.89 23.53 25.95 26.35 Free Cash Flow Per Share * USD 3.04 2.98 2.39 2.25 2.55 1.88 2.68 2.33 3.7 3.27 Return on Assets % 0.82 0.86 0.86 0.85 0.93 0.83 0.86 0.82 0.9 1.09 0.84 Financial Leverage (Average) 13.98 10.63 11.69 12.33 11.78 12.23 12.26 11.28 11.38 10.4 10.6 Return on Equity % 11.58 10.38 9.64 10.16 11.16 9.98 10.52 9.62 10.25 11.84 9.1 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 0.17 0.14 0.13 0.11 0.1 0.09 0.09