Financial Institutions

The Company conducts its business through its subsidiaries: Five Star Bank (the Bank), a New York chartered bank, and Scott Danahy Naylon, LLC (SDN), a full service insurance agency. The Company offers an array of deposit, lending, insurance services and other financial services to individuals, municipalities and businesses in Western and Central New York through the Bank. The Company operates through two segments: banking and insurance. The banking segment includes the Company's retail and commercial banking operations. The insurance segment includes the activities of SDN, which provides a range of insurance services to both personal and business clients. It offers a choice of various delivery systems and channels, including telephone, point-of-sale transactions, automated clearing house (ACH) transactions, remote deposit and mobile banking through telephone or wireless devices.

Type
Public
HQ
Warsaw, US
Size (employees)
654 (est)-5%
Website
snl.com
Financial Institutions is headquartered in Warsaw, US

Financial Institutions Office Locations

Financial Institutions has offices in Warsaw, Brooklyn
Warsaw, US (HQ)
220 Liberty St
Brooklyn, US
6201 15th Ave

Financial Institutions Metrics

Financial Institutions Financial Metrics

Revenue (2016)

$115.2 m

Revenue growth (2015-16), %

9%

Gross profit

$102.7 m

Gross profit margin (2016), %

89%

Net income (2016)

$31.9 m

Market capitalization (21-Mar-2017)

$473.1 m

Closing share price (21-Mar-2017)

$32.9

Cash (31-Dec-2016)

$71.3 m
Financial Institutions's current market capitalization is $473.1 m.
Financial Institutions's revenue was reported to be $115.2 m in FY, 2016 which is a 9.3% increase from the previous period.
FY, 2013FY, 2014FY, 2015FY, 2016

Revenue

$98.9 m$101.1 m$105.5 m$115.2 m

Revenue growth, %

2%4%9%

Cost of goods sold

$10.1 m$12.5 m

Gross profit

$95.3 m$102.7 m

Gross profit Margin, %

90%89%

Operating expense total

$79.4 m$84.7 m

EBIT

$87.9 m$93.1 m

EBIT margin, %

83%81%

Pre tax profit

$38.9 m$44.1 m

Income tax expense

$10.5 m$12.2 m

Net Income

$25.5 m$29.4 m$28.3 m$31.9 m
FY, 2013FY, 2014FY, 2015FY, 2016

Cash

$60.1 m$71.3 m

Accounts Receivable

Inventories

PP&E

$39.4 m$42.4 m

Total Assets

$3.4 b$3.7 b

Accounts Payable

Additional Paid-in Capital

$72.7 m$81.8 m

Retained Earnings

$218.9 m$237.7 m

Total Equity

$293.8 m$320.1 m

Financial Leverage

11.5 x11.6 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$25.5 m$29.4 m$28.3 m$31.9 m

Depreciation and Amortization

$8.6 m$9.2 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

$43.1 m$46.7 m

Cash From Investing Activities

($305.9 m)($326.7 m)

Cash From Financing Activities

$264.8 m$291.1 m

Financial Institutions Market Value History

Financial Institutions News

Financial Institutions Company Life

You may also be interested in