Financial Institutions conducts its business through its subsidiaries: Five Star Bank, a New York chartered bank, and Scott Danahy Naylon, 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. It 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 transactions, remote deposit and mobile banking through telephone or wireless devices.

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

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

Financial Institutions Financials

Financial Institutions's revenue was reported to be $115.23 m in FY, 2016 which is a 9.3% increase from the previous period.
USD

Net income (FY, 2017)

33.5 m

EBIT (FY, 2017)

99.3 m

Market capitalization (20-Apr-2018)

469.1 m

Cash (31-Dec-2017)

99.2 m

EV

816.1 m
Financial Institutions's current market capitalization is $469.1 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

98.9 m101.1 m105.5 m115.2 m

Revenue growth, %

2%4%9%

Cost of goods sold

10.1 m12.5 m17.5 m

Gross profit

95.3 m102.7 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Revenue

32.4 m34 m36.9 m37.2 m37.9 m38.4 m40.7 m

Cost of goods sold

2.6 m2.9 m2.9 m3 m3.3 m3.5 m4 m

Gross profit

29.9 m31.1 m33.9 m34.1 m34.6 m34.8 m36.8 m

Gross profit Margin, %

92%92%92%92%91%91%90%
Annual
USDFY, 2015FY, 2016FY, 2017

Cash

60.1 m71.3 m99.2 m

Accounts Receivable

Inventories

2.3 b2.7 b

PP&E

39.4 m42.4 m45.2 m
Quarterly
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Cash

52.6 m51.3 m110.9 m67.6 m110.7 m149.7 m84.5 m

Inventories

2 b2 b2.1 b2.2 b2.3 b2.4 b2.5 b

PP&E

37.1 m38 m40.8 m40.6 m40.2 m46.5 m46.3 m

Total Assets

3.4 b3.4 b3.5 b3.6 b3.7 b3.9 b3.9 b
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

25.5 m29.4 m28.3 m31.9 m33.5 m

Depreciation and Amortization

8.6 m9.2 m6.2 m

Inventories

Accounts Payable

Quarterly
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Net Income

7 m7.2 m6.8 m7 m8.3 m7.6 m7.2 m8.5 m7.9 m6.2 m

Depreciation and Amortization

4.2 m6.4 m2.2 m4.5 m6.8 m2.3 m4.7 m

Cash From Operating Activities

22.3 m35.2 m17 m22.8 m37.4 m7.3 m22.6 m

Cash From Investing Activities

(282.1 m)(281.2 m)(79 m)(182.3 m)(247.9 m)(71.8 m)(172.7 m)
USDY, 2017

EV/EBIT

8.2 x

EV/CFO

17.6 x

Financial Leverage

10.8 x
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Financial Institutions Operating Metrics

Financial Institutions's Total Loans was reported to be $2.5b in Q2, 2017.
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