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 and Brooklyn
Warsaw, US (HQ)
220 Liberty St
Brooklyn, US
6201 15th Ave

Financial Institutions Data and Metrics

Financial Institutions Financial Metrics

Financial Institutions's revenue was reported to be $115.2 m in FY, 2016 which is a 9% increase from the previous period.
USD

Revenue (FY, 2016)

115.2 m

Revenue growth (FY, 2015 - FY, 2016), %

9%

Gross profit (FY, 2016)

102.7 m

Gross profit margin (FY, 2016), %

89%

Net income (FY, 2016)

31.9 m

EBIT (FY, 2016)

93.1 m

Market capitalization (27-Jun-2017)

431.5 m

Closing share price (27-Jun-2017)

30

Cash (31-Dec-2016)

71.3 m
Financial Institutions's current market capitalization is $431.5 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

98.9 m101.1 m105.5 m115.2 m

Revenue growth, %

2%4%9%

Cost of goods sold

10.1 m12.5 m

Gross profit

95.3 m102.7 m

Gross profit Margin, %

90%89%

Operating expense total

79.4 m84.7 m

EBIT

87.9 m93.1 m

EBIT margin, %

83%81%

Pre tax profit

38.9 m44.1 m

Income tax expense

10.5 m12.2 m

Net Income

25.5 m29.4 m28.3 m31.9 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

60.1 m71.3 m

PP&E

39.4 m42.4 m

Total Assets

3.4 b3.7 b

Additional Paid-in Capital

72.7 m81.8 m

Retained Earnings

218.9 m237.7 m

Total Equity

293.8 m320.1 m

Financial Leverage

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

Net Income

25.5 m29.4 m28.3 m31.9 m

Depreciation and Amortization

8.6 m9.2 m

Cash From Operating Activities

43.1 m46.7 m

Cash From Investing Activities

(305.9 m)(326.7 m)

Cash From Financing Activities

264.8 m291.1 m
USDY, 2016

Revenue/Employee

166.8 k

Financial Leverage

11.6 x

Financial Institutions Market Value History

Financial Institutions News and Updates

Financial Institutions Company Life and Culture

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