La catena delle opzioni mostra i dati chiave delle opzioni azionarie di Financial Institutions a vari prezzi di esercizio e date di scadenza. I trader utilizzano queste informazioni per analizzare potenziali operazioni e valutare il sentiment del mercato per Financial Institutions..

Financial Institutions (NASDAQ:FISI) Azioni, Catena delle Opzioni

FINANCIAL INSTITUTIONS INC

Financial Institutions

Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.

Financial Institutions, Inc. - Common Stock

Financial Institutions Inc

FISION CORP by Fision Corp

Fision Corp

WIIM

FISI

Financial Institutions shares are trading higher after the company reported better-than-expected Q1 adjusted EPS results.

Earnings

Earnings Beats

Earnings Misses

News

Financial Institutions Q1 Adj. EPS $0.81 Beats $0.73 Estimate, Sales $46.86M Miss $47.81M Estimate

<h3>Companies Reporting Before The Bell</h3>
• Guardforce AI Co (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GFAI#NASDAQ">GFAI</a>) is projected to report earnings for its Fiscal Year 2024. 
• Bright Scholar Education (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BEDU#NYSE">BEDU</a>) is expected to report earnings for its second quarter. 
• Kandi Technologies Group (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KNDI#NASDAQ">KNDI</a>) is estimated to report earnings for its fourth quarter. 
• SuperCom (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SPCB#NASDAQ">SPCB</a>) is projected to report quarterly loss at $0.46 per share on revenue of $6.48 million. 
• Provident Finl Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PROV#NASDAQ">PROV</a>) is expected to report quarterly earnings at $0.24 per share on revenue of $9.86 million. 
• Toyo Co (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TOYO#NASDAQ">TOYO</a>) is estimated to report earnings for its Fiscal Year 2024. 
• InMode (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INMD#NASDAQ">INMD</a>) is projected to report quarterly earnings at $0.35 per share on revenue of $77.57 million. 
• BankUnited (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BKU#NYSE">BKU</a>) is likely to report quarterly earnings at $0.76 per share on revenue of $263.57 million. 
• Alliance Res Partners (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARLP#NASDAQ">ARLP</a>) is projected to report quarterly earnings at $0.51 per share on revenue of $556.31 million. 
• Roper Techs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ROP#NASDAQ">ROP</a>) is projected to report quarterly earnings at $4.75 per share on revenue of $1.89 billion. 
• Revvity (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RVTY#NYSE">RVTY</a>) is estimated to report quarterly earnings at $0.96 per share on revenue of $662.30 million. 
• Opera (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OPRA#NASDAQ">OPRA</a>) is expected to report quarterly earnings at $0.24 per share on revenue of $132.48 million. 
• Silicom (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SILC#NASDAQ">SILC</a>) is likely to report quarterly loss at $0.37 per share on revenue of $14.37 million. 
• Rithm Property Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RPT#NYSE">RPT</a>) is projected to report earnings for its first quarter. 
• Fomento Economico (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FMX#NYSE">FMX</a>) is estimated to report earnings for its first quarter. 
• Domino's Pizza (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DPZ#NASDAQ">DPZ</a>) is likely to report quarterly earnings at $4.04 per share on revenue of $1.12 billion. 
• Perfect (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PERF#NYSE">PERF</a>) is estimated to report quarterly earnings at $0.02 per share on revenue of $16.16 million. 
• Bank of Marin (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BMRC#NASDAQ">BMRC</a>) is likely to report quarterly earnings at $0.31 per share on revenue of $27.99 million. 
• Cemex (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CX#NYSE">CX</a>) is expected to report quarterly earnings at $0.00 per share on revenue of $3.85 billion. 
<h3>Companies Reporting After The Bell</h3>
• Merchants Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBIN#NASDAQ">MBIN</a>) is expected to report quarterly earnings at $1.28 per share on revenue of $169.00 million. 
• Medifast (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MED#NYSE">MED</a>) is projected to report quarterly loss at $0.25 per share on revenue of $116.40 million. 
• SunCar Tech Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SDA#NASDAQ">SDA</a>) is projected to report earnings for its Fiscal Year 2024. 
• EZCORP (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EZPW#NASDAQ">EZPW</a>) is expected to report quarterly earnings at $0.30 per share on revenue of $306.17 million. 
• Beyond (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BYON#NYSE">BYON</a>) is projected to report quarterly loss at $0.63 per share on revenue of $288.13 million. 
• Sanmina (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SANM#NASDAQ">SANM</a>) is likely to report quarterly earnings at $1.38 per share on revenue of $1.97 billion. 
• Firstsun Capital Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSUN#NASDAQ">FSUN</a>) is expected to report earnings for its first quarter. 
• CVR Energy (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVI#NYSE">CVI</a>) is estimated to report quarterly loss at $0.75 per share on revenue of $1.65 billion. 
• Leggett &amp; Platt (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LEG#NYSE">LEG</a>) is projected to report quarterly earnings at $0.22 per share on revenue of $1.02 billion. 
• Welltower (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WELL#NYSE">WELL</a>) is estimated to report quarterly earnings at $1.14 per share on revenue of $2.37 billion. 
• Harmonic (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HLIT#NASDAQ">HLIT</a>) is likely to report quarterly earnings at $0.05 per share on revenue of $127.51 million. 
• Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) is likely to report quarterly earnings at $0.80 per share on revenue of $56.32 million. 
• Waste Management (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WM#NYSE">WM</a>) is likely to report quarterly earnings at $1.68 per share on revenue of $6.12 billion. 
• Brixmor Property Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRX#NYSE">BRX</a>) is estimated to report earnings for its first quarter. 
• Crane (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CR#NYSE">CR</a>) is expected to report quarterly earnings at $1.30 per share on revenue of $546.93 million. 
• Ameris (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ABCB#NYSE">ABCB</a>) is estimated to report quarterly earnings at $1.14 per share on revenue of $276.83 million. 
• Rambus (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RMBS#NASDAQ">RMBS</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $162.83 million. 
• PotlatchDeltic (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PCH#NASDAQ">PCH</a>) is likely to report quarterly earnings at $0.16 per share on revenue of $243.68 million. 
• Cincinnati Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CINF#NASDAQ">CINF</a>) is likely to report quarterly loss at $0.52 per share on revenue of $2.71 billion. 
• F5 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FFIV#NASDAQ">FFIV</a>) is projected to report quarterly earnings at $3.22 per share on revenue of $703.63 million. 
• NXP Semiconductors (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NXPI#NASDAQ">NXPI</a>) is expected to report quarterly earnings at $2.60 per share on revenue of $2.83 billion. 
• Cadence Design Systems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CDNS#NASDAQ">CDNS</a>) is estimated to report quarterly earnings at $1.50 per share on revenue of $1.24 billion. 
• Gerdau (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GGB#NYSE">GGB</a>) is estimated to report earnings for its first quarter. 
• Alexandria Real Estate (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARE#NYSE">ARE</a>) is expected to report quarterly earnings at $2.29 per share on revenue of $758.46 million. 
• Nucor (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NUE#NYSE">NUE</a>) is projected to report quarterly earnings at $0.56 per share on revenue of $7.31 billion. 
• Brown &amp; Brown (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRO#NYSE">BRO</a>) is expected to report quarterly earnings at $1.28 per share on revenue of $1.41 billion. 
• SJW Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SJW#NASDAQ">SJW</a>) is projected to report quarterly earnings at $0.37 per share on revenue of $160.54 million. 
• Two Harbors Inv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TWO#NYSE">TWO</a>) is likely to report quarterly earnings at $0.42 per share on revenue of $-28 million. 
• Five Star (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSBC#NASDAQ">FSBC</a>) is projected to report quarterly earnings at $0.58 per share on revenue of $34.94 million. 
• Seven Hills Realty Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SEVN#NASDAQ">SEVN</a>) is likely to report quarterly earnings at $0.31 per share on revenue of $7.58 million. 
• Solaris Energy (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SEI#NYSE">SEI</a>) is projected to report quarterly earnings at $0.13 per share on revenue of $119.20 million. 
• SBA Communications (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SBAC#NASDAQ">SBAC</a>) is expected to report quarterly earnings at $2.32 per share on revenue of $661.98 million. 
• CVR Partners (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UAN#NYSE">UAN</a>) is expected to report earnings for its first quarter. 
• CNO Finl Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CNO#NYSE">CNO</a>) is likely to report quarterly earnings at $0.80 per share on revenue of $975.80 million. 
• UFP Industries (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UFPI#NASDAQ">UFPI</a>) is projected to report quarterly earnings at $1.57 per share on revenue of $1.61 billion. 
• Woodward (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WWD#NASDAQ">WWD</a>) is projected to report quarterly earnings at $1.46 per share on revenue of $838.72 million. 
• Simpson Manufacturing Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SSD#NYSE">SSD</a>) is projected to report quarterly earnings at $1.77 per share on revenue of $544.94 million. 
• Teradyne (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TER#NASDAQ">TER</a>) is projected to report quarterly earnings at $0.61 per share on revenue of $680.54 million. 
• Transocean (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RIG#NYSE">RIG</a>) is projected to report quarterly loss at $0.10 per share on revenue of $884.92 million. 
• Piedmont Office Realty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PDM#NYSE">PDM</a>) is projected to report quarterly earnings at $0.35 per share on revenue of $141.29 million. 
• Kforce (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KFRC#NYSE">KFRC</a>) is estimated to report quarterly earnings at $0.47 per share on revenue of $334.61 million. 
• Universal Health Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UHS#NYSE">UHS</a>) is expected to report quarterly earnings at $4.38 per share on revenue of $4.16 billion. 
• COPT Defense Props (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CDP#NYSE">CDP</a>) is likely to report quarterly earnings at $0.65 per share on revenue of $185.78 million. 
• Crown Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCK#NYSE">CCK</a>) is projected to report quarterly earnings at $1.23 per share on revenue of $2.82 billion. 
• Noble Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NE#NYSE">NE</a>) is likely to report quarterly earnings at $0.36 per share on revenue of $863.31 million. 
• Amkor Tech (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMKR#NASDAQ">AMKR</a>) is estimated to report quarterly earnings at $0.09 per share on revenue of $1.28 billion. 
• NOV (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NOV#NYSE">NOV</a>) is estimated to report quarterly earnings at $0.26 per share on revenue of $2.10 billion. 
• Northwest Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NWBI#NASDAQ">NWBI</a>) is estimated to report quarterly earnings at $0.24 per share on revenue of $142.16 million. 
• RBB Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RBB#NASDAQ">RBB</a>) is likely to report quarterly earnings at $0.38 per share on revenue of $28.98 million. 
• Franklin BSP Realty Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FBRT#NYSE">FBRT</a>) is expected to report quarterly earnings at $0.37 per share on revenue of $53.04 million. 
• Netstreit (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NTST#NYSE">NTST</a>) is expected to report quarterly earnings at $0.31 per share on revenue of $44.21 million. 
• Enterprise Finl Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EFSC#NASDAQ">EFSC</a>) is likely to report earnings for its first quarter. 
• Alerus Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALRS#NASDAQ">ALRS</a>) is estimated to report quarterly earnings at $0.44 per share on revenue of $66.19 million. 
• Ultra Clean Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UCTT#NASDAQ">UCTT</a>) is likely to report quarterly earnings at $0.31 per share on revenue of $561.40 million. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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Market Index Target Term Securities Linked To The Dow Jones Industrial Average

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Earnings Scheduled For April 28, 2025

Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) will release its quarterly earnings report on Monday, 2025-04-28. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate Financial Institutions to report an earnings per share (EPS) of $0.80.
The market awaits Financial Institutions's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Earnings History Snapshot</h3>
In the previous earnings release, the company missed EPS by $0.01, leading to a 2.91% drop in the share price the following trading session.
Here's a look at Financial Institutions's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.56</td>
<td>0.76</td>
<td>2.01</td>
<td>0.59</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.55</td>
<td>0.84</td>
<td>1.62</td>
<td>0.11</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-3.0%</td>
<td>-4.0%</td>
<td>5.0%</td>
<td>1.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745607666_0.png" alt="eps graph" />
<h3>Market Performance of Financial Institutions's Stock</h3>
Shares of Financial Institutions were trading at $23.96 as of April 24. Over the last 52-week period, shares are up 35.55%. Given that these returns are generally positive, long-term shareholders should be satisfied going into this earnings release. 
<a href="https://www.benzinga.com/quote/FISI/earnings">To track all earnings releases for Financial Institutions visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insights Ahead: Financial Institutions's Quarterly Earnings

Stephens &amp; Co. analyst Matt Breese reiterates Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) with a Equal-Weight and maintains $32 price target.

Price Target

Reiteration

Analyst Ratings

Stephens & Co. Reiterates Equal-Weight on Financial Institutions, Maintains $32 Price Target

Accordingly, the Company is recording a litigation accrual in the Company's fourth quarter 2024 consolidated financial statements of $23.0 million, or $17.1 million after tax. Details on the settlement agreement and the financial impact of the litigation accrual on fourth quarter and full-year 2024 results were included in Current Reports on Form 8-K filed today with the Securities and Exchange Commission. The Company does not anticipate that additional amounts will be accrued for this matter in 2025 or other future periods, and it does not expect any changes to its previously published 2025 guidance as a result of the settlement.

Legal

Financial Institutions Settles Civil Litigation

Financial Institutions, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) (the "Company"), parent company of Five Star Bank and Courier Capital, LLC, announced that on February 12, 2025, its Board of Directors approved a quarterly cash dividend of $0.31 per outstanding common share, an increase of $0.01, or 3.3%, from the most recent quarter.

Dividends

Financial Institutions Increases Quarterly Dividend From $0.30 To $0.31 Per Share

Keefe, Bruyette &amp; Woods analyst Damon Delmonte upgrades Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) from Market Perform to Outperform and raises the price target from $29 to $34.

Upgrades

Keefe, Bruyette & Woods Upgrades Financial Institutions to Outperform, Raises Price Target to $34

Stephens &amp; Co. analyst Matt Breese reiterates Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) with a Equal-Weight and maintains $33 price target.

Stephens & Co. Reiterates Equal-Weight on Financial Institutions, Maintains $33 Price Target

Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) reported quarterly adjusted earnings of $0.55 per share which missed the analyst consensus estimate of $0.56. The company reported quarterly sales of $41.63 million which missed the analyst consensus estimate of $42.36 million by 1.71 percent. This is a 4.38 percent increase over sales of $39.89 million the same period last year. Adjusted earnings exclude loss on investment securities of $100.1M or $75M after-tax due to previously disclosed securities portfolio restructurings.

Financial Institutions Q4 Adj EPS $0.55 miss $0.56 Estimate, Sales $41.63M Miss $42.36M Estimate. Adjusted EPS excludes loss on investment securities of $100.1M or $75M after-tax due to previously disclosed securities portfolio restructurings.

Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) just disclosed its Q4 earnings on Thursday, January 30, 2025 at 04:05 PM.
Here's a brief overview of the earnings report.
<h3>Earnings</h3>
Financial Institutions missed estimated earnings by -2.0%, reporting an EPS of $0.55 versus an estimate of $0.56.
Revenue was up $1.75 million from the same period last year.
<h3>Previous Earnings Records</h3>
During the previous quarter, the company beat on EPS by $0.08, leading to a 4.0% drop share price change the next day.
Here's a look at Financial Institutions's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.76</td>
<td>2.01</td>
<td>0.59</td>
<td>0.71</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.84</td>
<td>1.62</td>
<td>0.11</td>
<td>0.61</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>42.17M</td>
<td>45.09M</td>
<td>39.52M</td>
<td>40.32M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>40.68M</td>
<td>41.19M</td>
<td>40.08M</td>
<td>39.89M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Financial Institutions <a href="https://www.benzinga.com/quote/FISI/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Financial Institutions Earnings Report: Q4 Overview

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Earnings Scheduled For January 30, 2025

While I generally shy away from thematic investing, two compelling sectors stand out as we look toward 2025: energy and regional/micro-cap banks, particularly those showing strong insider buying and attractive yields. Let me explain why these areas deserve special attention.
&nbsp;Banking has been a cornerstone of my investment approach for nearly four decades, consistently generating substantial returns for myself, my clients, and my readers. The sector&#8217;s appeal stems from our early 1990s discovery of the remarkable opportunity in small and regional bank investing, focusing on valuation and margin of safety principles, enhanced by dividend factors.
Banks are emerging from what I call the &#8220;proverbial winter&#8221; of the Biden administration, which maintained a notably unfriendly stance toward financial services, particularly regarding merger and acquisition activity. Regardless of one&#8217;s political views, the anticipated Trump administration promises a markedly different approach, featuring bank-friendly policies, reduced corporate taxes, and lighter regulatory oversight. While interest rate trajectories remain uncertain, these factors collectively paint an optimistic picture for the banking industry. The energy sector presents an equally compelling investment case. While natural gas typically dominates our discussions due to its crucial role in home heating and electricity generation, today I want talk about oil and refined products in today&#8217;s world.
The market&#8217;s premature dismissal of traditional combustion engines in favor of electric vehicles has created interesting opportunities. Despite widespread predictions, the transition to EVs hasn&#8217;t materialized as rapidly as projected. The reality is stark: we won&#8217;t achieve 100% renewable energy by 2030, and attempting to do so could prove catastrophically disruptive.
Our power grid remains unprepared for mass EV adoption, charging infrastructure is inadequate, and millions of traditional vehicles will continue operating well into the 2030s.
HF Sinclair (Ticker: DINO) Following their Sinclair Oil acquisition, this company has emerged as an energy sector powerhouse. Their assets include:
<ul>
<li>Seven refineries across Mid-Continent, West, and Pacific regions </li>
<li>678,000 barrels daily refining capacity </li>
<li>1,500 branded retail stations plus 300 licensed sites </li>
<li>4,400 miles of pipeline infrastructure </li>
<li>18.3 million barrels of storage capacity </li>
<li>Growing renewable diesel operations</li>
</ul>
Trading at 12x earnings and 70% of book value, offering a 5.54% dividend yield, DINO presents compelling value. Recent insider buying, particularly from the CFO and CEO, adds confidence to the investment thesis. The company maintains a shareholder-friendly stance, having returned $954 million through dividends and buybacks as of September 2024, with a new $1 billion repurchase program announced.
Financial Institutions Inc. (Ticker: FISI) This parent company of Five Star Bank, operating throughout western New York, presents an interesting turnaround story. After addressing low-yielding securities through a strategic stock offering, raising $95 million to restructure their portfolio, FISI stands poised for improved performance. Their business model features:
<ul>
<li>49 branches across key western New York markets </li>
<li>$6 billion in total assets </li>
<li>Strong indirect auto lending business (19% of loans) </li>
<li>Conservative lending practices </li>
<li>Solid deposit base with reduced reliance on brokered deposits</li>
</ul>
Trading at 8x earnings with a 4.69% dividend yield, FISI has attracted significant insider buying, particularly during their recent offering. The management team&#8217;s substantial personal investment signals confidence in their portfolio restructuring strategy.
Both companies represent undervalued opportunities in sectors positioned for strong performance regardless of broader economic or political developments. Their combination of insider confidence, attractive yields, and fundamental value creates a compelling investment case for 2025.
This analysis exemplifies our continued focus on identifying opportunities where insider buying, attractive valuations, and strong dividend yields converge in sectors with favorable long-term prospects.

Opinion

DINO

C-Suite Buy of the Week: Investment Potential in Regional Banking and Energy

Piper Sandler analyst Frank Schiraldi assumes Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) with a Overweight rating and announces Price Target of $33.

Initiation

Piper Sandler Assumes Financial Institutions at Overweight, Announces Price Target of $33

Financial Institutions, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) (the "Company"), parent company of Five Star Bank and Courier Capital, LLC, today announced the pricing of its previously announced underwritten public offering of 4,000,000 shares of its common stock at a public offering price of $25.00 per share. The expected proceeds to the Company, after deducting underwriting discounts and commissions but before deducting operating expenses payable by the Company, are approximately $95.0 million. In addition, the Company has granted the underwriters a 30-day option to purchase up to an additional 600,000 shares of Company common stock at the public offering price, less underwriting discounts, and commissions.
The Company intends to use the net proceeds from this offering for general corporate purposes which may include a balance sheet restructuring through the repositioning of a substantial portion of our available-for-sale debt securities portfolio to support continued growth as well as the repayment of indebtedness.

Offerings

Reported Earlier, Financial Institutions Prices $95M Common Stock Offering Of 4M Shares At $25/Share

Financial Institutions Launches Offering Of Common Stock; Terms Not Disclosed

Keefe, Bruyette &amp; Woods analyst Damon Delmonte maintains Financial Institutions (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FISI#NASDAQ">FISI</a>) with a Market Perform and raises the price target from $27 to $28.

Keefe, Bruyette & Woods Maintains Market Perform on Financial Institutions, Raises Price Target to $28

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Shares of banking-related companies are trading higher after Donald Trump won the US presidential election.

Comments

Financial Institutions

Financial Institutions (FISI) Opzioni

Financial Institutions (NASDAQ:FISI) Azioni, Catena delle Opzioni

Notizie

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