Financial Institutions Annual Income Statement (NASDAQ:FISI)

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$32.85 $0.55 (1.7%) FISI stock closing price Dec 07, 2016 (Closing)

Looking at financial statements, along with the Financial Institutions stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the FISI stock is bound to reflect the impact of the YoY growth of $9.38M. Along with Financial Institutions assets and Financial Institutions free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $29.35M YoY and 2015 revenue is $135.78M. Financial Institutions revenue for 2015 is $135.78M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Financial Institutions Net Sales or Revenues
135.78M126.4M123.76M122.34M119.04M115.96M113.27M50.17M125.89M124.98M
Cost Of Goods Sold (COGS)7.3M6.36M6.6M8.46M11.43M14.85M19.09M29.34M42.71M37.44M
Financial Institutions Gross Profit
128.48M120.03M117.16M113.88M107.6M101.11M94.18M20.82M83.17M87.53M
Research & Development Expense----------
Selling General & Admin Expense86.02M80.14M78.52M78.52M71.57M67.6M70.47M64.01M57.23M59.19M
Income Before Depreciation Depletion Amortization42.45M39.89M38.64M35.35M36.03M33.5M23.7M-43.19M25.94M28.34M
Depreciation Depletion Amortization0.75M-------0.3M0.42M
Non Operating Income---------1.84M
Interest Expense2.83M0.91M0.73M0.58M1.82M2.86M3.12M4.26M4.42M6.15M
Financial Institutions Pretax Income
38.87M38.98M37.9M34.76M34.21M30.63M20.58M-47.45M21.2M23.6M
Provision for Income Taxes10.53M9.62M12.37M11.31M11.41M9.35M6.14M-21.3M4.8M6.24M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations28.33M29.35M25.53M23.44M22.79M21.28M14.44M-26.15M16.4M17.36M
Extraordinary Items & Discontinued Operations----------
Financial Institutions Net Income (Profit/Loss)
28.33M29.35M25.53M23.44M22.79M21.28M14.44M-26.15M16.4M17.36M
Average Shares used to compute Diluted EPS14.07M13.95M13.78M13.75M13.16M10.84M10.77M10.82M11.18M12.4M
Average Shares used to compute Basic EPS14.07M13.89M13.74M13.7M13.07M10.84M10.73M10.82M11.15M12.4M
Income Before Nonrecurring Items28.34M29.36M25.53M23.45M23.5M21.29M14.79M-26.16M15.31M17.36M
Income from Nonrecurring Items-----0.7M--0.35M-1.1M-
Financial Institutions Earnings Per Share Basic Net
1.912.011.861.601.501.620.99-2.561.341.40
Financial Institutions Earnings Per Share Diluted Net
1.902.001.851.601.491.610.99-2.561.331.40
EPS Diluted Before Nonrecurring Items1.902.001.851.601.541.611.02-2.561.231.40
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.800.770.740.570.470.400.400.540.460.34
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Financial Institutions stock analysis. An investor must check the following items in an income statement:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Financial Institutions revenue chart) implies that the company is growing, which has been the case with Financial Institutions. One must stay away from stocks whose revenues are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $135.78M - other expenses = $28.33M for FISI stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with Financial Institutions historical stock prices provides a lot of details about the firm. .

Financial Institutions Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
16.6750
PS ratio (
price sales ratio
)
3.2122
Operating margin
34.6
Net profit margin
22.3
Dividend yield
2.44%