Financial Institutions Annual Income Statement (NASDAQ:FISI)

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$30.45 $0.45 (1.46%) FISI stock closing price Jul 21, 2017 (Closing)

Financial statements provide us with a way to gain insights and undertake the fundamental analysis of a company. Checking Financial Institutions stock price alone is not sufficient. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. 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 $15.21M. The operating expenses (also check: Financial Institutions assets and Financial Institutions free cash flow) as shown in the Financial Institutions profit and loss statement 2016 total to $102.75M. This line item has increased from $94.07M compared with last year. Financial Institutions revenue for 2016 is $150.99M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Financial Institutions Net Sales or Revenues
150.99M135.78M126.4M123.76M122.34M119.04M115.96M113.27M50.17M125.89M
Cost Of Goods Sold (COGS)8.45M7.3M6.36M6.6M8.46M11.43M14.85M19.09M29.34M42.71M
Financial Institutions Gross Profit
142.53M128.48M120.03M117.16M113.88M107.6M101.11M94.18M20.82M83.17M
Research & Development Expense----------
Selling General & Admin Expense94.3M86.02M80.14M78.52M78.52M71.57M67.6M70.47M64.01M57.23M
Income Before Depreciation Depletion Amortization48.22M42.45M39.89M38.64M35.35M36.03M33.5M23.7M-43.19M25.94M
Depreciation Depletion Amortization-0.75M-------0.3M
Non Operating Income----------
Interest Expense4.08M2.83M0.91M0.73M0.58M1.82M2.86M3.12M4.26M4.42M
Financial Institutions Pretax Income
44.14M38.87M38.98M37.9M34.76M34.21M30.63M20.58M-47.45M21.2M
Provision for Income Taxes12.21M10.53M9.62M12.37M11.31M11.41M9.35M6.14M-21.3M4.8M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations31.93M28.33M29.35M25.53M23.44M22.79M21.28M14.44M-26.15M16.4M
Extraordinary Items & Discontinued Operations----------
Financial Institutions Net Income (Profit/Loss)
31.93M28.33M29.35M25.53M23.44M22.79M21.28M14.44M-26.15M16.4M
Average Shares used to compute Diluted EPS15.13M14.07M13.95M13.78M13.75M13.16M10.84M10.77M10.82M11.18M
Average Shares used to compute Basic EPS15.13M14.07M13.89M13.74M13.7M13.07M10.84M10.73M10.82M11.15M
Income Before Nonrecurring Items31.93M28.34M29.36M25.53M23.45M23.5M21.29M14.79M-26.16M15.31M
Income from Nonrecurring Items------0.7M--0.35M-1.1M
Financial Institutions Earnings Per Share Basic Net
2.111.912.011.861.601.501.620.99-2.561.34
Financial Institutions Earnings Per Share Diluted Net
2.101.902.001.851.601.491.610.99-2.561.33
EPS Diluted Before Nonrecurring Items2.101.902.001.851.601.541.611.02-2.561.23
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.810.800.770.740.570.470.400.400.540.46
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:
  • Topline: A growing topline, as seen from the Financial Institutions revenue chart, as is the case with Financial Institutions indicates a growing business. One needs to compare the QoQ or YoY topline growth of FISI stock with its peers like FMBH stock and OFG stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $150.99M - other expenses = $31.93M 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)
14.3630
PS ratio (
price sales ratio
)
2.9030
Operating margin
32.4
Net profit margin
20.7
Dividend yield
2.69%