Financial Institutions
Provides community banking and wealth-management services through Five Star Bank and Courier Capital.
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Profile
Provides consumer, commercial and municipal banking in Western and Central New York through Five Star Bank. Courier Capital adds investment advice, wealth management, financial planning and consulting to the holding company’s service mix.
Five Star Bank provides consumer, commercial and municipal banking across Western and Central New York, supplemented by commercial lending through loan-production offices. Courier Capital supplies investment advice, wealth management, financial planning and consulting.
Five Star Bank is the group’s banking subsidiary, while Courier Capital is its investment-advisory and wealth-management subsidiary. The operating structure combines a community-bank franchise with advisory services, following the 2005 consolidation of legacy subsidiary banks under the Five Star name.
Operations remain focused on Western and Central New York, while Courier Capital also has offices in Pittsburgh and Sarasota. Banking and advisory activities operate within the holding-company structure, and the company traces its banking continuity to the National Bank of Geneva, organized in 1817.
Company facts
Categories
Key statistics
Year to date +32.8% · Average volume (30d) 159.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Neutral | $36 | $45 | |
| Feb 2, 2026 | Piper Sandler | Reiterate | Neutral | $34 | $36 | |
| Dec 17, 2025 | Piper Sandler | Target | $33 | $34 | ||
| Feb 3, 2025 | Keefe, Bruyette & Woods | Upgrade | Market Perform | Outperform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.93 | $1.04 | +11.8% | $63.5M | $64.3M | +1.2% | +4.91% |
| Apr 23, 2026Q1 FY26 | $0.92 | $1.04 | +13.0% | $62.8M | $62.7M | −0.2% | −1.29% |
| Jan 29, 2026Q4 FY25 | $0.95 | $0.96 | +1.1% | $63.0M | $64.1M | +1.8% | +0.03% |
| Oct 23, 2025Q3 FY25 | $0.94 | $0.99 | +5.3% | $63.0M | $63.6M | +0.9% | +9.33% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $91.0M | $93.2M | $96.3M | $96.6M | $92.2M | $30.6M | |
| Gross profit | $54.2M | $56.6M | $60.7M | $60.7M | $62.7M | −$1.3M | |
| Operating income | $20.6M | $21.5M | $25.2M | $24.0M | $24.8M | −$24.8M | |
| Net income | $16.9M | $17.5M | $20.5M | $20.0M | $21.0M | $21.2M | |
| Diluted EPS | $0.81 | $0.85 | $0.99 | $0.96 | $1.04 | $1.05 | |
| Gross margin | 59.5% | 60.8% | 63.1% | 62.9% | 67.9% | -4.1% | |
| Operating margin | 22.7% | 23.1% | 26.2% | 24.9% | 26.9% | -81.3% |
Fiscal years (4-quarter sums)FY21 $212.0M · FY22 $241.1M · FY23 $332.6M · FY24 $264.2M · FY25 $377.0M
Balance sheet, Jun 30, 2026Cash & short-term investments $59.6M · Total debt $291.0M · Total assets $6.34B · Shareholders' equity $643.4M
Dividends
Raised for 16 straight years — most recently to $0.32 from $0.31 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 12, 2026 | Jun 12 | Jul 2 | $0.32 | |
| Mar 13, 2026 | Mar 13 | Apr 2 | $0.32 | raised from $0.31 |
| Dec 15, 2025 | Dec 15 | Jan 2 | $0.31 | |
| Sep 15, 2025 | Sep 15 | Oct 2 | $0.31 | |
| Jun 13, 2025 | Jun 13 | Jul 2 | $0.31 | |
| Mar 14, 2025 | Mar 14 | Apr 2 | $0.31 | raised from $0.30 |
| Dec 13, 2024 | Dec 13 | Jan 2 | $0.30 | |
| Sep 13, 2024 | Sep 13 | Oct 2 | $0.30 |
Ownership
Shares outstanding 19.69M · Float 17.33M · 88.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| PL Capital Advisors, LLC | 1.82M | 9.23% | 13F | Jul 31, 2026 |
| Lashley Richard J | 1.79M | 8.90% | 13D | Oct 2, 2025 |
| BlackRock, Inc. | 1.67M | 8.47% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.00M | 5.10% | 13G | Jul 14, 2026 |
| Vanguard Capital Management LLC | 841.2K | 4.27% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 12, 2026 | William Jack II Plants | officer: Chief Financial Officer | +660 | $30.12 |
Peers
- M&T Bank
Broad Buffalo banking franchise and regional commercial platform
- KeyCorp
Dense Buffalo retail network plus business and private banking
- Community Financial System
Upstate relationship bank with banking and wealth-management lines
- Tompkins Financial
New York relationship bank with Buffalo branch and wealth services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Financial Institutions | $40.96 | 0.00% | $806.4M | 10.1 | 9.8 | 2.6 | +8.2% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| Tompkins Financial | $97.80 | −0.07% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| Median | 12.6 | 12.1 | 2.8 | +6.5% |