FISI Financial Institutions Inc
Price (delayed)
$23.05
Market cap
$462.8M
P/E Ratio
N/A
Dividend/share
$1.21
EPS
-$2.75
Enterprise value
$599.32M
Financial Institutions, Inc. provides diversified financial services through its subsidiaries Five Star Bank, SDN, Courier Capital and HNP Capital. Five Star Bank provides a wide range of consumer and commercial
Highlights
The equity has grown by 25% YoY and by 14% from the previous quarter
Financial Institutions's debt has decreased by 28% YoY but it has increased by 25% from the previous quarter
The EPS has dropped by 187% year-on-year and by 186% since the previous quarter
FISI's net income has dropped by 183% year-on-year and by 182% since the previous quarter
Key stats
What are the main financial stats of FISI
Market
Valuations
Earnings
Shares outstanding
20.08M
Market cap
$462.8M
Enterprise value
$599.32M
Price to earnings (P/E)
N/A
Price to book (P/B)
0.63
Price to sales (P/S)
3.26
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
5.41
Revenue
$110.76M
Gross profit
$110.76M
Operating income
-$68.15M
Net income
-$41.65M
EBIT
-$68.15M
EBITDA
-$60.47M
Free cash flow
$72.15M
Per share
Balance sheet
Liquidity
EPS
-$2.75
EPS diluted
-$2.75
Free cash flow per share
$4.6
Book value per share
$36.77
Revenue per share
$7.06
TBVPS
$386.17
Total assets
$6.12B
Total liabilities
$5.55B
Debt
$223.84M
Equity
$568.98M
Working capital
N/A
Debt to equity
0.39
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.26
Margins
Efficiency
Dividend
EBITDA margin
-54.6%
Gross margin
100%
Net margin
-37.6%
Operating margin
-61.5%
Return on assets
-0.7%
Return on equity
-8.7%
Return on invested capital
-1.1%
Return on capital employed
N/A
Return on sales
-61.5%
Dividend yield
5.25%
DPS
$1.21
Payout ratio
N/A
FISI stock price
How has the Financial Institutions stock price performed over time
Intraday
3.41%
1 week
2.58%
1 month
-9.14%
1 year
32.85%
YTD
-15.54%
QTD
-7.65%
Financial performance
How have Financial Institutions's revenue and profit performed over time
Revenue
$110.76M
Gross profit
$110.76M
Operating income
-$68.15M
Net income
-$41.65M
Gross margin
100%
Net margin
-37.6%
FISI's net income has dropped by 183% year-on-year and by 182% since the previous quarter
FISI's revenue is down by 49% QoQ and by 45% YoY
FISI's gross profit is down by 49% since the previous quarter and by 45% year-on-year
Growth
What is Financial Institutions's growth rate over time
Valuation
What is Financial Institutions stock price valuation
P/E
N/A
P/B
0.63
P/S
3.26
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
5.41
The EPS has dropped by 187% year-on-year and by 186% since the previous quarter
The equity has grown by 25% YoY and by 14% from the previous quarter
FISI's P/B is 24% lower than its 5-year quarterly average of 0.8 and 13% lower than its last 4 quarters average of 0.7
The stock's P/S is 58% above its 5-year quarterly average of 2.0 and 50% above its last 4 quarters average of 2.1
FISI's revenue is down by 49% QoQ and by 45% YoY
Efficiency
How efficient is Financial Institutions business performance
The ROA has shrunk by 188% QoQ and by 188% YoY
Financial Institutions's return on equity has shrunk by 182% QoQ and by 176% YoY
Dividends
What is FISI's dividend history
DPS
$1.21
Dividend yield
5.25%
Payout ratio
N/A
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Financial Institutions financials performed over time
FISI's total assets is 10% greater than its total liabilities
The total liabilities is down by 2.8% YoY
Financial Institutions's debt is 61% less than its equity
FISI's debt to equity is down by 43% year-on-year but it is up by 8% since the previous quarter
Financial Institutions's debt has decreased by 28% YoY but it has increased by 25% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.