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Price (delayed)
$27.9
Market cap
$431.73M
P/E Ratio
8.69
Dividend/share
$1.2
EPS
$3.21
Enterprise value
$361.93M
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
Financial Institutions's debt has decreased by 45% from the previous quarter and by 8% YoY
The equity has grown by 22% YoY and by 7% from the previous quarter
The P/E is 24% above the last 4 quarters average of 7.0 and 22% above the 5-year quarterly average of 7.1
FISI's net income is down by 3.1% year-on-year
Key stats
What are the main financial stats of FISI
Market
Valuations
Earnings
Shares outstanding
15.47M
Market cap
$431.73M
Enterprise value
$361.93M
Price to book (P/B)
0.86
Price to sales (P/S)
1.99
EV/EBIT
5.83
EV/EBITDA
5.19
EV/Sales
1.67
Revenue
$216.61M
EBIT
$62.06M
EBITDA
$69.79M
Free cash flow
-$3.38M
Per share
Balance sheet
Liquidity
EPS
$3.21
Free cash flow per share
-$0.22
Book value per share
$32.34
Revenue per share
$14
TBVPS
$393.96
Total assets
$6.16B
Total liabilities
$5.66B
Debt
$179.77M
Equity
$500.34M
Working capital
N/A
Debt to equity
0.36
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1
Margins
Efficiency
Dividend
EBITDA margin
32.2%
Gross margin
100%
Net margin
23.5%
Operating margin
28.6%
Return on assets
0.8%
Return on equity
10.6%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
28.6%
Dividend yield
4.3%
DPS
$1.2
Payout ratio
37.4%
FISI stock price
How has the Financial Institutions stock price performed over time
Intraday
1.6%
1 week
3.99%
1 month
10.1%
1 year
55.78%
YTD
30.99%
QTD
9.54%
Financial performance
How have Financial Institutions's revenue and profit performed over time
Revenue
$216.61M
Gross profit
$216.61M
Operating income
$62.06M
Net income
$50.95M
Gross margin
100%
Net margin
23.5%
Financial Institutions's net margin has decreased by 11% YoY
FISI's gross profit is up by 9% year-on-year
FISI's revenue is up by 9% YoY
The operating margin is down by 9% YoY
Growth
What is Financial Institutions's growth rate over time
Valuation
What is Financial Institutions stock price valuation
P/E
8.69
P/B
0.86
P/S
1.99
EV/EBIT
5.83
EV/EBITDA
5.19
EV/Sales
1.67
The P/E is 24% above the last 4 quarters average of 7.0 and 22% above the 5-year quarterly average of 7.1
The EPS has declined by 3.3% year-on-year
FISI's P/B is 23% higher than its last 4 quarters average of 0.7 and 8% higher than its 5-year quarterly average of 0.8
The equity has grown by 22% YoY and by 7% from the previous quarter
The stock's P/S is 24% above its last 4 quarters average of 1.6
FISI's revenue is up by 9% YoY
Efficiency
How efficient is Financial Institutions business performance
Financial Institutions's return on equity has decreased by 14% YoY and by 6% QoQ
The ROA has decreased by 11% YoY
The ROS has declined by 9% year-on-year
Dividends
What is FISI's dividend history
DPS
$1.2
Dividend yield
4.3%
Payout ratio
37.4%
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 9% greater than its total liabilities
Financial Institutions's debt is 64% less than its equity
FISI's debt to equity is down by 49% since the previous quarter and by 25% year-on-year
Financial Institutions's debt has decreased by 45% from the previous quarter and by 8% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.