FISI Financial Institutions Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: FISI

Price (delayed)

$17.82

Market cap

$274.58M

P/E Ratio

5.62

Dividend/share

$1.2

EPS

$3.17

Enterprise value

$459.67M

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 P/E is 26% below the 5-year quarterly average of 7.6
The equity has grown by 12% YoY and by 11% from the previous quarter
Financial Institutions's debt has soared by 59% from the previous quarter and by 11% YoY
FISI's net income is down by 11% year-on-year and by 4.4% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.fiiwarsaw.com
Peers: AROW FLIC NBTB CBU

Key stats

What are the main financial stats of FISI
Market
Shares outstanding
15.41M
Market cap
$274.58M
Enterprise value
$459.67M
Valuations
Price to earnings (P/E)
5.62
Price to book (P/B)
0.6
Price to sales (P/S)
1.37
EV/EBIT
7.29
EV/EBITDA
6.46
EV/Sales
2.3
Earnings
Revenue
$200.28M
EBIT
$63.05M
EBITDA
$71.14M
Free cash flow
$7.9M
Per share
EPS
$3.17
Free cash flow per share
$0.51
Book value per share
$29.53
Revenue per share
$13.03
TBVPS
$395.97
Balance sheet
Total assets
$6.16B
Total liabilities
$5.71B
Debt
$309.53M
Equity
$454.8M
Working capital
N/A
Liquidity
Debt to equity
0.68
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.6
Margins
EBITDA margin
35.5%
Gross margin
100%
Net margin
25.1%
Operating margin
31.5%
Efficiency
Return on assets
0.8%
Return on equity
11.4%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
31.5%
Dividend
Dividend yield
6.73%
DPS
$1.2
Payout ratio
37.9%

FISI stock price

How has the Financial Institutions stock price performed over time
Intraday
0.62%
1 week
9.06%
1 month
-3.15%
1 year
-0.5%
YTD
-16.34%
QTD
-5.31%

Financial performance

How have Financial Institutions's revenue and profit performed over time
Revenue
$200.28M
Gross profit
$200.28M
Operating income
$63.05M
Net income
$50.26M
Gross margin
100%
Net margin
25.1%
The operating margin is down by 11% YoY
FISI's net income is down by 11% year-on-year and by 4.4% since the previous quarter
Financial Institutions's net margin has decreased by 11% YoY and by 5% from the previous quarter
The operating income has contracted by 11% YoY

Growth

What is Financial Institutions's growth rate over time

Valuation

What is Financial Institutions stock price valuation
P/E
5.62
P/B
0.6
P/S
1.37
EV/EBIT
7.29
EV/EBITDA
6.46
EV/Sales
2.3
The P/E is 26% below the 5-year quarterly average of 7.6
The EPS has declined by 11% year-on-year and by 4.5% since the previous quarter
FISI's P/B is 33% lower than its 5-year quarterly average of 0.9 and 14% lower than its last 4 quarters average of 0.7
The equity has grown by 12% YoY and by 11% from the previous quarter
The stock's P/S is 35% below its 5-year quarterly average of 2.1 and 2.9% below its last 4 quarters average of 1.4

Efficiency

How efficient is Financial Institutions business performance
FISI's ROIC is down by 23% YoY
The ROA has decreased by 20% YoY and by 11% QoQ
Financial Institutions's return on equity has decreased by 14% YoY and by 7% QoQ
The ROS has declined by 11% year-on-year

Dividends

What is FISI's dividend history
Dividend details
DPS
$1.2
Dividend yield
6.73%
Payout ratio
37.9%
Recent dividends

Financial health

How did Financial Institutions financials performed over time
FISI's total assets is 8% greater than its total liabilities
FISI's total assets is up by 6% year-on-year
The total liabilities is up by 6% YoY
Financial Institutions's debt is 32% less than its equity
Financial Institutions's debt has soared by 59% from the previous quarter and by 11% YoY
FISI's debt to equity is up by 42% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.