FISI Financial Institutions Inc
Price (delayed)
$28.66
Market cap
$443.49M
P/E Ratio
8.93
Dividend/share
$1.2
EPS
$3.21
Enterprise value
$373.69M
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 29% above the 5-year quarterly average of 6.9 and 28% above the last 4 quarters average of 7.0
The EPS has declined by 3.3% year-on-year
Key stats
What are the main financial stats of FISI
Market
Valuations
Earnings
Shares outstanding
15.47M
Market cap
$443.49M
Enterprise value
$373.69M
Price to earnings (P/E)
8.93
Price to book (P/B)
0.89
Price to sales (P/S)
2.05
EV/EBIT
6.02
EV/EBITDA
5.35
EV/Sales
1.73
Revenue
$216.61M
Gross profit
$216.61M
Operating income
$62.06M
Net income
$50.95M
EBIT
$62.06M
EBITDA
$69.79M
Free cash flow
-$3.38M
Per share
Balance sheet
Liquidity
EPS
$3.21
EPS diluted
$3.17
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
4.19%
DPS
$1.2
Payout ratio
37.4%
FISI stock price
How has the Financial Institutions stock price performed over time
Intraday
-1.71%
1 week
-0.8%
1 month
4.87%
1 year
53.26%
YTD
5.02%
QTD
5.02%
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
8.93
P/B
0.89
P/S
2.05
EV/EBIT
6.02
EV/EBITDA
5.35
EV/Sales
1.73
The P/E is 29% above the 5-year quarterly average of 6.9 and 28% above the last 4 quarters average of 7.0
The EPS has declined by 3.3% year-on-year
FISI's P/B is 27% higher than its last 4 quarters average of 0.7 and 11% 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 28% above its last 4 quarters average of 1.6 and 8% above its 5-year quarterly average of 1.9
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
4.19%
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.