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FISI Financial Institutions Inc
- Stocks
- Financial Services
- NASDAQ: FISI
Price (delayed)
$24.6
Market cap
$494.7M
P/E Ratio
N/A
Dividend/share
$1.22
EPS
-$2.04
Enterprise value
$507.26M
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 32% YoY and by 3.7% from the previous quarter
Financial Institutions's debt has decreased by 30% YoY and by 20% from the previous quarter
The EPS has dropped by 181% year-on-year but it is up by 26% since the previous quarter
FISI's net income has dropped by 167% year-on-year but it is up by 36% since the previous quarter
FISI's revenue is down by 48% YoY
FISI's gross profit is down by 48% year-on-year
Key stats
What are the main financial stats of FISI
Market
Valuations
Earnings
Shares outstanding
20.11M
Market cap
$494.7M
Enterprise value
$507.26M
Price to earnings (P/E)
N/A
Price to book (P/B)
0.84
Price to sales (P/S)
4.55
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
4.67
Revenue
$108.63M
Gross profit
$108.63M
Operating income
-$49.95M
Net income
-$26.84M
EBIT
-$49.95M
EBITDA
-$42.39M
Free cash flow
$70.23M
Per share
Balance sheet
Liquidity
EPS
-$2.04
EPS diluted
-$2.05
Free cash flow per share
$3.5
Book value per share
$29.38
Revenue per share
$5.41
TBVPS
$312.77
Total assets
$6.34B
Total liabilities
$5.75B
Debt
$179.92M
Equity
$589.93M
Working capital
N/A
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.3
Margins
Efficiency
Dividend
EBITDA margin
-39%
Gross margin
100%
Net margin
-24.7%
Operating margin
-46%
Return on assets
-0.5%
Return on equity
-5.3%
Return on invested capital
-0.8%
Return on capital employed
N/A
Return on sales
-46%
Dividend yield
4.96%
DPS
$1.22
Payout ratio
N/A
FISI stock price
How has the Financial Institutions stock price performed over time
Intraday
0.2%
1 week
-1.48%
1 month
-8.24%
1 year
40.89%
YTD
-9.86%
QTD
-1.44%
Financial performance
How have Financial Institutions's revenue and profit performed over time
Revenue
$108.63M
Gross profit
$108.63M
Operating income
-$49.95M
Net income
-$26.84M
Gross margin
100%
Net margin
-24.7%
The operating income has plunged by 199% YoY but it has grown by 27% from the previous quarter
FISI's net income has dropped by 167% year-on-year but it is up by 36% since the previous quarter
FISI's revenue is down by 48% YoY
FISI's gross profit is down by 48% year-on-year
Price vs fundamentals
How does FISI's price correlate with its fundamentals
Growth
What is Financial Institutions's growth rate over time
Valuation
What is Financial Institutions stock price valuation
P/E
N/A
P/B
0.84
P/S
4.55
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
4.67
The EPS has dropped by 181% year-on-year but it is up by 26% since the previous quarter
The equity has grown by 32% YoY and by 3.7% from the previous quarter
FISI's P/B is 5% higher than its 5-year quarterly average of 0.8 and 5% higher than its last 4 quarters average of 0.8
The stock's P/S is 117% above its 5-year quarterly average of 2.1 and 57% above its last 4 quarters average of 2.9
FISI's revenue is down by 48% YoY
Efficiency
How efficient is Financial Institutions business performance
FISI's ROIC has plunged by 200% YoY but it is up by 27% from the previous quarter
The ROA has shrunk by 183% YoY but it has increased by 29% QoQ
Financial Institutions's return on equity has shrunk by 160% YoY but it has increased by 39% QoQ
The ROS is up by 25% since the previous quarter
Dividends
What is FISI's dividend history
DPS
$1.22
Dividend yield
4.96%
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
FISI's total assets is up by 3.7% since the previous quarter
The total liabilities is up by 3.6% from the previous quarter
Financial Institutions's debt is 70% less than its equity
FISI's debt to equity is down by 48% year-on-year and by 23% since the previous quarter
The equity has grown by 32% YoY and by 3.7% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.