FISI Financial Institutions Inc

Price (delayed)

$29.88

Market cap

$472.97M

P/E Ratio

8.46

Dividend/share

$1.06

EPS

$3.53

Enterprise value

$201.86M

Highlights
The EPS has soared by 53% since the previous quarter and by 52% year-on-year
FISI's net income has surged by 51% since the previous quarter and by 51% year-on-year

Key stats

What are the main financial stats of FISI
Market
Shares outstanding
15.83M
Market cap
$472.97M
Enterprise value
$201.86M
Valuations
Price to earnings (P/E)
8.46
Price to book (P/B)
1.01
Price to sales (P/S)
2.65
EV/EBIT
2.87
EV/EBITDA
2.45
EV/Sales
1.13
Earnings
Revenue
$178.6M
EBIT
$70.33M
EBITDA
$82.32M
Free cash flow
$56.08M
Per share
EPS
$3.53
Free cash flow per share
$3.55
Book value per share
$29.48
Revenue per share
$11.29
TBVPS
$332.22
Balance sheet
Total assets
$5.33B
Total liabilities
$4.86B
Debt
$73.68M
Equity
$466.28M
Working capital
N/A
Liquidity
Debt to equity
0.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.29
Margins
EBITDA margin
46.1%
Gross margin
100%
Net margin
32.4%
Operating margin
39.4%
Efficiency
Return on assets
1.1%
Return on equity
12.3%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
39.4%
Dividend
Dividend yield
3.55%
DPS
$1.06
Payout ratio
30%

FISI stock price

How has the Financial Institutions stock price performed over time
Intraday
-4.78%
1 week
-4.35%
1 month
-7.46%
1 year
71.13%
YTD
32.8%
QTD
-1.35%

Financial performance

How have Financial Institutions's revenue and profit performed over time
Revenue
$178.6M
Gross profit
$178.6M
Operating income
$70.33M
Net income
$57.92M
Gross margin
100%
Net margin
32.4%
The operating income has soared by 54% from the previous quarter and by 52% YoY
FISI's net income has surged by 51% since the previous quarter and by 51% year-on-year
The operating margin is up by 34% from the previous quarter and by 29% YoY
Financial Institutions's net margin has increased by 31% from the previous quarter and by 28% YoY

Growth

What is Financial Institutions's growth rate over time

Valuation

What is Financial Institutions stock price valuation
P/E
8.46
P/B
1.01
P/S
2.65
EV/EBIT
2.87
EV/EBITDA
2.45
EV/Sales
1.13
The EPS has soared by 53% since the previous quarter and by 52% year-on-year
The P/E is 29% below the 5-year quarterly average of 11.9
FISI's P/B is 26% higher than its last 4 quarters average of 0.8 but 8% lower than its 5-year quarterly average of 1.1
The equity has grown by 6% YoY
The stock's P/S is 26% above its last 4 quarters average of 2.1 but 12% below its 5-year quarterly average of 3.0
FISI's revenue is up by 18% YoY and by 15% QoQ

Efficiency

How efficient is Financial Institutions business performance
Financial Institutions's return on equity has surged by 52% QoQ and by 45% YoY
FISI's ROIC has soared by 50% from the previous quarter and by 50% YoY
The ROA has increased by 38% QoQ and by 38% YoY
The ROS is up by 34% since the previous quarter and by 29% year-on-year

Dividends

What is FISI's dividend history
DPS
$1.06
Dividend yield
3.55%
Payout ratio
30%
Recent dividends

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 up by 21% YoY and by 9% from the previous quarter
FISI's total assets is up by 19% year-on-year and by 8% since the previous quarter
Financial Institutions's debt is 84% less than its equity
FISI's debt to equity has dropped by 53% year-on-year and by 6% since the previous quarter
Financial Institutions's debt has plunged by 50% YoY and by 7% from the previous quarter

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