FISI Financial Institutions Inc

Price (delayed)

$24.14

Market cap

$370.16M

P/E Ratio

5.73

Dividend/share

$1.14

EPS

$4.21

Enterprise value

$443.53M

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 42% below the 5-year quarterly average of 9.9 and 13% below the last 4 quarters average of 6.6
FISI's revenue is up by 8% YoY
The EPS has declined by 6% since the previous quarter but it is up by 2.4% year-on-year
Financial Institutions's debt has soared by 148% YoY and by 147% from the previous quarter
The equity has contracted by 13% YoY and by 4.7% from the previous quarter

Key stats

What are the main financial stats of FISI
Market
Shares outstanding
15.33M
Market cap
$370.16M
Enterprise value
$443.53M
Valuations
Price to earnings (P/E)
5.73
Price to book (P/B)
0.87
Price to sales (P/S)
1.8
EV/EBIT
5.31
EV/EBITDA
4.54
EV/Sales
2.16
Earnings
Revenue
$205.59M
EBIT
$83.5M
EBITDA
$97.61M
Free cash flow
$116.68M
Per share
EPS
$4.21
Free cash flow per share
$7.63
Book value per share
$27.83
Revenue per share
$13.44
TBVPS
$359.13
Balance sheet
Total assets
$5.57B
Total liabilities
$5.14B
Debt
$183.07M
Equity
$425.8M
Working capital
N/A
Liquidity
Debt to equity
0.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.75
Margins
EBITDA margin
47.5%
Gross margin
100%
Net margin
32.8%
Operating margin
40.6%
Efficiency
Return on assets
1.2%
Return on equity
14.1%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
40.6%
Dividend
Dividend yield
4.72%
DPS
$1.14
Payout ratio
27.1%

FISI stock price

How has the Financial Institutions stock price performed over time
Intraday
-0.82%
1 week
-3.32%
1 month
-7.9%
1 year
-22.73%
YTD
-24.09%
QTD
-7.23%

Financial performance

How have Financial Institutions's revenue and profit performed over time
Revenue
$205.59M
Gross profit
$205.59M
Operating income
$83.5M
Net income
$67.42M
Gross margin
100%
Net margin
32.8%
FISI's revenue is up by 8% YoY
FISI's gross profit is up by 8% year-on-year
The operating margin is down by 7% from the previous quarter and by 6% YoY
The operating income has contracted by 7% from the previous quarter

Growth

What is Financial Institutions's growth rate over time

Valuation

What is Financial Institutions stock price valuation
P/E
5.73
P/B
0.87
P/S
1.8
EV/EBIT
5.31
EV/EBITDA
4.54
EV/Sales
2.16
The P/E is 42% below the 5-year quarterly average of 9.9 and 13% below the last 4 quarters average of 6.6
The EPS has declined by 6% since the previous quarter but it is up by 2.4% year-on-year
The equity has contracted by 13% YoY and by 4.7% from the previous quarter
FISI's P/B is 13% lower than its 5-year quarterly average of 1.0 and 13% lower than its last 4 quarters average of 1.0
The stock's P/S is 33% below its 5-year quarterly average of 2.7 and 22% below its last 4 quarters average of 2.3
FISI's revenue is up by 8% YoY

Efficiency

How efficient is Financial Institutions business performance
FISI's ROIC is down by 12% from the previous quarter and by 12% YoY
The ROA has decreased by 8% QoQ and by 8% YoY
The ROS has declined by 7% since the previous quarter and by 6% year-on-year
Financial Institutions's return on equity has decreased by 3.4% QoQ

Dividends

What is FISI's dividend history
DPS
$1.14
Dividend yield
4.72%
Payout ratio
27.1%
Recent dividends

Financial health

How did Financial Institutions financials performed over time
FISI's total assets is 8% greater than its total liabilities
The total liabilities is up by 7% YoY
FISI's total assets is up by 5% year-on-year
Financial Institutions's debt is 57% less than its equity
FISI's debt to equity has surged by 187% year-on-year and by 153% since the previous quarter
Financial Institutions's debt has soared by 148% YoY and by 147% from the previous quarter

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