Price (delayed)
$25.96
Market cap
$401.66M
P/E Ratio
7.99
Dividend/share
$1.2
EPS
$3.25
Enterprise value
$582M
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 EPS is up by 29% since the previous quarter
FISI's net income is up by 28% since the previous quarter
Financial Institutions's debt has decreased by 34% YoY but it has increased by 27% from the previous quarter
The P/E is 27% above the last 4 quarters average of 6.3 and 10% above the 5-year quarterly average of 7.3
Key stats
What are the main financial stats of FISI
Market
Valuations
Earnings
Shares outstanding
15.47M
Market cap
$401.66M
Enterprise value
$582M
Price to book (P/B)
0.86
Price to sales (P/S)
1.82
EV/EBIT
9.1
EV/EBITDA
8.1
EV/Sales
2.64
Revenue
$220.79M
EBIT
$63.97M
EBITDA
$71.87M
Free cash flow
$40.16M
Per share
Balance sheet
Liquidity
EPS
$3.25
Free cash flow per share
$2.6
Book value per share
$30.28
Revenue per share
$14.29
TBVPS
$393.01
Total assets
$6.13B
Total liabilities
$5.66B
Debt
$326.69M
Equity
$467.67M
Working capital
N/A
Debt to equity
0.7
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.51
Margins
Efficiency
Dividend
EBITDA margin
32.5%
Gross margin
100%
Net margin
23.3%
Operating margin
29%
Return on assets
0.8%
Return on equity
11.3%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29%
Dividend yield
4.62%
DPS
$1.2
Payout ratio
36.9%
FISI stock price
How has the Financial Institutions stock price performed over time
Intraday
-0.46%
1 week
5.66%
1 month
5.36%
1 year
52.98%
YTD
21.88%
QTD
34.37%
Financial performance
How have Financial Institutions's revenue and profit performed over time
Revenue
$220.79M
Gross profit
$220.79M
Operating income
$63.97M
Net income
$51.5M
Gross margin
100%
Net margin
23.3%
FISI's net income is up by 28% since the previous quarter
The operating income has grown by 26% from the previous quarter
Financial Institutions's net margin has increased by 21% from the previous quarter but it has decreased by 12% YoY
The operating margin is up by 19% from the previous quarter but it is down by 11% YoY
Growth
What is Financial Institutions's growth rate over time
Valuation
What is Financial Institutions stock price valuation
P/E
7.99
P/B
0.86
P/S
1.82
EV/EBIT
9.1
EV/EBITDA
8.1
EV/Sales
2.64
The EPS is up by 29% since the previous quarter
The P/E is 27% above the last 4 quarters average of 6.3 and 10% above the 5-year quarterly average of 7.3
FISI's P/B is 23% higher than its last 4 quarters average of 0.7 and 8% higher than its 5-year quarterly average of 0.8
The equity has grown by 10% YoY and by 4.9% from the previous quarter
The stock's P/S is 30% above its last 4 quarters average of 1.4 but 9% below its 5-year quarterly average of 2.0
FISI's revenue is up by 11% YoY and by 6% QoQ
Efficiency
How efficient is Financial Institutions business performance
The ROA has increased by 33% QoQ but it has decreased by 11% YoY
Financial Institutions's return on equity has increased by 27% QoQ but it has decreased by 9% YoY
FISI's ROIC is up by 25% from the previous quarter but it is down by 9% YoY
The ROS is up by 19% since the previous quarter but it has declined by 11% year-on-year
Dividends
What is FISI's dividend history
DPS
$1.2
Dividend yield
4.62%
Payout ratio
36.9%
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 8% greater than its total liabilities
FISI's total assets is down by 2.6% since the previous quarter
The total liabilities is down by 3.2% from the previous quarter
Financial Institutions's debt is 30% less than its equity
FISI's debt to equity is down by 40% year-on-year but it is up by 21% since the previous quarter
Financial Institutions's debt has decreased by 34% YoY but it has increased by 27% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.