32.03 USD
-0.6 (-1.84%)
32.03 USD
0 (0%)
Overall FISI gets a fundamental rating of 3 out of 10. We evaluated FISI against 385 industry peers in the Banks industry. FISI may be in some trouble as it scores bad on both profitability and health. FISI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
FISI had positive earnings in the past year.
FISI had a positive operating cash flow in the past year.
FISI had positive earnings in 4 of the past 5 years.
FISI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FISI has a Return On Assets of -0.46%. This is amonst the worse of the industry: FISI underperforms 93.77% of its industry peers.
FISI has a worse Return On Equity (-4.70%) than 93.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -4.7% | ||
| ROIC | N/A |
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for FISI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.
FISI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FISI has more shares outstanding
Compared to 1 year ago, FISI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FISI is 3.14, which is a good value as it means it would take FISI, 3.14 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.14, FISI is doing worse than 63.12% of the companies in the same industry.
FISI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
FISI has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: FISI outperforms 43.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FISI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.42%, which is quite impressive.
Measured over the past years, FISI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.41% on average per year.
The Revenue for FISI has decreased by -40.69% in the past year. This is quite bad
Measured over the past years, FISI shows a decrease in Revenue. The Revenue has been decreasing by -7.25% on average per year.
EPS 1Y (TTM)38.42%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%17.86%
Revenue 1Y (TTM)-40.69%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%27.31%
3.2 Future
Based on estimates for the next years, FISI will show a decrease in Earnings Per Share. The EPS will decrease by -3.01% on average per year.
FISI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.24% yearly.
EPS Next Y-21.61%
EPS Next 2Y-7.1%
EPS Next 3Y-3.01%
EPS Next 5YN/A
Revenue Next Year48.14%
Revenue Next 2Y25.77%
Revenue Next 3Y18.24%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
FISI is valuated cheaply with a Price/Earnings ratio of 6.79.
FISI's Price/Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 95.84% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.38. FISI is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.00, the valuation of FISI can be described as very cheap.
Based on the Price/Forward Earnings ratio, FISI is valued cheaper than 89.35% of the companies in the same industry.
FISI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.79 | ||
| Fwd PE | 8 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FISI is valued a bit more expensive than 79.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FISI's earnings are expected to decrease with -3.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.72
EPS Next 2Y-7.1%
EPS Next 3Y-3.01%
5. Dividend
5.1 Amount
FISI has a Yearly Dividend Yield of 3.80%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.70, FISI pays a better dividend. On top of this FISI pays more dividend than 80.26% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, FISI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
5.2 History
The dividend of FISI has a limited annual growth rate of 0.75%.
FISI has paid a dividend for at least 10 years, which is a reliable track record.
FISI has decreased its dividend recently.
Dividend Growth(5Y)0.75%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
The earnings of FISI are negative and hence is the payout ratio. FISI will probably not be able to sustain this dividend level.
DP-84.04%
EPS Next 2Y-7.1%
EPS Next 3Y-3.01%
32.03
-0.6 (-1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.74%
Inst Owner Change0.79%
Ins Owners2.39%
Ins Owner Change0.27%
Market Cap644.76M
Revenue(TTM)131.42M
Net Income(TTM)-29.21M
Analysts82.86
Price Target35.7 (11.46%)
Short Float %2.63%
Short Ratio4.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-84.04%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.66%
Min EPS beat(2)0.77%
Max EPS beat(2)10.55%
EPS beat(4)4
Avg EPS beat(4)49.73%
Min EPS beat(4)0.77%
Max EPS beat(4)179.48%
EPS beat(8)6
Avg EPS beat(8)14.99%
EPS beat(12)8
Avg EPS beat(12)10.53%
EPS beat(16)11
Avg EPS beat(16)9.57%
Revenue beat(2)1
Avg Revenue beat(2)-9.22%
Min Revenue beat(2)-19.54%
Max Revenue beat(2)1.1%
Revenue beat(4)1
Avg Revenue beat(4)-6.49%
Min Revenue beat(4)-19.54%
Max Revenue beat(4)1.1%
Revenue beat(8)1
Avg Revenue beat(8)-5.67%
Revenue beat(12)2
Avg Revenue beat(12)-2.59%
Revenue beat(16)6
Avg Revenue beat(16)5.5%
PT rev (1m)0%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.21%
EPS NY rev (1m)0%
EPS NY rev (3m)2.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)22.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)23.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.79 | ||
| Fwd PE | 8 | ||
| P/S | 4.91 | ||
| P/FCF | 31.16 | ||
| P/OCF | 26.29 | ||
| P/B | 1.04 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.72
EY14.74%
EPS(NY)4
Fwd EY12.5%
FCF(TTM)1.03
FCFY3.21%
OCF(TTM)1.22
OCFY3.8%
SpS6.53
BVpS30.89
TBVpS27.88
PEG (NY)N/A
PEG (5Y)0.72
Graham Number57.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.46% | ||
| ROE | -4.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 15.75% |
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 50.05% | ||
| Cap/Sales | 2.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC19.88%
ROIC/WACCN/A
Cap/Depr(3y)68.5%
Cap/Depr(5y)75.48%
Cap/Sales(3y)3.19%
Cap/Sales(5y)3.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.42%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%17.86%
EPS Next Y-21.61%
EPS Next 2Y-7.1%
EPS Next 3Y-3.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-40.69%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%27.31%
Revenue Next Year48.14%
Revenue Next 2Y25.77%
Revenue Next 3Y18.24%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-70.56%
FCF growth 3Y4.3%
FCF growth 5Y5.93%
OCF growth 1Y-67.21%
OCF growth 3Y1.85%
OCF growth 5Y5.98%
FINANCIAL INSTITUTIONS INC / FISI FAQ
Can you provide the ChartMill fundamental rating for FINANCIAL INSTITUTIONS INC?
ChartMill assigns a fundamental rating of 3 / 10 to FISI.
What is the valuation status of FINANCIAL INSTITUTIONS INC (FISI) stock?
ChartMill assigns a valuation rating of 5 / 10 to FINANCIAL INSTITUTIONS INC (FISI). This can be considered as Fairly Valued.
What is the profitability of FISI stock?
FINANCIAL INSTITUTIONS INC (FISI) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for FISI stock?
The Earnings per Share (EPS) of FINANCIAL INSTITUTIONS INC (FISI) is expected to decline by -21.61% in the next year.
Is the dividend of FINANCIAL INSTITUTIONS INC sustainable?
The dividend rating of FINANCIAL INSTITUTIONS INC (FISI) is 5 / 10 and the dividend payout ratio is -84.04%.