FINANCIAL INSTITUTIONS INC (FISI)
US3175854047 - Common Stock
Overall FISI gets a fundamental rating of 3 out of 10. We evaluated FISI against 412 industry peers in the Banks industry. FISI may be in some trouble as it scores bad on both profitability and health. FISI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year FISI was profitable.
In the past year FISI had a positive cash flow from operations.
Each year in the past 5 years FISI has been profitable.
Each year in the past 5 years FISI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FISI (0.79%) is comparable to the rest of the industry.
With a decent Return On Equity value of 10.73%, FISI is doing good in the industry, outperforming 65.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 10.73% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)0.99%
ROE(3y)13.13%
ROE(5y)11.62%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FISI (22.81%) is comparable to the rest of the industry.
FISI's Profit Margin has been stable in the last couple of years.
FISI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.04%
PM growth 5Y-0.93%
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 less shares outstanding
FISI has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FISI is 15.76, which is on the high side as it means it would take FISI, 15.76 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 15.76, FISI is doing worse than 82.52% of the companies in the same industry.
FISI has a Debt/Equity ratio of 0.68. This is a neutral value indicating FISI is somewhat dependend on debt financing.
The Debt to Equity ratio of FISI (0.68) is worse than 77.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 15.76 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FISI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.78%.
Measured over the past 5 years, FISI shows a small growth in Earnings Per Share. The EPS has been growing by 5.69% on average per year.
FISI shows a small growth in Revenue. In the last year, the Revenue has grown by 0.15%.
The Revenue has been growing slightly by 6.06% on average over the past years.
EPS 1Y (TTM)-4.78%
EPS 3Y13.8%
EPS 5Y5.69%
EPS growth Q2Q10.53%
Revenue 1Y (TTM)0.15%
Revenue growth 3Y5.5%
Revenue growth 5Y6.06%
Revenue growth Q2Q2.15%
3.2 Future
Based on estimates for the next years, FISI will show a decrease in Earnings Per Share. The EPS will decrease by -2.34% on average per year.
The Revenue is expected to grow by 7.53% on average over the next years.
EPS Next Y-17.02%
EPS Next 2Y-2.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.7%
Revenue Next 2Y7.53%
Revenue Next 3YN/A
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.14, which indicates a rather cheap valuation of FISI.
Based on the Price/Earnings ratio, FISI is valued cheaper than 95.63% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.55, FISI is valued rather cheaply.
A Price/Forward Earnings ratio of 6.20 indicates a rather cheap valuation of FISI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FISI indicates a rather cheap valuation: FISI is cheaper than 94.17% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.92. FISI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | 6.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FISI is valued more expensive than 83.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as FISI's earnings are expected to decrease with -2.34% in the coming years.
PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2Y-2.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FISI has a Yearly Dividend Yield of 6.97%, which is a nice return.
FISI's Dividend Yield is rather good when compared to the industry average which is at 3.86. FISI pays more dividend than 95.15% of the companies in the same industry.
FISI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.97% |
5.2 History
The dividend of FISI has a limited annual growth rate of 4.51%.
FISI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.51%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FISI pays out 40.46% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.46%
EPS Next 2Y-2.34%
EPS Next 3YN/A
FINANCIAL INSTITUTIONS INC
NASDAQ:FISI (5/1/2024, 7:00:00 PM)
After market: 17.43 0 (0%)17.43
+0.21 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap268.60M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.97% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | 6.2 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 10.73% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-4.78%
EPS 3Y13.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y-17.02%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.15%
Revenue growth 3Y5.5%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y