31.58 USD
-0.61 (-1.89%)
31.58 USD
0 (0%)
FISI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FISI has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- Of the past 5 years FISI 4 years were profitable.
- Each year in the past 5 years FISI had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of -0.46%, FISI is not doing good in the industry: 93.21% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of -4.70%, FISI is doing worse than 92.69% of the companies in the same industry.
| 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
- FISI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- FISI has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, FISI has an improved debt to assets ratio.
2.2 Solvency
- FISI has a debt to FCF ratio of 3.14. This is a good value and a sign of high solvency as FISI would need 3.14 years to pay back of all of its debts.
- FISI has a Debt to FCF ratio of 3.14. This is in the lower half of the industry: FISI underperforms 63.71% of its industry peers.
- 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 44.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 38.42% over the past year.
- The Earnings Per Share has been growing by 9.41% on average over the past years. This is quite good.
- FISI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -40.69%.
- The Revenue has been decreasing by -7.25% on average over the past years.
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
- The Earnings Per Share is expected to decrease by -3.39% on average over the next years.
- Based on estimates for the next years, FISI will show a quite strong growth in Revenue. The Revenue will grow by 14.73% on average per year.
EPS Next Y-21.53%
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
EPS Next 5YN/A
Revenue Next Year35.1%
Revenue Next 2Y19.98%
Revenue Next 3Y14.73%
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
- The Price/Earnings ratio is 6.69, which indicates a rather cheap valuation of FISI.
- Based on the Price/Earnings ratio, FISI is valued cheaply inside the industry as 96.08% of the companies are valued more expensively.
- FISI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.94.
- With a Price/Forward Earnings ratio of 8.01, the valuation of FISI can be described as very reasonable.
- 89.56% of the companies in the same industry are more expensive than FISI, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, FISI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 8.01 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FISI is valued a bit more expensive than the industry average as 79.37% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as FISI's earnings are expected to decrease with -3.39% in the coming years.
PEG (NY)N/A
PEG (5Y)0.71
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.12%, FISI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.85, FISI pays a better dividend. On top of this FISI pays more dividend than 94.26% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, FISI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.12% |
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.
- The dividend of FISI decreased 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-7.85%
EPS Next 3Y-3.39%
31.58
-0.61 (-1.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners82.79%
Inst Owner Change0.05%
Ins Owners2.41%
Ins Owner Change0.24%
Market Cap635.71M
Revenue(TTM)131.42M
Net Income(TTM)-29.21M
Analysts80
Price Target35.19 (11.43%)
Short Float %1.99%
Short Ratio3.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.12% |
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-84.04%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)-1.43%
PT rev (3m)1.47%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)0.1%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)-8.24%
Revenue NQ rev (3m)12.12%
Revenue NY rev (1m)-8.8%
Revenue NY rev (3m)12.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 8.01 | ||
| P/S | 4.84 | ||
| P/FCF | 30.72 | ||
| P/OCF | 25.92 | ||
| P/B | 1.02 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.72
EY14.95%
EPS(NY)3.94
Fwd EY12.48%
FCF(TTM)1.03
FCFY3.26%
OCF(TTM)1.22
OCFY3.86%
SpS6.53
BVpS30.89
TBVpS27.88
PEG (NY)N/A
PEG (5Y)0.71
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
WACC20.05%
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-21.53%
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
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 Year35.1%
Revenue Next 2Y19.98%
Revenue Next 3Y14.73%
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 for 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.
What is the valuation of FINANCIAL INSTITUTIONS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FINANCIAL INSTITUTIONS INC (FISI) is 6.69 and the Price/Book (PB) ratio is 1.02.
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 -21.53% in the next year.