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FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

NASDAQ:FISI - Nasdaq - US3175854047 - Common Stock - Currency: USD

23.86  -0.1 (-0.42%)

After market: 23.86 0 (0%)

Fundamental Rating

4

Overall FISI gets a fundamental rating of 4 out of 10. We evaluated FISI against 398 industry peers in the Banks industry. Both the profitability and financial health of FISI have multiple concerns. FISI is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FISI had positive earnings in the past year.
In the past year FISI had a positive cash flow from operations.
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.
FISI Yearly Net Income VS EBIT VS OCF VS FCFFISI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

FISI has a Return On Assets of -0.70%. This is amonst the worse of the industry: FISI underperforms 96.23% of its industry peers.
Looking at the Return On Equity, with a value of -7.58%, FISI is doing worse than 96.48% of the companies in the same industry.
Industry RankSector Rank
ROA -0.7%
ROE -7.58%
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
FISI Yearly ROA, ROE, ROICFISI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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 RankSector 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
FISI Yearly Profit, Operating, Gross MarginsFISI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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3

2. Health

2.1 Basic Checks

FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FISI has been increased compared to 1 year ago.
Compared to 5 years ago, FISI has more shares outstanding
The debt/assets ratio for FISI has been reduced compared to a year ago.
FISI Yearly Shares OutstandingFISI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FISI Yearly Total Debt VS Total AssetsFISI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

FISI has a debt to FCF ratio of 1.04. This is a very positive value and a sign of high solvency as it would only need 1.04 years to pay back of all of its debts.
FISI has a Debt to FCF ratio of 1.04. This is in the better half of the industry: FISI outperforms 71.36% of its industry peers.
FISI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
FISI's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. FISI outperforms 63.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.04
Altman-Z N/A
ROIC/WACCN/A
WACC22.51%
FISI Yearly LT Debt VS Equity VS FCFFISI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FISI Yearly Current Assets VS Current LiabilitesFISI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

FISI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.87%, which is quite impressive.
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 -45.36%.
FISI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.25% yearly.
EPS 1Y (TTM)36.87%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%146.43%
Revenue 1Y (TTM)-45.36%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%4.38%

3.2 Future

The Earnings Per Share is expected to decrease by -9.37% on average over the next years.
The Revenue is expected to grow by 14.08% on average over the next years. This is quite good.
EPS Next Y-27.82%
EPS Next 2Y-9.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.93%
Revenue Next 2Y14.08%
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.
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.
FISI Yearly Revenue VS EstimatesFISI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
FISI Yearly EPS VS EstimatesFISI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.14, the valuation of FISI can be described as very cheap.
96.48% of the companies in the same industry are more expensive than FISI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FISI to the average of the S&P500 Index (28.78), we can say FISI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.12, the valuation of FISI can be described as very cheap.
Based on the Price/Forward Earnings ratio, FISI is valued cheaper than 87.44% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.32. FISI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.14
Fwd PE 7.12
FISI Price Earnings VS Forward Price EarningsFISI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

86.18% of the companies in the same industry are more expensive than FISI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.65
EV/EBITDA N/A
FISI Per share dataFISI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

A cheap valuation may be justified as FISI's earnings are expected to decrease with -9.37% in the coming years.
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2Y-9.37%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

FISI has a Yearly Dividend Yield of 5.18%, which is a nice return.
Compared to an average industry Dividend Yield of 3.52, FISI pays a better dividend. On top of this FISI pays more dividend than 88.19% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.46, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.18%

5.2 History

The dividend of FISI has a limited annual growth rate of 0.75%.
FISI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0.75%
Div Incr Years0
Div Non Decr Years0
FISI Yearly Dividends per shareFISI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

FISI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.34%
EPS Next 2Y-9.37%
EPS Next 3YN/A
FISI Yearly Income VS Free CF VS DividendFISI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

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FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (4/25/2025, 4:30:00 PM)

After market: 23.86 0 (0%)

23.86

-0.1 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners81.08%
Inst Owner Change-77.32%
Ins Owners2.38%
Ins Owner Change3.4%
Market Cap479.82M
Analysts80
Price Target32.64 (36.8%)
Short Float %2.76%
Short Ratio2.64
Dividend
Industry RankSector Rank
Dividend Yield 5.18%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-46.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-14 2025-03-14 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)93.92%
Min EPS beat(2)8.36%
Max EPS beat(2)179.48%
EPS beat(4)2
Avg EPS beat(4)21.3%
Min EPS beat(4)-81.64%
Max EPS beat(4)179.48%
EPS beat(8)5
Avg EPS beat(8)14.42%
EPS beat(12)7
Avg EPS beat(12)9.59%
EPS beat(16)11
Avg EPS beat(16)15.93%
Revenue beat(2)0
Avg Revenue beat(2)-4.53%
Min Revenue beat(2)-5.42%
Max Revenue beat(2)-3.63%
Revenue beat(4)0
Avg Revenue beat(4)-5.01%
Min Revenue beat(4)-10.42%
Max Revenue beat(4)-0.56%
Revenue beat(8)0
Avg Revenue beat(8)-3.93%
Revenue beat(12)4
Avg Revenue beat(12)6.75%
Revenue beat(16)8
Avg Revenue beat(16)12.95%
PT rev (1m)-3.03%
PT rev (3m)3.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.85%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)15.33%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)3.08%
Valuation
Industry RankSector Rank
PE 5.14
Fwd PE 7.12
P/S 4.1
P/FCF 6.65
P/OCF 6.22
P/B 0.84
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)4.64
EY19.45%
EPS(NY)3.35
Fwd EY14.04%
FCF(TTM)3.59
FCFY15.04%
OCF(TTM)3.84
OCFY16.07%
SpS5.81
BVpS28.29
TBVpS25.27
PEG (NY)N/A
PEG (5Y)0.55
Profitability
Industry RankSector Rank
ROA -0.7%
ROE -7.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 61.72%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.04
Debt/EBITDA N/A
Cap/Depr 64.81%
Cap/Sales 4.25%
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-Score3
WACC22.51%
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)36.87%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%146.43%
EPS Next Y-27.82%
EPS Next 2Y-9.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.36%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%4.38%
Revenue Next Year21.93%
Revenue Next 2Y14.08%
Revenue Next 3YN/A
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 1Y813.1%
FCF growth 3Y4.3%
FCF growth 5Y5.93%
OCF growth 1Y607.98%
OCF growth 3Y1.85%
OCF growth 5Y5.98%