31.18 USD
-0.23 (-0.73%)
31.18 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FISI. FISI was compared to 383 industry peers in the Banks industry. FISI may be in some trouble as it scores bad on both profitability and health. FISI has a decent growth rate and is not valued too expensively.
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.
FISI had positive earnings in 4 of the past 5 years.
In the past 5 years FISI always reported a positive cash flow from operatings.
1.2 Ratios
FISI's Return On Assets of -0.46% is on the low side compared to the rest of the industry. FISI is outperformed by 93.21% of its industry peers.
FISI has a Return On Equity of -4.70%. This is amonst the worse of the industry: FISI underperforms 92.69% 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
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.
The number of shares outstanding for FISI has been increased compared to 5 years ago.
FISI has a better debt/assets ratio than last year.
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.
FISI has a worse Debt to FCF ratio (3.14) than 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.
The Debt to Equity ratio of FISI (0.19) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.1%
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.
Looking at the last year, FISI shows a very negative growth in Revenue. The Revenue has decreased by -40.69% in the last year.
FISI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.25% yearly.
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.
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-21.53%
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
EPS Next 5YN/A
Revenue Next Year48.14%
Revenue Next 2Y25.77%
Revenue Next 3Y18.24%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 6.61.
FISI's Price/Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 96.08% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, FISI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.91, the valuation of FISI can be described as very cheap.
89.82% of the companies in the same industry are more expensive than FISI, based on the Price/Forward Earnings ratio.
FISI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 7.91 |
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 | 30.33 | ||
| 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)0.7
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
5. Dividend
5.1 Amount
FISI has a Yearly Dividend Yield of 7.12%, which is a nice return.
FISI's Dividend Yield is rather good when compared to the industry average which is at 2.90. FISI pays more dividend than 95.56% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, 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
FISI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-84.04%
EPS Next 2Y-7.85%
EPS Next 3Y-3.39%
31.18
-0.23 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.79%
Inst Owner Change0.05%
Ins Owners2.41%
Ins Owner Change0.24%
Market Cap627.65M
Revenue(TTM)131.42M
Net Income(TTM)-29.21M
Analysts80
Price Target35.19 (12.86%)
Short Float %2.4%
Short Ratio3.65
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)0%
Revenue NQ rev (3m)22.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)23.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 7.91 | ||
| P/S | 4.78 | ||
| P/FCF | 30.33 | ||
| P/OCF | 25.59 | ||
| P/B | 1.01 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.72
EY15.14%
EPS(NY)3.94
Fwd EY12.64%
FCF(TTM)1.03
FCFY3.3%
OCF(TTM)1.22
OCFY3.91%
SpS6.53
BVpS30.89
TBVpS27.88
PEG (NY)N/A
PEG (5Y)0.7
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
WACC20.1%
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 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 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 6.61 and the Price/Book (PB) ratio is 1.01.
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.