Financial Institutions Inc
Prices are adjusted according to historical splits.
Vitals
- Today's Low:
- $19.41
- Today's High:
- $21.21
- Open Price:
- $21.21
- 52W Low:
- $19.41
- 52W High:
- $31.1847
- Prev. Close:
- $21.4
- Volume:
- 170900
Company Statistics
- Market Cap.:
- $303.36 million
- Book Value:
- 25.314
- Revenue TTM:
- $200.33 million
- Operating Margin TTM:
- 37.95%
- Gross Profit TTM:
- $200.33 million
- Profit Margin:
- 28.24%
- Return on Assets TTM:
- 1%
- Return on Equity TTM:
- 12.42%
Company Profile
Financial Institutions Inc had its IPO on 1999-06-25 under the ticker symbol FISI.
The company operates in the Financial Services sector and Banks-Regional industry. Financial Institutions Inc has a staff strength of 672 employees.
Stock update
Shares of Financial Institutions Inc opened at $21.21 at the start of the last trading session i.e. 2023-03-19.
The stocks traded within a range of $19.41 - $21.21, and closed at $19.73.
This is a -7.8% slip from the previous day's closing price.
A total volume of 170,900 shares were traded at the close of the day’s session.
In the last one week, shares of Financial Institutions Inc have slipped by -13.25%.
Financial Institutions Inc's Key Ratios
Financial Institutions Inc has a market cap of $303.36 million, indicating a price to book ratio of 0.9777 and a price to sales ratio of 1.7791.
In the last 12-months Financial Institutions Inc’s revenue was $200.33 million with a gross profit of $200.33 million and an EBITDA of $0. The EBITDA ratio measures Financial Institutions Inc's overall financial performance and is widely used to measure its profitability.
In the trailing 12-month period, Financial Institutions Inc’s operating margin was 37.95% while its return on assets stood at 1% with a return of equity of 12.42%.
In Q4, Financial Institutions Inc’s quarterly earnings growth was a negative -36.6% while revenue growth was a negative 10.7%.
Financial Institutions Inc’s PE and PEG Ratio
- Forward PE
- 0
- Trailing PE
- 5.8896
- PEG
- 1.91
Its diluted EPS in the last 12-months stands at $3.35 per share while it has a forward price to earnings multiple of 0 and a PEG multiple of 1.91. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.
The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Financial Institutions Inc’s profitability.
Financial Institutions Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 1.7791.
Financial Institutions Inc stock pays annual dividends of $1.16 per share, indicating a yield of 5.72% and a payout ratio of 32.87%.
Balance sheet and cash flow metrics
- Total Assets
- $5.80 billion
- Total Liabilities
- $205.00 million
- Operating Cash Flow
- $-159708000.00
- Capital Expenditure
- $2.73 million
- Dividend Payout Ratio
- 32.87%
Financial Institutions Inc ended 2023 with $5.80 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $5.80 billion while shareholder equity stood at $-137487000.00.
Financial Institutions Inc ended 2023 with $0 in deferred long-term liabilities, $205.00 million in other current liabilities, 15340000.00 in common stock, $421.34 million in retained earnings and $0 in goodwill. Its cash balance stood at $130.47 million and cash and short-term investments were $130.47 million. The company’s total short-term debt was $205,000,000 while long-term debt stood at $74.22 million.
Financial Institutions Inc’s total current assets stands at $130.47 million while long-term investments were $4.96 billion and short-term investments were $0. Its net receivables were $0 compared to accounts payable of $0 and inventory worth $0.
In 2023, Financial Institutions Inc's operating cash flow was $-159708000.00 while its capital expenditure stood at $2.73 million.
Comparatively, Financial Institutions Inc paid $0.33 in dividends in 2023.
Other key metrics
- Current Trading Price
- $19.73
- 52-Week High
- $31.1847
- 52-Week Low
- $19.41
- Analyst Target Price
- $29
Financial Institutions Inc stock is currently trading at $19.73 per share. It touched a 52-week high of $31.1847 and a 52-week low of $31.1847. Analysts tracking the stock have a 12-month average target price of $29.
Its 50-day moving average was $23.85 and 200-day moving average was $24.48 The short ratio stood at 4.84 indicating a short percent outstanding of 0%.
Around 221.9% of the company’s stock are held by insiders while 6786.3% are held by institutions.
Frequently Asked Questions About Financial Institutions Inc
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About
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services, such as life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.