Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $522.03 million. The enterprise value is $686.59 million.

Market Cap	522.03M
Enterprise Value	686.59M

Important Dates

The next estimated earnings date is Thursday, April 24, 2025, after market close.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Mar 14, 2025

Share Statistics

FISI has 20.08 million shares outstanding. The number of shares has increased by 1.34% in one year.

Current Share Class	20.08M
Shares Outstanding	20.08M
Shares Change (YoY)	+1.34%
Shares Change (QoQ)	+4.98%
Owned by Insiders (%)	2.43%
Owned by Institutions (%)	78.17%
Float	19.58M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.85
PS Ratio	3.68
Forward PS	2.55
PB Ratio	0.95
P/TBV Ratio	1.06
P/FCF Ratio	n/a
P/OCF Ratio	6.77
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	6.20
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -8.14%.

Return on Equity (ROE)	-8.14%
Return on Assets (ROA)	-0.68%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$177,497
Profits Per Employee	-$69,079
Employee Count	624
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-26.50M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +40.62% in the last 52 weeks. The beta is 0.89, so FISI's price volatility has been lower than the market average.

Beta (5Y)	0.89
52-Week Price Change	+40.62%
50-Day Moving Average	27.33
200-Day Moving Average	24.74
Relative Strength Index (RSI)	35.35
Average Volume (20 Days)	178,569

Short Selling Information

The latest short interest is 376,208, so 1.87% of the outstanding shares have been sold short.

Short Interest	376,208
Short Previous Month	312,815
Short % of Shares Out	1.87%
Short % of Float	1.92%
Short Ratio (days to cover)	2.29

Income Statement

In the last 12 months, FISI had revenue of $110.76 million and -$43.11 million in losses. Loss per share was -$2.75.

Revenue	110.76M
Gross Profit	110.76M
Operating Income	-39.26M
Pretax Income	63.97M
Net Income	-43.11M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$2.75

Full Income Statement

Balance Sheet

The company has $133.45 million in cash and $298.02 million in debt, giving a net cash position of -$164.56 million or -$8.20 per share.

Cash & Cash Equivalents	133.45M
Total Debt	298.02M
Net Cash	-164.56M
Net Cash Per Share	-$8.20
Equity (Book Value)	568.98M
Book Value Per Share	27.48
Working Capital	-5.16B

Full Balance Sheet

Cash Flow

Operating Cash Flow	77.13M
Capital Expenditures	-4.97M
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	-35.44%
Pretax Margin	-61.53%
Profit Margin	-37.60%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.77%.

Dividend Per Share	$1.24
Dividend Yield	4.77%
Dividend Growth (YoY)	0.83%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-1.34%
Shareholder Yield	3.42%
Earnings Yield	-8.26%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for FISI is $29.50, which is 13.46% higher than the current price. The consensus rating is "Buy".

Price Target	$29.50
Price Target Difference	13.46%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2