Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $529.43 million. The enterprise value is $665.95 million.

Market Cap	529.43M
Enterprise Value	665.95M

Important Dates

The last earnings date was Thursday, January 30, 2025, after market close.

Earnings Date	Jan 30, 2025
Ex-Dividend Date	Dec 13, 2024

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 (%)	2.47%
Owned by Institutions (%)	55.40%
Float	18.97M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.90
PS Ratio	3.73
Forward PS	3.06
PB Ratio	0.93
P/TBV Ratio	1.04
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	6.01
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 -4.71%.

Return on Equity (ROE)	-4.71%
Return on Assets (ROA)	-0.40%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$177,497
Profits Per Employee	-$41,636
Employee Count	624
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-20.60M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +21.97% in the last 52 weeks. The beta is 0.93, so FISI's price volatility has been similar to the market average.

Beta (5Y)	0.93
52-Week Price Change	+21.97%
50-Day Moving Average	27.06
200-Day Moving Average	23.36
Relative Strength Index (RSI)	43.64
Average Volume (20 Days)	145,243

Short Selling Information

The latest short interest is 159,645, so 0.80% of the outstanding shares have been sold short.

Short Interest	159,645
Short Previous Month	125,913
Short % of Shares Out	0.80%
Short % of Float	0.84%
Short Ratio (days to cover)	1.42

Income Statement

In the last 12 months, FISI had revenue of $110.76 million and -$25.98 million in losses. Loss per share was -$1.66.

Revenue	110.76M
Gross Profit	110.76M
Operating Income	-39.26M
Pretax Income	63.97M
Net Income	-25.98M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$1.66

Full Income Statement

Balance Sheet

The company has $87.32 million in cash and $223.84 million in debt, giving a net cash position of -$136.52 million or -$6.80 per share.

Cash & Cash Equivalents	87.32M
Total Debt	223.84M
Net Cash	-136.52M
Net Cash Per Share	-$6.80
Equity (Book Value)	586.11M
Book Value Per Share	28.33
Working Capital	-5.11B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
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	-40.74%
Profit Margin	-22.14%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 4.55%.

Dividend Per Share	$1.20
Dividend Yield	4.55%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-1.34%
Shareholder Yield	3.21%
Earnings Yield	-4.91%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for FISI is $26.67, which is 1.14% higher than the current price. The consensus rating is "Hold".

Price Target	$26.67
Price Target Difference	1.14%
Analyst Consensus	Hold
Analyst Count	3
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	n/a