Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $341.22 million. The enterprise value is $361.79 million.
| Market Cap | 341.22M |
| Enterprise Value | 361.79M |
Important Dates
The next confirmed earnings date is Thursday, July 25, 2024, after market close.
| Earnings Date | Jul 25, 2024 |
| Ex-Dividend Date | Jun 14, 2024 |
Share Statistics
FISI has 15.45 million shares outstanding. The number of shares has increased by 0.22% in one year.
| Shares Outstanding | 15.45M |
| Shares Change (YoY) | +0.22% |
| Shares Change (QoQ) | +0.21% |
| Owned by Insiders (%) | 2.80% |
| Owned by Institutions (%) | 64.81% |
| Float | 14.99M |
Valuation Ratios
The trailing PE ratio is 8.84 and the forward PE ratio is 5.64. FISI's PEG ratio is 1.91.
| PE Ratio | 8.84 |
| Forward PE | 5.64 |
| PS Ratio | 1.64 |
| Forward PS | 1.83 |
| PB Ratio | 0.77 |
| P/FCF Ratio | 25.65 |
| PEG Ratio | 1.91 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.17, with an EV/FCF ratio of 27.19.
| EV / Earnings | 9.33 |
| EV / Sales | 1.74 |
| EV / EBITDA | 6.17 |
| EV / EBIT | 7.15 |
| EV / FCF | 27.19 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.58 |
| Debt / EBITDA | 4.39 |
| Debt / FCF | 19.36 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.90% and return on invested capital (ROIC) is 5.72%.
| Return on Equity (ROE) | 8.90% |
| Return on Assets (ROA) | 0.60% |
| Return on Capital (ROIC) | 5.72% |
| Revenue Per Employee | $333,641 |
| Profits Per Employee | $62,157 |
| Employee Count | 624 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $10.37 million in taxes.
| Income Tax | 10.37M |
| Effective Tax Rate | 21.10% |
Stock Price Statistics
The stock price has increased by +26.52% in the last 52 weeks. The beta is 0.92, so FISI's price volatility has been similar to the market average.
| Beta (5Y) | 0.92 |
| 52-Week Price Change | +26.52% |
| 50-Day Moving Average | 18.63 |
| 200-Day Moving Average | 18.58 |
| Relative Strength Index (RSI) | 72.19 |
| Average Volume (20 Days) | 60,477 |
Short Selling Information
The latest short interest is 83,847, so 0.54% of the outstanding shares have been sold short.
| Short Interest | 83,847 |
| Short Previous Month | 56,090 |
| Short % of Shares Out | 0.54% |
| Short % of Float | 0.56% |
| Short Ratio (days to cover) | 1.76 |
Income Statement
In the last 12 months, FISI had revenue of $208.19 million and earned $38.79 million in profits. Earnings per share was $2.50.
| Revenue | 208.19M |
| Gross Profit | 208.19M |
| Operating Income | 50.62M |
| Pretax Income | 50.62M |
| Net Income | 38.79M |
| EBITDA | 58.67M |
| EBIT | 50.62M |
| Earnings Per Share (EPS) | $2.50 |
Balance Sheet
The company has $237.04 million in cash and $257.61 million in debt, giving a net cash position of -$20.57 million or -$1.33 per share.
| Cash & Cash Equivalents | 237.04M |
| Total Debt | 257.61M |
| Net Cash | -20.57M |
| Net Cash Per Share | -$1.33 |
| Equity (Book Value) | 445.73M |
| Book Value Per Share | 28.86 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $16.62 million and capital expenditures -$3.32 million, giving a free cash flow of $13.30 million.
| Operating Cash Flow | 16.62M |
| Capital Expenditures | -3.32M |
| Free Cash Flow | 13.30M |
| FCF Per Share | $0.86 |
Margins
Gross margin is 100.00%, with operating and profit margins of 24.31% and 18.63%.
| Gross Margin | 100.00% |
| Operating Margin | 24.31% |
| Pretax Margin | 24.31% |
| Profit Margin | 18.63% |
| EBITDA Margin | 28.18% |
| EBIT Margin | 24.31% |
| FCF Margin | 6.39% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 5.43%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 5.43% |
| Dividend Growth (YoY) | 1.69% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 48.00% |
| Buyback Yield | -0.22% |
| Shareholder Yield | 5.22% |
| Earnings Yield | 11.37% |
| FCF Yield | 3.90% |
Analyst Forecast
The average price target for FISI is $19.50, which is -11.72% lower than the current price. The consensus rating is "Hold".
| Price Target | $19.50 |
| Price Target Difference | -11.72% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
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 | 3 |