Financial Institutions, Inc. (FISI)
Total Valuation
FISI has a market cap or net worth of $260.44 million. The enterprise value is $577.19 million.
| Market Cap | 260.44M |
| Enterprise Value | 577.19M |
Important Dates
The next estimated earnings date is Thursday, October 26, 2023, after market close.
| Earnings Date | Oct 26, 2023 |
| Ex-Dividend Date | Sep 13, 2023 |
Share Statistics
FISI has 15.40 million shares outstanding. The number of shares has increased by 0.50% in one year.
| Shares Outstanding | 15.40M |
| Shares Change (YoY) | +0.50% |
| Shares Change (QoQ) | +0.00% |
| Owned by Insiders (%) | 2.49% |
| Owned by Institutions (%) | 66.91% |
| Float | 14.98M |
Valuation Ratios
The trailing PE ratio is 5.08 and the forward PE ratio is 5.29. FISI's PEG ratio is 1.91.
| PE Ratio | 5.08 |
| Forward PE | 5.29 |
| PS Ratio | 1.31 |
| Forward PS | 1.49 |
| PB Ratio | 0.61 |
| P/FCF Ratio | 4.25 |
| PEG Ratio | 1.91 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 7.53, with an EV/FCF ratio of 9.46.
| EV / Earnings | 11.33 |
| EV / Sales | 2.91 |
| EV / EBITDA | 7.53 |
| EV / EBIT | 8.92 |
| EV / FCF | 9.46 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.17 |
| Debt / EBITDA | 6.50 |
| Debt / FCF | 8.17 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.40% and return on invested capital (ROIC) is 1.10%.
| Return on Equity (ROE) | 12.40% |
| Return on Assets (ROA) | 0.90% |
| Return on Capital (ROIC) | 1.10% |
| Revenue Per Employee | $295,350 |
| Profits Per Employee | $75,813 |
| Employee Count | 672 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $12.29 million in taxes.
| Income Tax | 12.29M |
| Effective Tax Rate | 19.43% |
Stock Price Statistics
The stock price has decreased by -30.90% in the last 52 weeks. The beta is 0.91, so FISI's price volatility has been similar to the market average.
| Beta (1Y) | 0.91 |
| 52-Week Price Change | -30.90% |
| 50-Day Moving Average | 17.89 |
| 200-Day Moving Average | 19.65 |
| Relative Strength Index (RSI) | 42.21 |
| Average Volume (30 Days) | 44,925 |
Short Selling Information
The latest short interest is 88,873, so 0.58% of the outstanding shares have been sold short.
| Short Interest | 88,873 |
| Short Previous Month | 85,853 |
| Short % of Shares Out | 0.58% |
| Short % of Float | 0.59% |
| Short Ratio (days to cover) | 2.23 |
Income Statement
In the last 12 months, FISI had revenue of $198.48 million and earned $50.95 million in profits. Earnings per share was $3.31.
| Revenue | 198.48M |
| Gross Profit | 198.48M |
| Operating Income | 64.69M |
| Pretax Income | 64.69M |
| Net Income | 50.95M |
| EBITDA | 76.70M |
| EBIT | 64.69M |
| Earnings Per Share (EPS) | $3.31 |
Balance Sheet
The company has $180.25 million in cash and $498.38 million in debt, giving a net cash position of -$318.13 million or -$20.66 per share.
| Cash & Cash Equivalents | 180.25M |
| Total Debt | 498.38M |
| Net Cash | -318.13M |
| Net Cash Per Share | -$20.66 |
| Equity / Book Value | 425.87M |
| Book Value Per Share | 27.65 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $66.60 million and capital expenditures -$5.60 million, giving a free cash flow of $61.00 million.
| Operating Cash Flow | 66.60M |
| Capital Expenditures | -5.60M |
| Free Cash Flow | 61.00M |
| FCF Per Share | $3.97 |
Margins
Gross margin is 100.00%, with operating and profit margins of 32.59% and 25.67%.
| Gross Margin | 100.00% |
| Operating Margin | 32.59% |
| Pretax Margin | 32.59% |
| Profit Margin | 25.67% |
| EBITDA Margin | 38.65% |
| EBIT Margin | 32.59% |
| FCF Margin | 30.74% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 7.10%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 7.10% |
| Earnings Yield | 19.67% |
| FCF Yield | 23.55% |
| Dividend Growth (YoY) | 4.39% |
| Payout Ratio | 36.25% |
| Buyback Yield | -0.50% |
| Shareholder Yield | 6.63% |
Analyst Forecast
The average price target for FISI is $26.00, which is 53.76% higher than the current price. The consensus rating is "Hold".
| Price Target | $26.00 |
| Price Target Difference | 53.76% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| 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 |