Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $268.42 million. The enterprise value is $453.51 million.
| Market Cap | 268.42M |
| Enterprise Value | 453.51M |
Important Dates
The last earnings date was Thursday, April 25, 2024, after market close.
| Earnings Date | Apr 25, 2024 |
| Ex-Dividend Date | Mar 14, 2024 |
Share Statistics
FISI has 15.41 million shares outstanding. The number of shares has increased by 0.03% in one year.
| Shares Outstanding | 15.41M |
| Shares Change (YoY) | +0.03% |
| Shares Change (QoQ) | -0.17% |
| Owned by Insiders (%) | 2.63% |
| Owned by Institutions (%) | 64.01% |
| Float | 14.98M |
Valuation Ratios
The trailing PE ratio is 5.53 and the forward PE ratio is 6.18. FISI's PEG ratio is 1.91.
| PE Ratio | 5.53 |
| Forward PE | 6.18 |
| PS Ratio | 1.34 |
| Forward PS | 1.47 |
| PB Ratio | 0.59 |
| P/FCF Ratio | 33.97 |
| PEG Ratio | 1.91 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.37, with an EV/FCF ratio of 57.39.
| EV / Earnings | 9.29 |
| EV / Sales | 2.26 |
| EV / EBITDA | 6.37 |
| EV / EBIT | 7.19 |
| EV / FCF | 57.39 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.68 |
| Debt / EBITDA | 4.35 |
| Debt / FCF | 39.17 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.40% and return on invested capital (ROIC) is 6.58%.
| Return on Equity (ROE) | 11.40% |
| Return on Assets (ROA) | 0.80% |
| Return on Capital (ROIC) | 6.58% |
| Revenue Per Employee | $320,958 |
| Profits Per Employee | $78,213 |
| Employee Count | 624 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $12.79 million in taxes.
| Income Tax | 12.79M |
| Effective Tax Rate | 20.76% |
Stock Price Statistics
The stock price has increased by +0.06% in the last 52 weeks. The beta is 0.89, so FISI's price volatility has been lower than the market average.
| Beta (1Y) | 0.89 |
| 52-Week Price Change | +0.06% |
| 50-Day Moving Average | 18.15 |
| 200-Day Moving Average | 18.36 |
| Relative Strength Index (RSI) | 46.82 |
| Average Volume (30 Days) | 50,708 |
Short Selling Information
The latest short interest is 56,375, so 0.37% of the outstanding shares have been sold short.
| Short Interest | 56,375 |
| Short Previous Month | 73,492 |
| Short % of Shares Out | 0.37% |
| Short % of Float | 0.38% |
| Short Ratio (days to cover) | 1.60 |
Income Statement
In the last 12 months, FISI had revenue of $200.28 million and earned $48.81 million in profits. Earnings per share was $3.15.
| Revenue | 200.28M |
| Gross Profit | 200.28M |
| Operating Income | 63.05M |
| Pretax Income | 63.05M |
| Net Income | 48.81M |
| EBITDA | 71.14M |
| EBIT | 63.05M |
| Earnings Per Share (EPS) | $3.15 |
Balance Sheet
The company has $124.44 million in cash and $309.53 million in debt, giving a net cash position of -$185.09 million or -$12.01 per share.
| Cash & Cash Equivalents | 124.44M |
| Total Debt | 309.53M |
| Net Cash | -185.09M |
| Net Cash Per Share | -$12.01 |
| Equity / Book Value | 454.80M |
| Book Value Per Share | 29.52 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $10.89 million and capital expenditures -$2.99 million, giving a free cash flow of $7.90 million.
| Operating Cash Flow | 10.89M |
| Capital Expenditures | -2.99M |
| Free Cash Flow | 7.90M |
| FCF Per Share | $0.51 |
Margins
Gross margin is 100.00%, with operating and profit margins of 31.48% and 24.37%.
| Gross Margin | 100.00% |
| Operating Margin | 31.48% |
| Pretax Margin | 31.48% |
| Profit Margin | 24.37% |
| EBITDA Margin | 35.52% |
| EBIT Margin | 31.48% |
| FCF Margin | 3.95% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 6.89%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 6.89% |
| Dividend Growth (YoY) | 2.56% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 38.10% |
| Buyback Yield | -0.03% |
| Shareholder Yield | 6.86% |
| Earnings Yield | 18.18% |
| FCF Yield | 2.94% |
Analyst Forecast
The average price target for FISI is $19.50, which is 11.94% higher than the current price. The consensus rating is "Hold".
| Price Target | $19.50 |
| Price Target Difference | 11.94% |
| 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 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |