Financhill
Sell
38

FISI Quote, Financials, Valuation and Earnings

Last price:
$26.88
Seasonality move :
-3.15%
Day range:
$26.40 - $26.99
52-week range:
$16.29 - $29.34
Dividend yield:
4.48%
P/E ratio:
8.43x
P/S ratio:
1.90x
P/B ratio:
0.86x
Volume:
85.5K
Avg. volume:
128.4K
1-year change:
27.67%
Market cap:
$414.9M
Revenue:
$212.2M
EPS (TTM):
$3.18

Analysts' Opinion

  • Consensus Rating
    Financial Institutions has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $29.50, Financial Institutions has an estimated upside of 15.63% from its current price of $26.81.
  • Price Target Downside
    According to analysts, the lowest downside price target is $28.00 representing 100% downside risk from its current price of $26.81.

Fair Value

  • According to the consensus of 2 analysts, Financial Institutions has 15.63% upside to fair value with a price target of $29.50 per share.

FISI vs. S&P 500

  • Over the past 5 trading days, Financial Institutions has underperformed the S&P 500 by -1.61% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Financial Institutions does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Financial Institutions revenues have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Financial Institutions reported revenues of $49.7M.

Earnings Growth

  • Financial Institutions earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Financial Institutions reported earnings per share of $0.84.
Enterprise value:
-524.5M
EV / Invested capital:
--
Price / LTM sales:
1.90x
EV / EBIT:
-2.48x
EV / Revenue:
-2.39x
PEG ratio (5yr expected):
--
EV / Free cash flow:
155.07x
Price / Operating cash flow:
10.06x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.83%
Net Income Margin (TTM):
23.23%
Return On Equity:
11.19%
Return On Invested Capital:
7.19%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Income Statement
Revenue $210.7M $211.5M $219.3M $51.8M $49.7M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $4.01 $3.31 $3.18 $0.88 $0.84
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Balance Sheet
Current Assets $798M $1.4B $1.1B $1.1B $1.2B
Total Assets $5B $5.6B $5.6B $6.1B $6.2B
Current Liabilities $5.3M -- $69M $88.1M $82.5M
Total Liabilities $4.5B $5.1B $5.2B $5.7B $5.7B
Total Equity $456.4M $494M $394M $408.7M $500.3M
Total Debt $44.6M $73.8M $143.1M $194.5M $179.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Cash Flow Statement
Cash Flow Operations $150.9M $74.7M $2.4M $43.7M $2.1M
Cash From Investing -$282.5M -$442.9M $99.8M -$4M $79.8M
Cash From Financing -$38.3M $441.7M -$44.8M -$27.9M $21.3M
Free Cash Flow $144.2M $70.2M -$3.4M $43.2M -$299K
FISI
Sector
Market Cap
$414.9M
$684.5M
Price % of 52-Week High
91.38%
87.63%
Dividend Yield
4.48%
2.22%
Shareholder Yield
20.99%
3.86%
1-Year Price Total Return
27.67%
8.32%
Beta (5-Year)
0.911
0.739
Dividend yield:
4.48%
Annualized payout:
$1.20
Payout ratio:
39.17%
Growth streak:
13 years

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Technicals

8-day SMA
Sell
Level $27.14
200-day SMA
Buy
Level $22.57
Bollinger Bands (100)
Buy
Level 24.67 - 27.23
Chaikin Money Flow
Buy
Level 2.1M
20-day SMA
Sell
Level $27.34
Relative Strength Index (RSI14)
Sell
Level 46.42
ADX Line
Sell
Level 18.64
Williams %R
Buy
Level -86.0544
50-day SMA
Buy
Level $26.69
MACD (12, 26)
Buy
Level 0.03
25-day Aroon Oscillator
Buy
Level 20
On Balance Volume
Neutral
Level 2.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4423)
Sell
CA Score (Annual)
Level (-2.279)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.3367)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.

Stock Forecast FAQ

In the current month, FISI has received 0 Buy ratings 2 Hold ratings, and 0 Sell ratings. The FISI average analyst price target in the past 3 months is $29.50.

  • Where Will Financial Institutions Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Financial Institutions share price will rise to $29.50 per share over the next 12 months.

  • What Do Analysts Say About Financial Institutions?

    Analysts are divided on their view about Financial Institutions share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Financial Institutions is a Sell and believe this share price will drop from its current level to $28.00.

  • What Is Financial Institutions's Price Target?

    The price target for Financial Institutions over the next 1-year time period is forecast to be $29.50 according to 2 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is FISI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Financial Institutions is a Hold. 2 of 2 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of FISI?

    You can purchase shares of Financial Institutions via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, TastyTrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Financial Institutions shares.

  • What Is The Financial Institutions Share Price Today?

    Financial Institutions was last trading at $26.88 per share. This represents the most recent stock quote for Financial Institutions. Yesterday, Financial Institutions closed at $26.81 per share.

  • How To Buy Financial Institutions Stock Online?

    In order to purchase Financial Institutions stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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