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FISI Quote, Financials, Valuation and Earnings
Last price:
$31.24
Seasonality move
:
2.19%
Day range:
$31.00 - $31.42
52-week range:
$20.97 - $31.42
Dividend yield:
3.94%
P/E ratio:
8.29x
P/S ratio:
2.28x
P/B ratio:
1.04x
Volume:
82.2K
Avg. volume:
129.8K
1-year change:
16.05%
Market cap:
$628.9M
Revenue:
$263.4M
EPS (TTM):
-$2.42
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
$60.5M | $0.88 | -30.3% | 5.03% | $35.00 |
|
BHB
Bar Harbor Bankshares
|
$41.4M | $0.83 | -24.74% | 22.79% | $34.50 |
|
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
|
-- | -- | -- | -- | -- |
|
OPHC
OptimumBank Holdings, Inc.
|
-- | -- | -- | -- | $5.00 |
|
PRK
Park National Corp.
|
$140.1M | $2.74 | -13.63% | 18.03% | $180.33 |
|
TMP
Tompkins Financial Corp.
|
$87M | $1.70 | -24.04% | 20.13% | $77.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
$31.24 | $35.00 | $628.9M | 8.29x | $0.31 | 3.94% | 2.28x |
|
BHB
Bar Harbor Bankshares
|
$31.10 | $34.50 | $519M | 13.40x | $0.32 | 4.05% | 2.08x |
|
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
|
$4.39 | -- | $401.6M | 108.13x | $0.25 | 0% | 2.51x |
|
OPHC
OptimumBank Holdings, Inc.
|
$4.05 | $5.00 | $46.7M | 3.53x | $0.00 | 0% | 0.87x |
|
PRK
Park National Corp.
|
$158.40 | $180.33 | $2.5B | 14.60x | $2.32 | 2.7% | 3.89x |
|
TMP
Tompkins Financial Corp.
|
$71.46 | $77.00 | $1B | 12.12x | $0.65 | 3.51% | 2.20x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
24.54% | 0.418 | 35.79% | 0.00x |
|
BHB
Bar Harbor Bankshares
|
26.95% | 0.833 | 37.81% | 0.00x |
|
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
|
32.65% | 1.058 | 44.45% | 0.00x |
|
OPHC
OptimumBank Holdings, Inc.
|
2.38% | 0.312 | 5.84% | 0.00x |
|
PRK
Park National Corp.
|
6.69% | 1.119 | 3.65% | 0.00x |
|
TMP
Tompkins Financial Corp.
|
39.99% | 1.042 | 55.29% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
-- | $25M | -3.48% | -4.84% | 60.66% | -$6.9M |
|
BHB
Bar Harbor Bankshares
|
-- | $10.8M | 4.95% | 7.61% | 45.12% | $18.1M |
|
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
|
-- | $7.5M | 0.83% | 1.31% | 54.67% | $5.7M |
|
OPHC
OptimumBank Holdings, Inc.
|
-- | $5.7M | 12.2% | 14.8% | 59.75% | $1.9M |
|
PRK
Park National Corp.
|
-- | $58.1M | 11.44% | 13.78% | 50.75% | $45.1M |
|
TMP
Tompkins Financial Corp.
|
-- | $31.1M | 5.95% | 11.34% | 53.65% | $33.9M |
Financial Institutions, Inc. vs. Competitors
-
Which has Higher Returns FISI or BHB?
Bar Harbor Bankshares has a net margin of 21.46% compared to Financial Institutions, Inc.'s net margin of 13.32%. Financial Institutions, Inc.'s return on equity of -4.84% beat Bar Harbor Bankshares's return on equity of 7.61%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.99 $823.9M BHBBar Harbor Bankshares-- $0.54 $713.1M -
What do Analysts Say About FISI or BHB?
Financial Institutions, Inc. has a consensus price target of $35.00, signalling upside risk potential of 12.04%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $34.50 which suggests that it could grow by 10.93%. Given that Financial Institutions, Inc. has higher upside potential than Bar Harbor Bankshares, analysts believe Financial Institutions, Inc. is more attractive than Bar Harbor Bankshares.
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 0 0 BHBBar Harbor Bankshares0 1 0 -
Is FISI or BHB More Risky?
Financial Institutions, Inc. has a beta of 0.723, which suggesting that the stock is 27.713% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.
-
Which is a Better Dividend Stock FISI or BHB?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.94%. Bar Harbor Bankshares offers a yield of 4.05% to investors and pays a quarterly dividend of $0.32 per share. Financial Institutions, Inc. pays 47.96% of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FISI or BHB?
Financial Institutions, Inc. quarterly revenues are $95.4M, which are larger than Bar Harbor Bankshares quarterly revenues of $66.5M. Financial Institutions, Inc.'s net income of $20.5M is higher than Bar Harbor Bankshares's net income of $8.9M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 8.29x while Bar Harbor Bankshares's PE ratio is 13.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions, Inc. is 2.28x versus 2.08x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.2.28x 8.29x $95.4M $20.5M BHBBar Harbor Bankshares2.08x 13.40x $66.5M $8.9M
-
Which has Higher Returns FISI or BRBS?
Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 21.46% compared to Financial Institutions, Inc.'s net margin of 14.05%. Financial Institutions, Inc.'s return on equity of -4.84% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 1.31%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.99 $823.9M BRBSBlue Ridge Bankshares, Inc. (Virginia)-- $0.06 $527.8M -
What do Analysts Say About FISI or BRBS?
Financial Institutions, Inc. has a consensus price target of $35.00, signalling upside risk potential of 12.04%. On the other hand Blue Ridge Bankshares, Inc. (Virginia) has an analysts' consensus of -- which suggests that it could fall by --. Given that Financial Institutions, Inc. has higher upside potential than Blue Ridge Bankshares, Inc. (Virginia), analysts believe Financial Institutions, Inc. is more attractive than Blue Ridge Bankshares, Inc. (Virginia).
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 0 0 BRBSBlue Ridge Bankshares, Inc. (Virginia)0 0 0 -
Is FISI or BRBS More Risky?
Financial Institutions, Inc. has a beta of 0.723, which suggesting that the stock is 27.713% less volatile than S&P 500. In comparison Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.898, suggesting its less volatile than the S&P 500 by 10.177%.
-
Which is a Better Dividend Stock FISI or BRBS?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.94%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. Financial Institutions, Inc. pays 47.96% of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend. Financial Institutions, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FISI or BRBS?
Financial Institutions, Inc. quarterly revenues are $95.4M, which are larger than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $39.9M. Financial Institutions, Inc.'s net income of $20.5M is higher than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $5.6M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 8.29x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 108.13x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions, Inc. is 2.28x versus 2.51x for Blue Ridge Bankshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.2.28x 8.29x $95.4M $20.5M BRBSBlue Ridge Bankshares, Inc. (Virginia)2.51x 108.13x $39.9M $5.6M
-
Which has Higher Returns FISI or OPHC?
OptimumBank Holdings, Inc. has a net margin of 21.46% compared to Financial Institutions, Inc.'s net margin of 23.62%. Financial Institutions, Inc.'s return on equity of -4.84% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.99 $823.9M OPHCOptimumBank Holdings, Inc.-- $0.18 $119.7M -
What do Analysts Say About FISI or OPHC?
Financial Institutions, Inc. has a consensus price target of $35.00, signalling upside risk potential of 12.04%. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 23.46%. Given that OptimumBank Holdings, Inc. has higher upside potential than Financial Institutions, Inc., analysts believe OptimumBank Holdings, Inc. is more attractive than Financial Institutions, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 0 0 OPHCOptimumBank Holdings, Inc.0 1 0 -
Is FISI or OPHC More Risky?
Financial Institutions, Inc. has a beta of 0.723, which suggesting that the stock is 27.713% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.
-
Which is a Better Dividend Stock FISI or OPHC?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.94%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Financial Institutions, Inc. pays 47.96% of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend. Financial Institutions, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FISI or OPHC?
Financial Institutions, Inc. quarterly revenues are $95.4M, which are larger than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. Financial Institutions, Inc.'s net income of $20.5M is higher than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 8.29x while OptimumBank Holdings, Inc.'s PE ratio is 3.53x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions, Inc. is 2.28x versus 0.87x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.2.28x 8.29x $95.4M $20.5M OPHCOptimumBank Holdings, Inc.0.87x 3.53x $18.3M $4.3M
-
Which has Higher Returns FISI or PRK?
Park National Corp. has a net margin of 21.46% compared to Financial Institutions, Inc.'s net margin of 27.82%. Financial Institutions, Inc.'s return on equity of -4.84% beat Park National Corp.'s return on equity of 13.78%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.99 $823.9M PRKPark National Corp.-- $2.92 $1.4B -
What do Analysts Say About FISI or PRK?
Financial Institutions, Inc. has a consensus price target of $35.00, signalling upside risk potential of 12.04%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 13.85%. Given that Park National Corp. has higher upside potential than Financial Institutions, Inc., analysts believe Park National Corp. is more attractive than Financial Institutions, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 0 0 PRKPark National Corp.0 4 0 -
Is FISI or PRK More Risky?
Financial Institutions, Inc. has a beta of 0.723, which suggesting that the stock is 27.713% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.
-
Which is a Better Dividend Stock FISI or PRK?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.94%. Park National Corp. offers a yield of 2.7% to investors and pays a quarterly dividend of $2.32 per share. Financial Institutions, Inc. pays 47.96% of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FISI or PRK?
Financial Institutions, Inc. quarterly revenues are $95.4M, which are smaller than Park National Corp. quarterly revenues of $169.5M. Financial Institutions, Inc.'s net income of $20.5M is lower than Park National Corp.'s net income of $47.2M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 8.29x while Park National Corp.'s PE ratio is 14.60x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions, Inc. is 2.28x versus 3.89x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.2.28x 8.29x $95.4M $20.5M PRKPark National Corp.3.89x 14.60x $169.5M $47.2M
-
Which has Higher Returns FISI or TMP?
Tompkins Financial Corp. has a net margin of 21.46% compared to Financial Institutions, Inc.'s net margin of 19.46%. Financial Institutions, Inc.'s return on equity of -4.84% beat Tompkins Financial Corp.'s return on equity of 11.34%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.99 $823.9M TMPTompkins Financial Corp.-- $1.65 $1.3B -
What do Analysts Say About FISI or TMP?
Financial Institutions, Inc. has a consensus price target of $35.00, signalling upside risk potential of 12.04%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $77.00 which suggests that it could grow by 7.75%. Given that Financial Institutions, Inc. has higher upside potential than Tompkins Financial Corp., analysts believe Financial Institutions, Inc. is more attractive than Tompkins Financial Corp..
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 0 0 TMPTompkins Financial Corp.0 1 0 -
Is FISI or TMP More Risky?
Financial Institutions, Inc. has a beta of 0.723, which suggesting that the stock is 27.713% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.
-
Which is a Better Dividend Stock FISI or TMP?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.94%. Tompkins Financial Corp. offers a yield of 3.51% to investors and pays a quarterly dividend of $0.65 per share. Financial Institutions, Inc. pays 47.96% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FISI or TMP?
Financial Institutions, Inc. quarterly revenues are $95.4M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. Financial Institutions, Inc.'s net income of $20.5M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 8.29x while Tompkins Financial Corp.'s PE ratio is 12.12x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions, Inc. is 2.28x versus 2.20x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.2.28x 8.29x $95.4M $20.5M TMPTompkins Financial Corp.2.20x 12.12x $121.7M $23.7M
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