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FISI Quote, Financials, Valuation and Earnings
Last price:
$33.74
Seasonality move
:
3.59%
Day range:
$33.26 - $33.91
52-week range:
$20.97 - $35.47
Dividend yield:
3.68%
P/E ratio:
9.35x
P/S ratio:
1.83x
P/B ratio:
1.10x
Volume:
310.2K
Avg. volume:
170.1K
1-year change:
15.71%
Market cap:
$668M
Revenue:
$374M
EPS (TTM):
$3.61
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.
|
$63M | $0.95 | -30.85% | 13.01% | $37.00 |
|
ABCB
Ameris Bancorp
|
$310.5M | $1.58 | -16.01% | 22.33% | $90.07 |
|
CATY
Cathay General Bancorp
|
$211.8M | $1.23 | -36.85% | 23.45% | $54.80 |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$73.1M | $0.79 | -12.69% | 62.42% | $32.67 |
|
FRBA
First Bank (Hamilton, New Jersey)
|
$37.4M | $0.49 | -34.94% | 25.24% | $19.75 |
|
SHBI
Shore Bancshares, Inc.
|
$59.9M | $0.48 | -29.88% | 9.72% | $21.13 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
$33.74 | $37.00 | $668M | 9.35x | $0.31 | 3.68% | 1.83x |
|
ABCB
Ameris Bancorp
|
$83.73 | $90.07 | $5.7B | 13.94x | $0.20 | 0.96% | 3.53x |
|
CATY
Cathay General Bancorp
|
$53.51 | $54.80 | $3.6B | 11.78x | $0.34 | 2.54% | 2.68x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$29.98 | $32.67 | $883.6M | 12.35x | $0.18 | 2.4% | 1.71x |
|
FRBA
First Bank (Hamilton, New Jersey)
|
$16.88 | $19.75 | $418.6M | 9.74x | $0.09 | 1.6% | 1.72x |
|
SHBI
Shore Bancshares, Inc.
|
$19.71 | $21.13 | $658.6M | 11.07x | $0.12 | 2.44% | 1.92x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
112.25% | 0.529 | 49.05% | 0.00x |
|
ABCB
Ameris Bancorp
|
14.52% | 1.152 | 13.7% | 0.00x |
|
CATY
Cathay General Bancorp
|
5.58% | 0.853 | 5.31% | 0.00x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
23.61% | 0.786 | 32.5% | 0.00x |
|
FRBA
First Bank (Hamilton, New Jersey)
|
37.93% | 0.407 | 66.4% | 0.00x |
|
SHBI
Shore Bancshares, Inc.
|
14.51% | 1.140 | 16.94% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
FISI
Financial Institutions, Inc.
|
-- | $23.5M | 10.48% | 15.93% | 59.41% | -$6.9M |
|
ABCB
Ameris Bancorp
|
-- | $141.1M | 9.31% | 10.52% | 60.46% | $100.5M |
|
CATY
Cathay General Bancorp
|
-- | $113.5M | 9.83% | 10.92% | 69.68% | $150.1M |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
-- | $49.6M | 7.02% | 9.18% | 64.87% | $4.9M |
|
FRBA
First Bank (Hamilton, New Jersey)
|
-- | $16.6M | 5.82% | 10.29% | 63.11% | $16.3M |
|
SHBI
Shore Bancshares, Inc.
|
-- | $20.8M | 8.58% | 10.53% | 56.85% | $27.7M |
Financial Institutions, Inc. vs. Competitors
-
Which has Higher Returns FISI or ABCB?
Ameris Bancorp has a net margin of 21.03% compared to Financial Institutions, Inc.'s net margin of 25.81%. Financial Institutions, Inc.'s return on equity of 15.93% beat Ameris Bancorp's return on equity of 10.52%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.96 $269.6M ABCBAmeris Bancorp-- $1.59 $4.8B -
What do Analysts Say About FISI or ABCB?
Financial Institutions, Inc. has a consensus price target of $37.00, signalling upside risk potential of 9.66%. On the other hand Ameris Bancorp has an analysts' consensus of $90.07 which suggests that it could grow by 7.57%. Given that Financial Institutions, Inc. has higher upside potential than Ameris Bancorp, analysts believe Financial Institutions, Inc. is more attractive than Ameris Bancorp.
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 1 0 ABCBAmeris Bancorp2 2 0 -
Is FISI or ABCB More Risky?
Financial Institutions, Inc. has a beta of 0.701, which suggesting that the stock is 29.91% less volatile than S&P 500. In comparison Ameris Bancorp has a beta of 0.993, suggesting its less volatile than the S&P 500 by 0.697%.
-
Which is a Better Dividend Stock FISI or ABCB?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.68%. Ameris Bancorp offers a yield of 0.96% to investors and pays a quarterly dividend of $0.20 per share. Financial Institutions, Inc. pays 34.35% of its earnings as a dividend. Ameris Bancorp pays out 13.33% 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 ABCB?
Financial Institutions, Inc. quarterly revenues are $95M, which are smaller than Ameris Bancorp quarterly revenues of $419.9M. Financial Institutions, Inc.'s net income of $20M is lower than Ameris Bancorp's net income of $108.4M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 9.35x while Ameris Bancorp's PE ratio is 13.94x. 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 1.83x versus 3.53x for Ameris Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.1.83x 9.35x $95M $20M ABCBAmeris Bancorp3.53x 13.94x $419.9M $108.4M
-
Which has Higher Returns FISI or CATY?
Cathay General Bancorp has a net margin of 21.03% compared to Financial Institutions, Inc.'s net margin of 25.11%. Financial Institutions, Inc.'s return on equity of 15.93% beat Cathay General Bancorp's return on equity of 10.92%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.96 $269.6M CATYCathay General Bancorp-- $1.33 $3.1B -
What do Analysts Say About FISI or CATY?
Financial Institutions, Inc. has a consensus price target of $37.00, signalling upside risk potential of 9.66%. On the other hand Cathay General Bancorp has an analysts' consensus of $54.80 which suggests that it could grow by 2.41%. Given that Financial Institutions, Inc. has higher upside potential than Cathay General Bancorp, analysts believe Financial Institutions, Inc. is more attractive than Cathay General Bancorp.
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 1 0 CATYCathay General Bancorp1 3 0 -
Is FISI or CATY More Risky?
Financial Institutions, Inc. has a beta of 0.701, which suggesting that the stock is 29.91% less volatile than S&P 500. In comparison Cathay General Bancorp has a beta of 0.867, suggesting its less volatile than the S&P 500 by 13.312%.
-
Which is a Better Dividend Stock FISI or CATY?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.68%. Cathay General Bancorp offers a yield of 2.54% to investors and pays a quarterly dividend of $0.34 per share. Financial Institutions, Inc. pays 34.35% of its earnings as a dividend. Cathay General Bancorp pays out 29.96% 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 CATY?
Financial Institutions, Inc. quarterly revenues are $95M, which are smaller than Cathay General Bancorp quarterly revenues of $360.5M. Financial Institutions, Inc.'s net income of $20M is lower than Cathay General Bancorp's net income of $90.5M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 9.35x while Cathay General Bancorp's PE ratio is 11.78x. 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 1.83x versus 2.68x for Cathay General Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.1.83x 9.35x $95M $20M CATYCathay General Bancorp2.68x 11.78x $360.5M $90.5M
-
Which has Higher Returns FISI or CCNE?
CNB Financial Corp. (Pennsylvania) has a net margin of 21.03% compared to Financial Institutions, Inc.'s net margin of 26.28%. Financial Institutions, Inc.'s return on equity of 15.93% beat CNB Financial Corp. (Pennsylvania)'s return on equity of 9.18%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.96 $269.6M CCNECNB Financial Corp. (Pennsylvania)-- $1.11 $1.1B -
What do Analysts Say About FISI or CCNE?
Financial Institutions, Inc. has a consensus price target of $37.00, signalling upside risk potential of 9.66%. On the other hand CNB Financial Corp. (Pennsylvania) has an analysts' consensus of $32.67 which suggests that it could grow by 6.74%. Given that Financial Institutions, Inc. has higher upside potential than CNB Financial Corp. (Pennsylvania), analysts believe Financial Institutions, Inc. is more attractive than CNB Financial Corp. (Pennsylvania).
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 1 0 CCNECNB Financial Corp. (Pennsylvania)2 1 0 -
Is FISI or CCNE More Risky?
Financial Institutions, Inc. has a beta of 0.701, which suggesting that the stock is 29.91% less volatile than S&P 500. In comparison CNB Financial Corp. (Pennsylvania) has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.053%.
-
Which is a Better Dividend Stock FISI or CCNE?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.68%. CNB Financial Corp. (Pennsylvania) offers a yield of 2.4% to investors and pays a quarterly dividend of $0.18 per share. Financial Institutions, Inc. pays 34.35% of its earnings as a dividend. CNB Financial Corp. (Pennsylvania) pays out 28.73% 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 CCNE?
Financial Institutions, Inc. quarterly revenues are $95M, which are smaller than CNB Financial Corp. (Pennsylvania) quarterly revenues of $128M. Financial Institutions, Inc.'s net income of $20M is lower than CNB Financial Corp. (Pennsylvania)'s net income of $33.6M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 9.35x while CNB Financial Corp. (Pennsylvania)'s PE ratio is 12.35x. 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 1.83x versus 1.71x for CNB Financial Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.1.83x 9.35x $95M $20M CCNECNB Financial Corp. (Pennsylvania)1.71x 12.35x $128M $33.6M
-
Which has Higher Returns FISI or FRBA?
First Bank (Hamilton, New Jersey) has a net margin of 21.03% compared to Financial Institutions, Inc.'s net margin of 19.1%. Financial Institutions, Inc.'s return on equity of 15.93% beat First Bank (Hamilton, New Jersey)'s return on equity of 10.29%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.96 $269.6M FRBAFirst Bank (Hamilton, New Jersey)-- $0.49 $714.6M -
What do Analysts Say About FISI or FRBA?
Financial Institutions, Inc. has a consensus price target of $37.00, signalling upside risk potential of 9.66%. On the other hand First Bank (Hamilton, New Jersey) has an analysts' consensus of $19.75 which suggests that it could grow by 17%. Given that First Bank (Hamilton, New Jersey) has higher upside potential than Financial Institutions, Inc., analysts believe First Bank (Hamilton, New Jersey) is more attractive than Financial Institutions, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 1 0 FRBAFirst Bank (Hamilton, New Jersey)1 0 0 -
Is FISI or FRBA More Risky?
Financial Institutions, Inc. has a beta of 0.701, which suggesting that the stock is 29.91% less volatile than S&P 500. In comparison First Bank (Hamilton, New Jersey) has a beta of 0.716, suggesting its less volatile than the S&P 500 by 28.38%.
-
Which is a Better Dividend Stock FISI or FRBA?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.68%. First Bank (Hamilton, New Jersey) offers a yield of 1.6% to investors and pays a quarterly dividend of $0.09 per share. Financial Institutions, Inc. pays 34.35% of its earnings as a dividend. First Bank (Hamilton, New Jersey) pays out 15.52% 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 FRBA?
Financial Institutions, Inc. quarterly revenues are $95M, which are larger than First Bank (Hamilton, New Jersey) quarterly revenues of $64.5M. Financial Institutions, Inc.'s net income of $20M is higher than First Bank (Hamilton, New Jersey)'s net income of $12.3M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 9.35x while First Bank (Hamilton, New Jersey)'s PE ratio is 9.74x. 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 1.83x versus 1.72x for First Bank (Hamilton, New Jersey). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FISIFinancial Institutions, Inc.1.83x 9.35x $95M $20M FRBAFirst Bank (Hamilton, New Jersey)1.72x 9.74x $64.5M $12.3M
-
Which has Higher Returns FISI or SHBI?
Shore Bancshares, Inc. has a net margin of 21.03% compared to Financial Institutions, Inc.'s net margin of 17.89%. Financial Institutions, Inc.'s return on equity of 15.93% beat Shore Bancshares, Inc.'s return on equity of 10.53%.
Company Gross Margin Earnings Per Share Invested Capital FISIFinancial Institutions, Inc.-- $0.96 $269.6M SHBIShore Bancshares, Inc.-- $0.48 $690M -
What do Analysts Say About FISI or SHBI?
Financial Institutions, Inc. has a consensus price target of $37.00, signalling upside risk potential of 9.66%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $21.13 which suggests that it could grow by 7.18%. Given that Financial Institutions, Inc. has higher upside potential than Shore Bancshares, Inc., analysts believe Financial Institutions, Inc. is more attractive than Shore Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FISIFinancial Institutions, Inc.0 1 0 SHBIShore Bancshares, Inc.1 1 0 -
Is FISI or SHBI More Risky?
Financial Institutions, Inc. has a beta of 0.701, which suggesting that the stock is 29.91% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.921, suggesting its less volatile than the S&P 500 by 7.905%.
-
Which is a Better Dividend Stock FISI or SHBI?
Financial Institutions, Inc. has a quarterly dividend of $0.31 per share corresponding to a yield of 3.68%. Shore Bancshares, Inc. offers a yield of 2.44% to investors and pays a quarterly dividend of $0.12 per share. Financial Institutions, Inc. pays 34.35% of its earnings as a dividend. Shore Bancshares, Inc. pays out 26.97% 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 SHBI?
Financial Institutions, Inc. quarterly revenues are $95M, which are larger than Shore Bancshares, Inc. quarterly revenues of $88.8M. Financial Institutions, Inc.'s net income of $20M is higher than Shore Bancshares, Inc.'s net income of $15.9M. Notably, Financial Institutions, Inc.'s price-to-earnings ratio is 9.35x while Shore Bancshares, Inc.'s PE ratio is 11.07x. 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 1.83x versus 1.92x for Shore Bancshares, 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.1.83x 9.35x $95M $20M SHBIShore Bancshares, Inc.1.92x 11.07x $88.8M $15.9M
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