Financial Institutions In... (FISI)
Financial Institutions Statistics
Share Statistics
Financial Institutions has 19.47M shares outstanding. The number of shares has increased by 26.39% in one year.
| Shares Outstanding | 19.47M |
| Shares Change (YoY) | 26.39% |
| Shares Change (QoQ) | 25.87% |
| Owned by Institutions (%) | 77.75% |
| Shares Floating | 18.88M |
| Failed to Deliver (FTD) Shares | 22 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 159.65K, so 0.82% of the outstanding shares have been sold short.
| Short Interest | 159.65K |
| Short % of Shares Out | 0.82% |
| Short % of Float | 0.84% |
| Short Ratio (days to cover) | 1.42 |
Valuation Ratios
The PE ratio is 6.52 and the forward PE ratio is 7.92. Financial Institutions's PEG ratio is -0.57.
| PE Ratio | 6.52 |
| Forward PE | 7.92 |
| PS Ratio | 1.64 |
| Forward PS | 2.1 |
| PB Ratio | 0.72 |
| P/FCF Ratio | 41.45 |
| PEG Ratio | -0.57 |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Financial Institutions Inc..
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 0.04, with a Debt / Equity ratio of 0.75.
| Current Ratio | 0.04 |
| Quick Ratio | 0.04 |
| Debt / Equity | 0.75 |
| Total Debt / Capitalization | 43.02 |
| Cash Flow / Debt | 0.03 |
| Interest Coverage | 0.51 |
Financial Efficiency
Return on equity (ROE) is 0.11% and return on capital (ROIC) is 6.13%.
| Return on Equity (ROE) | 0.11% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 6.13% |
| Revenue Per Employee | $320,958.33 |
| Profits Per Employee | $80,551.28 |
| Employee Count | 624 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 12.79M |
| Effective Tax Rate | 0.2 |
Stock Price Statistics
The stock price has increased by 53.48% in the last 52 weeks. The beta is 0.93, so Financial Institutions's price volatility has been higher than the market average.
| Beta | 0.93 |
| 52-Week Price Change | 53.48% |
| 50-Day Moving Average | 27.48 |
| 200-Day Moving Average | 24.38 |
| Relative Strength Index (RSI) | 50.52 |
| Average Volume (20 Days) | 151.85K |
Income Statement
In the last 12 months, Financial Institutions had revenue of 200.28M and earned 50.26M in profits. Earnings per share was 3.17.
| Revenue | 200.28M |
| Gross Profit | 200.28M |
| Operating Income | 61.38M |
| Net Income | 50.26M |
| EBITDA | 0 |
| EBIT | 61.38M |
| Earnings Per Share (EPS) | 3.17 |
Balance Sheet
The company has 124.44M in cash and 343.32M in debt, giving a net cash position of -218.88M.
| Cash & Cash Equivalents | 124.44M |
| Total Debt | 343.32M |
| Net Cash | -218.88M |
| Retained Earnings | 451.69M |
| Total Assets | 6.16B |
| Working Capital | 1.3B |
Cash Flow
In the last 12 months, operating cash flow was 10.89M and capital expenditures -2.99M, giving a free cash flow of 7.9M.
| Operating Cash Flow | 10.89M |
| Capital Expenditures | -2.99M |
| Free Cash Flow | 7.9M |
| FCF Per Share | 0.51 |
Margins
Gross margin is 100%, with operating and profit margins of 30.65% and 25.1%.
| Gross Margin | 100% |
| Operating Margin | 30.65% |
| Pretax Margin | 31.48% |
| Profit Margin | 25.1% |
| EBITDA Margin | n/a |
| EBIT Margin | 30.65% |
| FCF Margin | 3.95% |
Dividends & Yields
FISI pays an annual dividend of $1.51, which amounts to a dividend yield of 4.36%.
| Dividend Per Share | $1.51 |
| Dividend Yield | 4.36% |
| Dividend Growth (YoY) | 3.33% |
| Payout Ratio | -90.96% |
| Earnings Yield | 11.32% |
| FCF Yield | 1.45% |
Analyst Forecast
The average price target for FISI is $33, which is 17.8% higher than the current price. The consensus rating is "Hold".
| Price Target | $33 |
| Price Target Difference | 17.8% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.5 |
| Piotroski F-Score | 5 |