FINANCIAL INSTITUTIONS INC(NASDAQ:FISI) stock Fundamental Analysis

Fundamental Rating

Overall FISI gets a fundamental rating of 3 out of 10. We evaluated FISI against 404 industry peers in the Banks industry. FISI may be in some trouble as it scores bad on both profitability and health. FISI is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FISI was profitable.

In the past year FISI had a positive cash flow from operations.

FISI had positive earnings in 4 of the past 5 years.

FISI had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

FISI has a Return On Assets (0.80%) which is comparable to the rest of the industry.

FISI has a Return On Equity of 9.89%. This is in the better half of the industry: FISI outperforms 70.35% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.8%
ROE	9.89%
ROIC	N/A

ROA(3y)0.44%

ROA(5y)0.69%

ROE(3y)6.63%

ROE(5y)8.57%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FISI's Profit Margin of 22.33% is in line compared to the rest of the industry. FISI outperforms 50.50% of its industry peers.

FISI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.33%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.

FISI has more shares outstanding than it did 1 year ago.

FISI has more shares outstanding than it did 5 years ago.

The debt/assets ratio for FISI is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.15 indicates that FISI is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.15, FISI is in the better half of the industry, outperforming 63.07% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC18.45%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 36.87% over the past year.

Measured over the past years, FISI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.41% on average per year.

Looking at the last year, FISI shows a very negative growth in Revenue. The Revenue has decreased by -45.36% in the last year.

Measured over the past years, FISI shows a decrease in Revenue. The Revenue has been decreasing by -7.25% on average per year.

EPS 1Y (TTM)36.87%

EPS 3Y-0.99%

EPS 5Y9.41%

EPS Q2Q%146.43%

Revenue 1Y (TTM)-45.36%

Revenue growth 3Y-16.61%

Revenue growth 5Y-7.25%

Sales Q2Q%4.38%

3.2 Future

FISI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.64% yearly.

The Revenue is expected to grow by 14.36% on average over the next years. This is quite good.

EPS Next Y-27.24%

EPS Next 2Y-8.64%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year21.32%

Revenue Next 2Y14.36%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.18, the valuation of FISI can be described as very cheap.

Based on the Price/Earnings ratio, FISI is valued cheaper than 95.73% of the companies in the same industry.

FISI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

The Price/Forward Earnings ratio is 8.49, which indicates a very decent valuation of FISI.

FISI's Price/Forward Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 88.19% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.68. FISI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.18
Fwd PE	8.49

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as FISI's earnings are expected to decrease with -8.64% in the coming years.

PEG (NY)N/A

PEG (5Y)0.66

EPS Next 2Y-8.64%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.25%, FISI is a good candidate for dividend investing.

FISI's Dividend Yield is rather good when compared to the industry average which is at 3.15. FISI pays more dividend than 82.66% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.29, FISI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.25%

5.2 History

The dividend of FISI has a limited annual growth rate of 4.51%.

FISI has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)4.51%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FISI pays out 40.24% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP40.24%

EPS Next 2Y-8.64%

EPS Next 3YN/A

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FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (2/21/2025, 8:18:21 PM)

After market: 28.66 0 (0%)

28.66

-0.5 (-1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-23 2025-04-23/amc

Inst Owners81.08%

Inst Owner Change133.56%

Ins Owners2.38%

Ins Owner Change2.53%

Market Cap558.01M

Analysts77.78

Price Target33.66 (17.45%)

Short Float %1.65%

Short Ratio2.11

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.25%

Yearly Dividend1.29

Dividend Growth(5Y)4.51%

DP40.24%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-6.31%

Min EPS beat(2)-20.98%

Max EPS beat(2)8.36%

EPS beat(4)2

Avg EPS beat(4)-19.76%

Min EPS beat(4)-81.64%

Max EPS beat(4)15.22%

EPS beat(8)4

Avg EPS beat(8)-9.07%

EPS beat(12)7

Avg EPS beat(12)-3.82%

EPS beat(16)11

Avg EPS beat(16)5.86%

Revenue beat(2)0

Avg Revenue beat(2)-7.92%

Min Revenue beat(2)-10.42%

Max Revenue beat(2)-5.42%

Revenue beat(4)0

Avg Revenue beat(4)-4.85%

Min Revenue beat(4)-10.42%

Max Revenue beat(4)-0.56%

Revenue beat(8)1

Avg Revenue beat(8)-0.63%

Revenue beat(12)5

Avg Revenue beat(12)9.5%

Revenue beat(16)9

Avg Revenue beat(16)15.01%

PT rev (1m)2.15%

PT rev (3m)14.11%

EPS NQ rev (1m)-445.04%

EPS NQ rev (3m)-452.18%

EPS NY rev (1m)-2.5%

EPS NY rev (3m)5.31%

Revenue NQ rev (1m)1.61%

Revenue NQ rev (3m)0.77%

Revenue NY rev (1m)2.57%

Revenue NY rev (3m)13.29%

Valuation

		Industry Rank	Sector Rank
PE	6.18
Fwd PE	8.49
P/S	2.52
P/FCF	N/A
P/OCF	232.02
P/B	1.12
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)4.64

EY16.19%

EPS(NY)3.38

Fwd EY11.78%

FCF(TTM)-0.18

FCFYN/A

OCF(TTM)0.12

OCFY0.43%

SpS11.38

BVpS25.7

TBVpS22.57

PEG (NY)N/A

PEG (5Y)0.66

Profitability

		Industry Rank	Sector Rank
ROA	0.8%
ROE	9.89%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.33%
GM	N/A
FCFM	N/A

ROA(3y)0.44%

ROA(5y)0.69%

ROE(3y)6.63%

ROE(5y)8.57%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	76.04%
Cap/Sales	2.65%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.45%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)36.87%

EPS 3Y-0.99%

EPS 5Y9.41%

EPS Q2Q%146.43%

EPS Next Y-27.24%

EPS Next 2Y-8.64%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-45.36%

Revenue growth 3Y-16.61%

Revenue growth 5Y-7.25%

Sales Q2Q%4.38%

Revenue Next Year21.32%

Revenue Next 2Y14.36%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-104.92%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-96.78%

OCF growth 3YN/A

OCF growth 5YN/A

FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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