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NASDAQ: FISI
Financial Institutions Inc Stock

$25.60-0.08 (-0.31%)
Updated Feb 3, 2023
FISI Price
$25.60
Fair Value Price
$33.30
Market Cap
$392.58M
52 Week Low
$22.91
52 Week High
$34.43
P/E
6.35x
P/B
1x
P/S
1.79x
PEG
0.59x
Dividend Yield
4.53%
Revenue
$206.10M
Earnings
$64.10M
Gross Margin
100%
Operating Margin
38.99%
Profit Margin
30.4%
Debt to Equity
13.27
Operating Cash Flow
$151M
Beta
1.08
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

FISI Overview

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Zen Score

Industry Average (35)
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Due Diligence Checks

FISI ($25.60) is undervalued by 23.13% relative to our estimate of its Fair Value price of $33.30 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FISI ($25.60) is significantly undervalued by 23.13% relative to our estimate of its Fair Value price of $33.30 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FISI ($25.60) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FISI due diligence checks available for Premium users.

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FISI News

Valuation

FISI fair value

Fair Value of FISI stock based on Discounted Cash Flow (DCF)
Price
$25.60
Fair Value
$33.30
Undervalued by
23.13%
FISI ($25.60) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FISI ($25.60) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FISI ($25.60) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FISI price to earnings (PE)

For valuing profitable companies with steady earnings
Company
6.35x
Industry
19.64x
Market
15.09x
FISI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FISI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FISI price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1x
Industry
1.2x
FISI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FISI price to earnings growth (PEG)

For valuing profitable companies with growth potential
FISI is good value based... subscribe to Premium to read more.
PEG Value Valuation

FISI's financial health

Profit margin

Revenue
$51.4M
Net Income
$13.9M
Profit Margin
26.2%
FISI's Earnings (EBIT) of $80.35M... subscribe to Premium to read more.
Interest Coverage Financials
FISI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$5.6B
Liabilities
$5.2B
Debt to equity
13.27
FISI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FISI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$35.6M
Investing
-$66.6M
Financing
$39.8M
FISI's operating cash flow ($150.92M)... subscribe to Premium to read more.
Debt Coverage Financials

FISI vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FISI$392.58M-0.31%6.35x1.00x
JMSB$389.91M+1.02%N/A1.93x
FMAO$395.27M-0.89%11.48x1.41x
RBB$395.82M+0.58%6.42x0.84x
CSTR$388.11M+0.80%9.52x1.12x

Financial Institutions Stock FAQ

What is Financial Institutions's quote symbol?

NASDAQ: FISI) Financial Institutions trades on the NASDAQ under the ticker symbol FISI. Financial Institutions stock quotes can also be displayed as NASDAQ: FISI.

If you're new to stock investing, here's how to buy Financial Institutions stock.

What is the 52 week high and low for Financial Institutions (NASDAQ: FISI)?

(NASDAQ: FISI) Financial Institutions's 52-week high was $34.43, and its 52-week low was $22.91. It is currently -25.65% from its 52-week high and 11.74% from its 52-week low.

How much is Financial Institutions stock worth today?

(NASDAQ: FISI) Financial Institutions currently has 15,335,033 outstanding shares. With Financial Institutions stock trading at $25.60 per share, the total value of Financial Institutions stock (market capitalization) is $392.58M.

Financial Institutions stock was originally listed at a price of $15.00 in Jun 25, 1999. If you had invested in Financial Institutions stock at $15.00, your return over the last 23 years would have been 70.67%, for an annualized return of 2.35% (not including any dividends or dividend reinvestments).

How much is Financial Institutions's stock price per share?

(NASDAQ: FISI) Financial Institutions stock price per share is $25.60 today (as of Feb 3, 2023).

What is Financial Institutions's Market Cap?

(NASDAQ: FISI) Financial Institutions's market cap is $392.58M, as of Feb 6, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Financial Institutions's market cap is calculated by multiplying FISI's current stock price of $25.60 by FISI's total outstanding shares of 15,335,033.
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