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Financial Institutions (Financial Institutions) PS Ratio : 1.28 (As of Apr. 28, 2024)


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What is Financial Institutions PS Ratio?

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Financial Institutions's share price is $17.60. Financial Institutions's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $13.71. Hence, Financial Institutions's PS Ratio for today is 1.28.

The historical rank and industry rank for Financial Institutions's PS Ratio or its related term are showing as below:

FISI' s PS Ratio Range Over the Past 10 Years
Min: 1.13   Med: 2.73   Max: 3.7
Current: 1.28

During the past 13 years, Financial Institutions's highest PS Ratio was 3.70. The lowest was 1.13. And the median was 2.73.

FISI's PS Ratio is ranked better than
81.3% of 1449 companies
in the Banks industry
Industry Median: 2.39 vs FISI: 1.28

Financial Institutions's Revenue per Sharefor the three months ended in Dec. 2023 was $3.51. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $13.71.

Warning Sign:

Financial Institutions Inc revenue growth has slowed down over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Financial Institutions was -0.10% per year. During the past 3 years, the average Revenue per Share Growth Rate was 6.60% per year. During the past 5 years, the average Revenue per Share Growth Rate was 7.40% per year. During the past 10 years, the average Revenue per Share Growth Rate was 5.40% per year.

During the past 13 years, Financial Institutions's highest 3-Year average Revenue per Share Growth Rate was 18.70% per year. The lowest was -6.80% per year. And the median was 4.20% per year.

Back to Basics: PS Ratio


Financial Institutions PS Ratio Historical Data

The historical data trend for Financial Institutions's PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Financial Institutions PS Ratio Chart

Financial Institutions Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.03 1.99 2.54 1.77 1.55

Financial Institutions Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.77 1.38 1.13 1.23 1.55

Competitive Comparison of Financial Institutions's PS Ratio

For the Banks - Regional subindustry, Financial Institutions's PS Ratio, along with its competitors' market caps and PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Financial Institutions's PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Financial Institutions's PS Ratio distribution charts can be found below:

* The bar in red indicates where Financial Institutions's PS Ratio falls into.



Financial Institutions PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Financial Institutions's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=17.60/13.714
=1.28

Financial Institutions's Share Price of today is $17.60.
Financial Institutions's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $13.71.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


Financial Institutions  (NAS:FISI) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Financial Institutions PS Ratio Related Terms

Thank you for viewing the detailed overview of Financial Institutions's PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Financial Institutions (Financial Institutions) Business Description

Traded in Other Exchanges
Address
220 Liberty Street, Warsaw, NY, USA, 14569
Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through the following segments: The Banking segment which includes all of the company's retail and commercial banking operations and All Other includes the activities of SDN, a full-service insurance agency that provides a broad range of insurance services to both personal and business clients.
Executives
Donald Boswell director WESTERN NY PUBLIC BROADCASTING ASSOC, HORIZONS PLAZA 140 LOWER TERRACE, BUFFALO NY 14202
Susan R Holliday director 220 LIBERTY ST, WARSAW NY 14569
Samuel M Gullo director 220 LIBERTY ST, WARSAW NY 14569
Robert N Latella director 220 LIBERTY, WARSAW NY 14569
Robert M Glaser director 220 LIBERTY STREET, WARSAW NY 14569
Dorn Andrew W Jr director 2421 MAIN STREET, BUFFALO NY 14214
Plants William Jack Ii officer: Chief Financial Officer 220 LIBERTY STREET, WARSAW NY 14569
Burruano Samuel J Jr officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Martin Kearney Birmingham officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Gary A. Pacos officer: Chief Risk Officer 220 LIBERTY STREET, WARSAW NY 14569
Bruce W Harting director 1185 PARK AVENUE, 6D, NEW YORK NY 10128
Laurie R Collins officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Mark Zupan director 1041 PITTSFORD VICTOR ROAD, PITTSFORD NY 14534
Mauricio F Riveros director 220 LIBERTY STREET, WARSAW NY 14569
Kevin B Quinn officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569