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Financial Institutions Inc (FISI) Files 10-K for the Fiscal Year Ended on December 31, 2017

March 14, 2018 | About:

Financial Institutions Inc (NASDAQ:FISI) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Financial Institutions Inc offers full range of banking and related financial services to consumer,commercial and municipal customers through its bank and nonbank subsidiaries. Financial Institutions Inc has a market cap of $508.800 million; its shares were traded at around $31.95 with a P/E ratio of 15.06 and P/S ratio of 3.26. The dividend yield of Financial Institutions Inc stocks is 2.66%. Financial Institutions Inc had annual average EBITDA growth of 3.80% over the past five years.

For the last quarter Financial Institutions Inc reported a revenue of $38.7 million, compared with the revenue of $35.81 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $147.3 million, an increase of 6.4% from last year. For the last five years Financial Institutions Inc had an average revenue growth rate of 5.5% a year.

The reported diluted earnings per share was $2.13 for the year, an increase of 1.4% from previous year. Over the last five years Financial Institutions Inc had an EPS growth rate of 5.7% a year. The Financial Institutions Inc had a decent operating margin of 29.5%, compared with the operating margin of 31.88% a year before. The 10-year historical median operating margin of Financial Institutions Inc is 31.07%. The profitability rank of the company is 5 (out of 10).

At the end of the fiscal year, Financial Institutions Inc has the cash and cash equivalents of $99.2 million, compared with $71.3 million in the previous year. The long term debt was $39.1 million, compared with $39.1 million in the previous year. The interest coverage to the debt is 2.5, which is not a favorable level. Financial Institutions Inc has a financial strength rank of 4 (out of 10).

At the current stock price of $31.95, Financial Institutions Inc is traded at 21.4% premium to its historical median P/S valuation band of $26.32. The P/S ratio of the stock is 3.26, while the historical median P/S ratio is 2.69. The stock lost 1.38% during the past 12 months.

For the complete 20-year historical financial data of FISI, click here.


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