NAS:FISI (USA)
Financial Institutions Inc
$
27.54
-0.01 (-0.04%)
| Volume: | 26,130 | Avg Vol (1m): | 33,186 |
| Market Cap $: | 440.21 Mil | Enterprise Value $: | 276.72 Mil |
| P/E (TTM): | 10.86 | P/B: | 1.10 |
| Earnings Power Value | 8.22 |
| Net Current Asset Value | 0 |
| Tangible Book | 19.72 |
| Projected FCF | 44.6 |
| Median P/S Value | 26.33 |
| Graham Number | 33.5 |
| Peter Lynch Value | 0 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
1Y (-%)
Manual of Stocks™ Web
Financial Strength : 3/10
GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.24 |
Cash-To-Debt ranked
lower than
82.93%
of
1617
companies
in the
Banks - Regional - US
industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
FISI:
0.24
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.14, Med: 0.43, Max: 3.4
Current: 0.24
|
| Equity-to-Asset | 0.10 |
Equity-to-Asset ranked
lower than
61.28%
of
1627
companies
in the
Banks - Regional - US
industry.
Industry Max: 1, Med: 0.11, Min: -11.05
FISI:
0.1
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.08, Med: 0.09, Max: 0.11
Current: 0.1
|
| Debt-to-Equity | 0.80 |
Debt-to-Equity ranked
lower than
60.23%
of
1393
companies
in the
Banks - Regional - US
industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
FISI:
0.8
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0.14, Med: 0.67, Max: 1.37
Current: 0.8
|
| Debt-to-EBITDA | 2.03 |
Debt-to-EBITDA ranked
lower than
67.87%
of
1416
companies
in the
Banks - Regional - US
industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
FISI:
2.03
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 2.03
Current: 2.03
|
| Beneish M-Score | -2.40 |
Not Manipulator
Manipulator
| |
| WACC vs ROIC % |
ROIC 0%
WACC 6.62%
| ||
Profitability & Growth : 3/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 25.97 |
Net Margin ranked
lower than
50.52%
of
1639
companies
in the
Banks - Regional - US
industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
FISI:
25.97
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: 15.09, Med: 22.37, Max: 25.97
Current: 25.97
|
| ROE % | 10.26 |
ROE ranked
higher than
50.24%
of
1638
companies
in the
Banks - Regional - US
industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
FISI:
10.26
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: 5.53, Med: 9.26, Max: 10.44
Current: 10.26
|
| ROA % | 0.98 |
ROA ranked
lower than
53.62%
of
1645
companies
in the
Banks - Regional - US
industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
FISI:
0.98
Ranked among companies with meaningful ROA only.
| |
| 3-Year Total Revenue Growth Rate | 8.10 |
3-Year Revenue Growth Rate ranked
lower than
50.56%
of
1513
companies
in the
Banks - Regional - US
industry.
Industry Max: 672.4, Med: 4.3, Min: -100
FISI:
3.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -6.8, Med: 3.25, Max: 18.7
Current: 3.8
|
| 3-Year EPS w/o NRI Growth Rate | 7.90 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
60.49%
of
1359
companies
in the
Banks - Regional - US
industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
FISI:
7.9
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 6.1, Max: 17.4
Current: 7.9
|
» FISI's 30-Y Financials
Financials (Next Earnings Date: 2019-07-26)
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Business Description
| Industry | Banks » Banks - Regional - US   NAICS : 522110   SIC : 6021 |
| Compare | NAS:BFC NAS:MOFG NAS:OLBK NAS:HTBI NAS:FFKT NAS:FBNK NAS:ACBI NAS:THFF NAS:CATC NAS:CCNE NYSE:FSB NAS:EQBK NAS:AROW NAS:FMNB NAS:AMNB NAS:IBCP NAS:CCBG NAS:BSRR NAS:ANCX NAS:RBB |
| Traded in other countries | |
| Address | 220 Liberty Street, Warsaw, NY, USA, 14569 |
| Financial Institutions Inc offers full range of banking and related financial services to consumer,commercial and municipal customers through its bank and nonbank subsidiaries. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 10.86 |
PE Ratio ranked
lower than
50.87%
of
1557
companies
in the
Banks - Regional - US
industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
FISI:
10.86
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 9.35, Med: 12.58, Max: 48.27
Current: 10.86
|
| PE Ratio without NRI | 10.86 |
PE without NRI ranked
lower than
50.26%
of
1532
companies
in the
Banks - Regional - US
industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
FISI:
10.86
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 9.35, Med: 12.58, Max: 48.27
Current: 10.86
|
| Price-to-Owner-Earnings | 9.35 |
Price-to-Owner-Earnings ranked
higher than
61.07%
of
989
companies
in the
Banks - Regional - US
industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
FISI:
9.35
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 5.63, Med: 11.98, Max: 22.24
Current: 9.35
|
| PB Ratio | 1.10 |
PB Ratio ranked
lower than
57.60%
of
1651
companies
in the
Banks - Regional - US
industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
FISI:
1.1
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.26, Med: 1.23, Max: 1.8
Current: 1.1
|
| PS Ratio | 2.79 |
PS Ratio ranked
lower than
50.88%
of
1649
companies
in the
Banks - Regional - US
industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
FISI:
2.79
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.45, Med: 2.62, Max: 3.7
Current: 2.79
|
| Price-to-Free-Cash-Flow | 7.32 |
Price-to-Free-Cash-Flow ranked
higher than
62.36%
of
882
companies
in the
Banks - Regional - US
industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
FISI:
7.32
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 2.46, Med: 8.61, Max: 18.88
Current: 7.32
|
| Price-to-Operating-Cash-Flow | 6.93 |
Price-to-Operating-Cash-Flow ranked
higher than
60.55%
of
948
companies
in the
Banks - Regional - US
industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
FISI:
6.93
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.71, Med: 7.5, Max: 13.55
Current: 6.93
|
| EV-to-Revenue | 1.77 |
EV-to-Revenue ranked
higher than
77.58%
of
1325
companies
in the
Banks - Regional - US
industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
FISI:
1.77
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: -4.8, Med: 1.7, Max: 4
Current: 1.77
|
| Shiller PE Ratio | 13.79 |
Shiller PE Ratio ranked
higher than
54.76%
of
672
companies
in the
Banks - Regional - US
industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
FISI:
13.79
Ranked among companies with meaningful Shiller PE Ratio only.
|
Shiller PE Ratio range over the past 10 years
Min: 3, Med: 20.68, Max: 28.24
Current: 13.79
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 3.56 |
Trailing Dividend Yield ranked
higher than
56.05%
of
2587
companies
in the
Banks - Regional - US
industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
FISI:
3.56
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 2.01, Med: 3.02, Max: 16.36
Current: 3.56
|
| Dividend Payout Ratio | 0.38 |
Dividend Payout Ratio ranked
lower than
61.62%
of
1420
companies
in the
Banks - Regional - US
industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
FISI:
0.38
Ranked among companies with meaningful Dividend Payout Ratio only.
|
Dividend Payout Ratio range over the past 10 years
Min: 0.25, Med: 0.39, Max: 0.42
Current: 0.38
|
| 3-Year Dividend Growth Rate (Per Share) | 6.30 |
3-Year Dividend Growth Rate ranked
lower than
61.36%
of
880
companies
in the
Banks - Regional - US
industry.
Industry Max: 228.7, Med: 6, Min: -100
FISI:
6.3
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
|
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 5.95, Max: 53.6
Current: 6.3
|
| Forward Dividend Yield % | 3.63 |
Forward Dividend Yield ranked
higher than
51.10%
of
2534
companies
in the
Banks - Regional - US
industry.
Industry Max: 98, Med: 3.16, Min: 0.01
FISI:
3.63
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 4.48 |
Yield-on-Cost (5y) ranked
higher than
59.59%
of
2561
companies
in the
Banks - Regional - US
industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
FISI:
4.48
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 2.53, Med: 3.8, Max: 20.58
Current: 4.48
|
| 3-Year Share Buyback Rate | -3.90 |
3-Year Share Buyback Rate ranked
lower than
59.37%
of
1137
companies
in the
Banks - Regional - US
industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
FISI:
-3.9
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -8.5, Med: -0.75, Max: 1.6
Current: -3.9
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 1.40 |
Price-to-Tangible-Book ranked
lower than
66.03%
of
1669
companies
in the
Banks - Regional - US
industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
FISI:
1.4
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 0.82, Med: 1.69, Max: 3.84
Current: 1.4
|
| Price-to-Projected-FCF | 0.62 |
Price-to-Intrinsic-Value-Projected-FCF ranked
higher than
55.43%
of
958
companies
in the
Banks - Regional - US
industry.
Industry Max: 460, Med: 0.76, Min: 0.01
FISI:
0.62
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.2, Med: 0.59, Max: 0.87
Current: 0.62
|
| Price-to-Median-PS-Value | 1.05 |
Price-to-Median-PS-Value ranked
lower than
67.78%
of
1524
companies
in the
Banks - Regional - US
industry.
Industry Max: 186, Med: 1.02, Min: 0.03
FISI:
1.05
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.38, Med: 1.01, Max: 1.76
Current: 1.05
|
| Price-to-Graham-Number | 0.82 |
Price-to-Graham-Number ranked
lower than
53.66%
of
1476
companies
in the
Banks - Regional - US
industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
FISI:
0.82
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 0.68, Med: 1.01, Max: 2.43
Current: 0.82
|
More Statistics
| Revenue (TTM) (Mil) $ | 160.78 |
| EPS (TTM) $ | 2.53 |
| Beta | 1.02 |
| Volatility % | 25.31 |
| 52-Week Range $ | 24.49 - 34.35 |
| Shares Outstanding (Mil) | 15.98 |
Analyst Estimate
Piotroski F-Score Details
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