Business Description
Financial Institutions Inc
NAICS : 522110
SIC : 6021
220 Liberty Street, Warsaw, NY, USA, 14569
Description
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.
Financial Strength
4/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Cash-To-Debt | 0.6 | |||||
Equity-to-Asset | 0.08 | |||||
Debt-to-Equity | 0.43 | |||||
Debt-to-EBITDA | 0.89 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 5/9 | |||||
Altman Z-Score | 0 | |||||
Beneish M-Score | -2.94 | |||||
WACC vs ROIC |
Growth Rank
8/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 8.1 | |||||
3-Year EPS without NRI Growth Rate | 26 | |||||
3-Year FCF Growth Rate | 0.7 | |||||
3-Year Book Growth Rate | 9.2 |
Momentum Rank
7/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
5-Day RSI | 84.26 | |||||
9-Day RSI | 72.62 | |||||
14-Day RSI | 64.61 | |||||
6-1 Month Momentum % | -18.81 | |||||
12-1 Month Momentum % | -21.73 |
Liquidity Ratio
Name | Current | Vs Industry | Vs History |
---|
Dividend & Buy Back
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Dividend Yield % | 4.04 | |||||
Dividend Payout Ratio | 0.27 | |||||
3-Year Dividend Growth Rate | 4 | |||||
Forward Dividend Yield % | 4.19 | |||||
5-Year Yield-on-Cost % | 5.43 | |||||
3-Year Average Share Buyback Ratio | 0.4 |
Profitability Rank
7/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
Net Margin % | 32.93 | |||||
ROE % | 13.98 | |||||
ROA % | 1.22 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
10/10
Name | Current | Vs Industry | Vs History | |||
---|---|---|---|---|---|---|
PE Ratio | 6.61 | |||||
PE Ratio without NRI | 6.61 | |||||
Shiller PE Ratio | 9.61 | |||||
Price-to-Owner-Earnings | 3.78 | |||||
PEG Ratio | 0.82 | |||||
PS Ratio | 2.13 | |||||
PB Ratio | 1.02 | |||||
Price-to-Tangible-Book | 1.27 | |||||
Price-to-Free-Cash-Flow | 3.72 | |||||
Price-to-Operating-Cash-Flow | 3.51 | |||||
EV-to-Revenue | 2.52 | |||||
EV-to-FCF | 4.36 | |||||
Price-to-Projected-FCF | 0.44 | |||||
Price-to-DCF (Earnings Based) | 0.37 | |||||
Price-to-DCF (FCF Based) | 0.27 | |||||
Price-to-Median-PS-Value | 0.76 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.03 | |||||
Price-to-Graham-Number | 0.61 | |||||
Forward Rate of Return (Yacktman) % | 21.17 |
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Executives
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Analyst Estimate
Key Statistics
Name | Value | ||
---|---|---|---|
Revenue (TTM) (Mil $) | 204.71 | ||
EPS (TTM) ($) | 4.18 | ||
Beta | 1.02 | ||
Volatility % | 16.31 | ||
14-Day RSI | 64.61 | ||
14-Day ATR ($) | 0.65254 | ||
20-Day SMA ($) | 26.304 | ||
12-1 Month Momentum % | -21.73 | ||
52-Week Range ($) | 24.44 - 34.43 | ||
Shares Outstanding (Mil) | 15.33 |
Piotroski F-Score Details
Year:
Component | Result | ||
---|---|---|---|
Piotroski F-Score | 5 | ||
Positive ROA | |||
Positive CFROA | |||
Higher ROA yoy | |||
CFROA > ROA | |||
Lower Leverage yoy | |||
Higher Current Ratio yoy | |||
Less Shares Outstanding yoy | |||
Higher Gross Margin yoy | |||
Higher Asset Turnover yoy |
Financial Institutions Inc Filings
Document | Form | Filing Date | ||
---|---|---|---|---|
No Filing Data |