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Financial Institutions, Inc is a banks-regional business based in the US. Financial Institutions shares (FISI) are listed on the NASDAQ and all prices are listed in US Dollars. Financial Institutions employs 600 staff and has a trailing 12-month revenue of around USD$155 million.
|52-week range||USD$12.2805 - USD$28.12|
|50-day moving average||USD$24.9642|
|200-day moving average||USD$20.0496|
|Wall St. target price||USD$27.5|
|Dividend yield||USD$1.04 (3.78%)|
|Earnings per share (TTM)||USD$2.3|
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Valuing Financial Institutions stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Financial Institutions's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Financial Institutions's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Financial Institutions shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Financial Institutions's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.91. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Financial Institutions's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
|Revenue TTM||USD$155 million|
|Operating margin TTM||32.87%|
|Gross profit TTM||USD$155 million|
|Return on assets TTM||0.83%|
|Return on equity TTM||8.45%|
|Market capitalisation||USD$438.5 million|
TTM: trailing 12 months
There are currently 209,384 Financial Institutions shares held short by investors – that's known as Financial Institutions's "short interest". This figure is 2.2% up from 204,870 last month.
There are a few different ways that this level of interest in shorting Financial Institutions shares can be evaluated.
Financial Institutions's "short interest ratio" (SIR) is the quantity of Financial Institutions shares currently shorted divided by the average quantity of Financial Institutions shares traded daily (recently around 67110.256410256). Financial Institutions's SIR currently stands at 3.12. In other words for every 100,000 Financial Institutions shares traded daily on the market, roughly 3120 shares are currently held short.
However Financial Institutions's short interest can also be evaluated against the total number of Financial Institutions shares, or, against the total number of tradable Financial Institutions shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Financial Institutions's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Financial Institutions shares in existence, roughly 10 shares are currently held short) or 0.0134% of the tradable shares (for every 100,000 tradable Financial Institutions shares, roughly 13 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Financial Institutions.
Find out more about how you can short Financial Institutions stock.
Dividend payout ratio: 45.16% of net profits
Recently Financial Institutions has paid out, on average, around 45.16% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.78% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Financial Institutions shareholders could enjoy a 3.78% return on their shares, in the form of dividend payments. In Financial Institutions's case, that would currently equate to about $1.04 per share.
While Financial Institutions's payout ratio might seem fairly standard, it's worth remembering that Financial Institutions may be investing much of the rest of its net profits in future growth.
Financial Institutions's most recent dividend payout was on 4 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 18 December 2020 (the "ex-dividend date").
Over the last 12 months, Financial Institutions's shares have ranged in value from as little as $12.2805 up to $28.12. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Financial Institutions's is 1.1825. This would suggest that Financial Institutions's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).
Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. 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, 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 53 offices in the New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
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