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Financial Institutions (FISI) is a leading banks-regional business based in the US. It opened the day at $31.65 after a previous close of $31.69. During the day the price has varied from a low of $31.185 to a high of $31.65. The latest price was $31.38 (25 minute delay). Financial Institutions is listed on the NASDAQ and employs 600 staff. All prices are listed in US Dollars.
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| Open | $31.65 |
|---|---|
| High | $31.65 |
| Low | $31.19 |
| Close | $31.38 |
| Previous close | $31.69 |
| Change | $-0.31 |
| Change % | -0.9782% |
| Volume | 2,564 |
| 52-week range | $26.62 - $34.13 |
|---|---|
| 50-day moving average | $30.10 |
| 200-day moving average | $31.28 |
| Wall St. target price | $36.00 |
| PE ratio | 6.1009 |
| Dividend yield | $1.1 (4.24%) |
| Earnings per share (TTM) | $4.44 |
Note: The dollar amounts in the table below are in Canadian dollars.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
Historical closes compared with the close of $31.38 from 2022-05-13
| 1 week (2022-05-09) | 13.78% |
|---|---|
| 1 month (2022-04-13) | 7.25% |
| 3 months (2022-02-16) | -1.81% |
| 6 months (2021-11-16) | -3.12% |
| 1 year (2021-05-14) | -3.71% |
|---|---|
| 2 years (2020-05-15) | 118.37% |
| 3 years (2019-05-16) | 11.91% |
| 5 years (2017-05-16) | 32.45 |
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 6x. In other words, Financial Institutions shares trade at around 6x 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 | $205.7 million |
|---|---|
| Operating margin TTM | 45.26% |
| Gross profit TTM | $210 million |
| Return on assets TTM | 1.31% |
| Return on equity TTM | 15.76% |
| Profit margin | 34.98% |
| Book value | $28.44 |
| Market capitalisation | $414.6 million |
TTM: trailing 12 months
Dividend payout ratio: 24.77% of net profits
Recently Financial Institutions has paid out, on average, around 24.77% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.24% 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 4.24% return on their shares, in the form of dividend payments. In Financial Institutions's case, that would currently equate to about $1.1 per share.
While Financial Institutions's payout ratio might seem low, this can signify that Financial Institutions is investing more in its future growth.
Financial Institutions's most recent dividend payout was on 4 April 2022. The latest dividend was paid out to all shareholders who bought their shares by 17 March 2022 (the "ex-dividend date").
Over the last 12 months, Financial Institutions's shares have ranged in value from as little as $26.62 up to $34.1261. 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 1.074. 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 a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. 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 products, 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 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York.
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