Financial Institutions, Inc. (FISI): Price and Financial Metrics

FISI POWR Grades

• Stability is the dimension where FISI ranks best; there it ranks ahead of 91.36% of US stocks.
• The strongest trend for FISI is in Stability, which has been heading down over the past 177 days.
• FISI's current lowest rank is in the Growth metric (where it is better than 19.85% of US stocks).

FISI Stock Summary

• Price to trailing twelve month operating cash flow for FISI is currently 2.61, higher than just 9.92% of US stocks with positive operating cash flow.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 12.61 for FINANCIAL INSTITUTIONS INC; that's greater than it is for 95.16% of US stocks.
• The volatility of FINANCIAL INSTITUTIONS INC's share price is greater than that of just 4.36% US stocks with at least 200 days of trading history.
• If you're looking for stocks that are quantitatively similar to FINANCIAL INSTITUTIONS INC, a group of peers worth examining would be IBCP, HAFC, TCFC, FDBC, and UBFO.
• FISI's SEC filings can be seen here. And to visit FINANCIAL INSTITUTIONS INC's official web site, go to www.five-starbank.com.

FISI Valuation Summary

• FISI's price/earnings ratio is 5.9; this is 48.25% lower than that of the median Financial Services stock.
• Over the past 243 months, FISI's price/sales ratio has gone down 1.2.

Below are key valuation metrics over time for FISI.

FISI Growth Metrics

Its 5 year net income to common stockholders growth rate is now at 20.18%.
• Its year over year price growth rate is now at -14.08%.
• Its 3 year price growth rate is now at -3.87%.

Over the past 33 months, FISI's revenue has gone up $43,846,000.

The table below shows FISI's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	206.095	150.923	62.637
2022-06-30	205.586	123.797	65.959
2022-03-31	205.736	96.851	70.51
2021-12-31	209.972	72.962	76.237
2021-09-30	197.905	62.624	70.425
2021-06-30	190.88	64.232	65.522

FISI's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• FISI has a Quality Grade of C, ranking ahead of 33.46% of graded US stocks.
• FISI's asset turnover comes in at 0.037 -- ranking 238th of 428 Banking stocks.
• RM, ESXB, and PFS are the stocks whose asset turnover ratios are most correlated with FISI.

The table below shows FISI's key quality metrics over time.