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

FISI POWR Grades

• Stability is the dimension where FISI ranks best; there it ranks ahead of 94.38% of US stocks.
• FISI's strongest trending metric is Momentum; it's been moving up over the last 179 days.
• FISI's current lowest rank is in the Quality metric (where it is better than 40.56% of US stocks).

FISI Stock Summary

• With a price/earnings ratio of 6.4, Financial Institutions Inc P/E ratio is greater than that of about only 11.26% of stocks in our set with positive earnings.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.15 for Financial Institutions Inc; that's greater than it is for 93.76% of US stocks.
• The volatility of Financial Institutions Inc's share price is greater than that of only 5.27% 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 QCRH, NBTB, BHLB, IBCP, and EBMT.
• 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 EV/EBIT ratio is 4.4; this is 48.84% lower than that of the median Financial Services stock.
• Over the past 243 months, FISI's price/sales ratio has gone down 2.
• FISI's EV/EBIT ratio has moved down 9.8 over the prior 243 months.

Below are key valuation metrics over time for FISI.

FISI Growth Metrics

Its 3 year net income to common stockholders growth rate is now at 45.52%.
• Its year over year net income to common stockholders growth rate is now at 52.55%.
• Its 3 year cash and equivalents growth rate is now at -28.08%.

FISI's revenue has moved up $56,475,000 over the prior 15 months.

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
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
2021-03-31	178.603	59.438	56.454
2020-12-31	154.977	43.455	36.871
2020-09-30	153.497	36.846	36.178

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.