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

FISI POWR Grades

• FISI scores best on the Stability dimension, with a Stability rank ahead of 93.65% of US stocks.
• FISI's strongest trending metric is Growth; it's been moving up over the last 52 weeks.
• FISI ranks lowest in Quality; there it ranks in the 36th percentile.

FISI Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 10.91 for Financial Institutions Inc; that's greater than it is for 93.18% of US stocks.
• With a year-over-year growth in debt of -49%, Financial Institutions Inc's debt growth rate surpasses only 9.79% of about US stocks.
• Financial Institutions Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 18.89%, greater than the shareholder yield of 88.44% of stocks in our set.
• Stocks that are quantitatively similar to FISI, based on their financial statements, market capitalization, and price volatility, are IBCP, OPBK, EBMT, SMBC, and NBTB.
• 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 4 year revenue growth rate is now at 25.23%.
• Its 5 year cash and equivalents growth rate is now at 153.1%.
• Its 3 year net income to common stockholders growth rate is now at 45.52%.

Over the past 67 months, FISI's revenue has gone up $72,611,000.

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
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
2020-06-30	152.625	38.749	36.738
2020-03-31	151.701	46.674	37.007

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 36.59% of graded US stocks.
• FISI's asset turnover comes in at 0.037 -- ranking 238th of 433 Banking stocks.
• MOFG, SYF, and ESXB are the stocks whose asset turnover ratios are most correlated with FISI.

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