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NASDAQ
FISI

Market Cap: $805.57M

FI

Financial Institutions, Inc.

FISI

NASDAQUSD

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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Financials

Profitability

Gross Profit Margin57.94%

EBITDA Margin16.35%

EBIT Margin15.60%

Pre-tax Margin31.58%

Net Profit Margin26.18%

Earnings Yield10.28%

Valuation Multiples

Price / Book1.25

Price / Sales2.55

Price / Earnings10.00

PEG0.03

Forward PEG3.81

EV / Sales3.29

EV / EBITDA20.10

EV / Operating Cash Flow17.04

EV / Free Cash Flow18.44

Price / Free Cash Flow14.32

Price / Operating Cash Flow13.20

Cash Flow & Capital

Free Cash Flow / Share$2.86

Operating Cash Flow / Share$3.1

Free Cash Flow Yield6.98%

Capex / Revenue1.47%

Capex / Operating Cash Flow7.61%

Capex / Depreciation0.60

Stock Compensation / Revenue1.20%

Dividend Payout Ratio32.01%

Dividend Yield3.08%

Liquidity & Leverage

Current Ratio0.47

Quick Ratio0.47

Cash Ratio0.33

Debt / Assets0.05

Debt / Capital0.31

Debt / Equity0.45

Long-Term Debt / Capital0.11

Debt / Market Cap32.36%

Net Debt / EBITDA4.49

Solvency Ratio0.01

Financial Leverage9.85

Efficiency & Working Capital

Asset Turnover0.05

Fixed Asset Turnover4.68

Inventory Turnover0.00

Receivables Turnover12.39

Payables Turnover0.00

Days Sales Outstanding29.45

Days Inventory Outstanding0

Days Payables Outstanding0

Operating Cycle29.45

Cash Conversion Cycle29.45

Working Capital Turnover-0.12

Returns & Quality

Return on Equity13.09%

Return on Assets1.30%

Return on Invested Capital0.64%

ROCE0.80%

Return on Tangible Assets1.32%

Operating Return on Assets0.78%

Income Quality0.74

Tax Burden0.83

Interest Burden2.02

Balance Sheet & Intrinsic Metrics

Enterprise Value$1.04B

Invested Capital$30.65M

Working Capital$-96.98M

Tangible Asset Value$583.29M

Net Current Asset Value$-5.61B

Graham Number$55.68

Graham Net-Net-$285.76

Book Value / Share$32.76

Tangible Book Value / Share$29.7

Cash / Share$3.03

Financial Health Scores

Piotroski Score7

Altman Z-Score0.24

Revenue$315.61M

EBIT$49.24M

Market Cap$805.57M

Working Capital$-96.98M

Retained Earnings$466M

Total Assets$6.34B

Total Liabilities$5.69B