Financial Institutions, Inc. logo FISI - Financial Institutions, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 2
HOLD 4
SELL 0
STRONG
SELL 0
| PRICE TARGET: $36.00 DETAILS
HIGH: $36.00
LOW: $36.00
MEDIAN: $36.00
CONSENSUS: $36.00
DOWNSIDE: 7.50%

Profitability Ratios

Ratio Value
GP Margin 61.7%
EBIT Margin 24.2%
EBITDA Margin 26.3%
Operating Margin 24.2%
Pretax Margin 24.2%
Cont. Ops Margin 19.8%
Net Margin 19.8%
Bottom Line Margin 19.4%

Liquidity Ratios

Ratio Value
Current Ratio 0.03
Quick Ratio 0.03
Solvency Ratio 0.015
Cash Ratio 0.02

Valuation Ratios

Ratio Value
Price/Earnings
8.37
Hist. avg: 10.7
Peers avg: 13.9
PEG Ratio -0.04
Forward PEG -0.04
Price/Book 1.00
Price/Sales 1.66
Price/FCF 47.27
Price/Op Cash Flow 33.32

Debt Ratios

Ratio Value
Debt/Assets 0.0533
Debt/Equity 0.5315
Debt/Capital 0.3470
Long-Term Debt/Capital 0.2354
Financial Leverage 9.98

Cash Flow Ratios

Ratio Value
Working Capital Turnover -0.07
Operating Cash Flow Ratio 0.004
Operating Cash Flow/Sales 5.0%
Free Cash Flow/Operating Cash Flow 70.5%

Coverage Ratios

Ratio Value
Debt Service Coverage 0.34
Interest Coverage 0.6869
Short-Term Operating Cash Flow Coverage 0.17
Operating Cash Flow Coverage 0.06
Capital Expenditure Coverage 3.39
Dividend + Capital Expenditure Coverage 0.59

Dividend Ratios

Ratio Value
Payout Ratio 34.9607%
Dividend Yield 4.1779%
Dividend Yield % 4.1779%
Dividend Per Share 1.3023

Per Share Ratios

Ratio Value
Revenue/Share 18.80
EPS 3.725
Debt/Share 23.2465
Cash/Share 5.41
Book Value/Share 31.29
Tangible BV/Share 28.29
Equity/Share 31.29
Operating Cash Flow/Share 0.935
Capital Expenditure/Share 0.276
FCF/Share 0.659

Other Ratios

Ratio Value
Net Income/Earnings Before Tax 0.820
Earnings Before Tax/EBIT 1.000
Price/Fair Value 1.00
Debt/Market Cap 0.4831
Effective Tax Rate 18.0%
Enterprise Value Multiple 8.59