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Financial Institutions Inc FISI

Morningstar Rating
$16.40 +0.06 (0.37%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

FISI is trading at a 29% discount.
Price
$16.29
Fair Value
$34.16
Uncertainty
Very High
1-Star Price
$51.74
5-Star Price
$85.64
Economic Moat
Yry
Capital Allocation
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News

Trading Information

Previous Close Price
$16.34
Day Range
$16.3416.64
52-Week Range
$13.8322.55
Bid/Ask
$0.00 / $0.00
Market Cap
$253.33 Mil
Volume/Avg
54,589 / 48,071

Key Statistics

Price/Earnings (Normalized)
5.16
Price/Sales
1.19
Dividend Yield (Trailing)
7.34%
Dividend Yield (Forward)
7.34%
Total Yield
7.57%

Company Profile

Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
624

Comparables

Valuation

Metric
FISI
SPFI
PBFS
Price/Earnings (Normalized)
5.1611.5710.57
Price/Book Value
0.581.020.79
Price/Sales
1.192.483.02
Price/Cash Flow
3.806.798.39
Price/Earnings
FISI
SPFI
PBFS

Financial Strength

Metric
FISI
SPFI
PBFS
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
FISI
SPFI
PBFS
Return on Assets (Normalized)
0.86%0.92%0.68%
Return on Equity (Normalized)
12.72%9.96%4.63%
Return on Invested Capital (Normalized)
Return on Assets
FISI
SPFI
PBFS
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRXmlcdcgmwRqfgb$77.4 Bil
ISNPY
Intesa Sanpaolo ADRLknphhbtCnl$64.0 Bil
USB
U.S. BancorpNqdxvplwrHmf$61.7 Bil
PNC
PNC Financial Services Group IncRjhtcszwYqjpf$58.3 Bil
ITUB
Itau Unibanco Holding SA ADRQjflvhjqPzpn$54.8 Bil
MFG
Mizuho Financial Group Inc ADRMtjjxhsxmSxpz$48.0 Bil
TFC
Truist Financial CorpMntmmlfNhjffh$47.6 Bil
LYG
Lloyds Banking Group PLC ADRXhpymtcHnpzy$39.7 Bil
DB
Deutsche Bank AGBljjVrj$30.7 Bil
NWG
NatWest Group PLC ADRRqhkkKcjlh$29.5 Bil

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