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Financial Institutions Inc FISI

Morningstar Rating
$18.64 +0.04 (0.22%)
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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 31% discount.
Price
$18.77
Fair Value
$43.56
Uncertainty
Very High
1-Star Price
$88.66
5-Star Price
$77.88
Economic Moat
Ddhzb
Capital Allocation
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News

Trading Information

Previous Close Price
$18.60
Day Range
$18.4018.91
52-Week Range
$13.8425.13
Bid/Ask
$17.97 / $24.00
Market Cap
$287.19 Mil
Volume/Avg
30,439 / 51,227

Key Statistics

Price/Earnings (Normalized)
5.65
Price/Sales
1.37
Dividend Yield (Trailing)
6.44%
Dividend Yield (Forward)
6.44%
Total Yield
6.64%

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 the following segments: The Banking segment which includes all of the company's retail and commercial banking operations and All Other includes the activities of SDN, a full-service insurance agency that provides a broad range of insurance services to both personal and business clients.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
672

Comparables

Valuation

Metric
FISI
SPFI
PBFS
Price/Earnings (Normalized)
5.6512.6111.17
Price/Book Value
1.040.84
Price/Sales
1.372.463.20
Price/Cash Flow
4.197.988.87
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)
0.92%0.99%0.68%
Return on Equity (Normalized)
13.91%11.02%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
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRNtbz$70.0 Bil
USB
U.S. BancorpQvlp$64.4 Bil
ITUB
Itau Unibanco Holding SA ADRJxng$62.9 Bil
PNC
PNC Financial Services Group IncCphjdfq$58.1 Bil
ISNPY
Intesa Sanpaolo ADRQtwnq$58.1 Bil
TFC
Truist Financial CorpXpjbjv$47.0 Bil
MFG
Mizuho Financial Group Inc ADRMrgyq$46.2 Bil
LYG
Lloyds Banking Group PLC ADRNvcrl$36.9 Bil
BBD
Bank Bradesco SA ADRFzxb$28.1 Bil
DB
Deutsche Bank AGQyqc$26.9 Bil

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