Financial Institutions Stock Buy Hold or Sell Recommendation

FISI Stock  USD 26.05  0.36  1.40%   
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Financial Institutions is 'Buy'. The recommendation algorithm takes into account all of Financial Institutions' available fundamental, technical, and predictive indicators you will find on this site.
  
Check out Financial Institutions Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For more detail on how to invest in Financial Stock please use our How to Invest in Financial Institutions guide.
In addition, we conduct extensive research on individual companies such as Financial and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Financial Institutions. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

Execute Financial Institutions Buy or Sell Advice

The Financial recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Financial Institutions. Macroaxis does not own or have any residual interests in Financial Institutions or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Financial Institutions' advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Financial InstitutionsBuy Financial Institutions
Buy

Market Performance

Very WeakDetails

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

UndervaluedDetails

Odds Of Distress

LowDetails

Economic Sensitivity

Almost mirrors the marketDetails

Investor Sentiment

ExcitedDetails

Analyst Consensus

HoldDetails

Financial Strenth (F Score)

PoorDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Financial Institutions has a Risk Adjusted Performance of 0.0098, Jensen Alpha of 0.0989, Total Risk Alpha of 0.2181, Sortino Ratio of 0.0618 and Treynor Ratio of (0.0003)
Our investment recommendation module complements current analysts and expert consensus on Financial Institutions. It analyzes the firm potential to grow using all fundamental, technical, and market related data available at the time. To make sure Financial Institutions is not overpriced, please confirm all Financial Institutions fundamentals, including its price to book, book value per share, retained earnings, as well as the relationship between the net income and target price . Given that Financial Institutions has a number of shares shorted of 376.21 K, we urge you to verify Financial Institutions market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

Financial Institutions Trading Alerts and Improvement Suggestions

Financial Institutions generated a negative expected return over the last 90 days
The company reported the previous year's revenue of 313.23 M. Net Loss for the year was (41.65 M) with profit before overhead, payroll, taxes, and interest of 110.76 M.
Financial Institutions has a poor financial position based on the latest SEC disclosures
Over 80.0% of the company shares are owned by institutional investors
Latest headline from MacroaxisInsider: Disposition of 1000 shares by Reid Whiting of Financial Institutions subject to Rule 16b-3

Financial Institutions Returns Distribution Density

The distribution of Financial Institutions' historical returns is an attempt to chart the uncertainty of Financial Institutions' future price movements. The chart of the probability distribution of Financial Institutions daily returns describes the distribution of returns around its average expected value. We use Financial Institutions price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Financial Institutions returns is essential to provide solid investment advice for Financial Institutions.
Mean Return
0.01
Value At Risk
-2.73
Potential Upside
2.31
Standard Deviation
1.74
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Financial Institutions historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Financial Stock Institutional Investors

Shares
Geode Capital Management, Llc2024-12-31
351.3 K
Lsv Asset Management2024-12-31
339.1 K
Fourthstone Llc2024-12-31
318.3 K
Renaissance Technologies Corp2024-12-31
306.9 K
Basswood Capital Management Llc2024-12-31
304.9 K
State Street Corp2024-12-31
293.4 K
Canandaigua National Bank & Trust Co2024-12-31
283.7 K
Rhino Investment Partners, Inc.2024-12-31
261.1 K
Morgan Stanley - Brokerage Accounts2024-12-31
237.5 K
Blackrock Inc2024-12-31
1.3 M
Dimensional Fund Advisors, Inc.2024-12-31
971.7 K
Note, although Financial Institutions' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Financial Institutions Cash Flow Accounts

202020212022202320242025 (projected)
Change In Cash(19.1M)(14.8M)51.4M(6.0M)(37.1M)(35.3M)
Free Cash Flow39.2M63.6M125.2M7.9M77.1M40.2M
Depreciation7.9M8.0M8.1M8.1M9.6M6.2M
Other Non Cash Items27.3M(7.8M)20.0M7.9M142.9M150.1M
Dividends Paid18.0M18.5M19.1M19.7M1.5M1.4M
Capital Expenditures3.6M4.3M9.4M8.4M3.0M0.0
Net Income38.3M77.7M56.6M50.3M(41.6M)(39.6M)
End Period Cash Flow93.9M79.1M130.5M124.4M87.3M82.6M
Investments(531.1M)(606.1M)(306.7M)(442.9M)(398.6M)(378.6M)
Net Borrowings(194M)(235.2M)24.7M175M157.5M165.4M
Change To Netincome6.5M24.1M1.7M(1.7M)(1.5M)(1.5M)

Financial Institutions Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Financial Institutions or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Financial Institutions' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Financial stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over Dow Jones
0.1
β
Beta against Dow Jones0.91
σ
Overall volatility
1.59
Ir
Information ratio 0.06

Financial Institutions Volatility Alert

Financial Institutions has relatively low volatility with skewness of 0.37 and kurtosis of 2.4. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Financial Institutions' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Financial Institutions' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

Financial Institutions Fundamentals Vs Peers

Comparing Financial Institutions' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Financial Institutions' direct or indirect competition across all of the common fundamentals between Financial Institutions and the related equities. This way, we can detect undervalued stocks with similar characteristics as Financial Institutions or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Financial Institutions' fundamental indicators could also be used in its relative valuation, which is a method of valuing Financial Institutions by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Financial Institutions to competition
FundamentalsFinancial InstitutionsPeer Average
Return On Equity-0.0814-0.31
Return On Asset-0.0068-0.14
Profit Margin(0.38) %(1.27) %
Operating Margin1.62 %(5.51) %
Current Valuation704.88 M16.62 B
Shares Outstanding20.08 M571.82 M
Shares Owned By Insiders2.30 %10.09 %
Shares Owned By Institutions79.79 %39.21 %
Number Of Shares Shorted376.21 K4.71 M
Price To Earning7.12 X28.72 X
Price To Book0.92 X9.51 X
Price To Sales4.72 X11.42 X
Revenue313.23 M9.43 B
Gross Profit110.76 M27.38 B
EBITDA63.05 M3.9 B
Net Income(41.65 M)570.98 M
Cash And Equivalents147.9 M2.7 B
Cash Per Share9.65 X5.01 X
Total Debt99 M5.32 B
Debt To Equity0.13 %48.70 %
Book Value Per Share27.48 X1.93 K
Cash Flow From Operations77.13 M971.22 M
Short Ratio2.29 X4.00 X
Earnings Per Share(1.66) X3.12 X
Price To Earnings To Growth1.91 X4.89 X
Target Price33.0
Number Of Employees59818.84 K
Beta0.89-0.15
Market Capitalization523.01 M19.03 B
Total Asset6.12 B29.47 B
Retained Earnings388.67 M9.33 B
Annual Yield0.05 %
Five Year Return3.76 %
Note: Disposition of 1000 shares by Reid Whiting of Financial Institutions subject to Rule 16b-3 [view details]

Financial Institutions Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Financial . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Financial Institutions Buy or Sell Advice

When is the right time to buy or sell Financial Institutions? Buying financial instruments such as Financial Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.

Use Investing Ideas to Build Portfolios

In addition to having Financial Institutions in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

Run Millennials Best Thematic Idea Now

Millennials Best
Millennials Best Theme
Companies or funds that provide products or services that appeal to the generation of millennials and that are expected to experience growth in the next 5 years. The millennial generation usually refers to the demographic population that were born between 1980 to 2000. The Millennials Best theme has 49 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Millennials Best Theme or any other thematic opportunities.
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When determining whether Financial Institutions offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Financial Institutions' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Financial Institutions Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Financial Institutions Stock:
Check out Financial Institutions Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For more detail on how to invest in Financial Stock please use our How to Invest in Financial Institutions guide.
You can also try the Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Financial Institutions. If investors know Financial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Financial Institutions listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.04)
Dividend Share
1.2
Earnings Share
(1.66)
Revenue Per Share
7.062
Quarterly Revenue Growth
(0.08)
The market value of Financial Institutions is measured differently than its book value, which is the value of Financial that is recorded on the company's balance sheet. Investors also form their own opinion of Financial Institutions' value that differs from its market value or its book value, called intrinsic value, which is Financial Institutions' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Financial Institutions' market value can be influenced by many factors that don't directly affect Financial Institutions' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Financial Institutions' value and its price as these two are different measures arrived at by different means. Investors typically determine if Financial Institutions is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Financial Institutions' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.