Is Financial Institutions Stock a Good Investment?
Financial Institutions Investment Advice | FISI |
- Examine Financial Institutions' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Financial Institutions' leadership team and their track record. Good management can help Financial Institutions navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Financial Institutions' business and its evolving consumer preferences.
- Compare Financial Institutions' performance and market position to its competitors. Analyze how Financial Institutions is positioned in terms of product offerings, innovation, and market share.
- Check if Financial Institutions pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Financial Institutions' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Financial Institutions stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Financial Institutions is a good investment.
Sell | Buy |
Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Excited | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Financial Institutions Stock
Researching Financial Institutions' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 84.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.94. Some equities with similar Price to Book (P/B) outperform the market in the long run. Financial Institutions has Price/Earnings To Growth (PEG) ratio of 1.91. The entity recorded a loss per share of 2.75. The firm last dividend was issued on the 14th of March 2025.
To determine if Financial Institutions is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Financial Institutions' research are outlined below:
| 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 84.0% of the company shares are owned by institutional investors | |
| Latest headline from thelincolnianonline.com: Commonwealth Equity Services LLC Sells 483 Shares of Financial Institutions, Inc. |
Financial Institutions Quarterly Good Will |
|
Financial Institutions uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Financial Institutions. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Financial Institutions' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Financial Institutions' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Financial Institutions' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2009-04-22 | 2009-03-31 | 0.17 | 0.19 | 0.02 | 11 | ||
2009-10-22 | 2009-09-30 | 0.26 | 0.23 | -0.03 | 11 | ||
2006-01-26 | 2005-12-31 | 0.25 | 0.22 | -0.03 | 12 | ||
2011-04-27 | 2011-03-31 | 0.37 | 0.33 | -0.04 | 10 | ||
2007-07-26 | 2007-06-30 | 0.31 | 0.27 | -0.04 | 12 | ||
2007-04-26 | 2007-03-31 | 0.25 | 0.29 | 0.04 | 16 | ||
2016-01-26 | 2015-12-31 | 0.49 | 0.44 | -0.05 | 10 | ||
2014-04-23 | 2014-03-31 | 0.45 | 0.5 | 0.05 | 11 |
Financial Institutions Target Price Consensus
Financial target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Financial Institutions' target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 2 | Hold |
Most Financial analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Financial stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Financial Institutions, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationFinancial Institutions Target Price Projection
Financial Institutions' current and average target prices are 26.31 and 31.00, respectively. The current price of Financial Institutions is the price at which Financial Institutions is currently trading. On the other hand, Financial Institutions' target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Financial Institutions Market Quote on 26th of March 2025
Target Price
Analyst Consensus On Financial Institutions Target Price
Financial Institutions Analyst Ratings
Financial Institutions' analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Financial Institutions stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Financial Institutions' financials, market performance, and future outlook by experienced professionals. Financial Institutions' historical ratings below, therefore, can serve as a valuable tool for investors.Know Financial Institutions' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Financial Institutions is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Financial Institutions backward and forwards among themselves. Financial Institutions' institutional investor refers to the entity that pools money to purchase Financial Institutions' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Geode Capital Management, Llc | 2024-12-31 | 351.3 K | Lsv Asset Management | 2024-12-31 | 339.1 K | Fourthstone Llc | 2024-12-31 | 318.3 K | Renaissance Technologies Corp | 2024-12-31 | 306.9 K | Basswood Capital Management Llc | 2024-12-31 | 304.9 K | State Street Corp | 2024-12-31 | 293.4 K | Canandaigua National Bank & Trust Co | 2024-12-31 | 283.7 K | Rhino Investment Partners, Inc. | 2024-12-31 | 261.1 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 237.5 K | Blackrock Inc | 2024-12-31 | 1.3 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 971.7 K |
Financial Institutions' market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 528.25 M.Market Cap |
|
Financial Institutions' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.01) | (0.01) | |
| Return On Capital Employed | 0.05 | 0.08 | |
| Return On Assets | (0.01) | (0.01) | |
| Return On Equity | (2.41) | (2.29) |
Determining Financial Institutions' profitability involves analyzing its financial statements and using various financial metrics to determine if Financial Institutions is a good buy. For example, gross profit margin measures Financial Institutions' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Financial Institutions' profitability and make more informed investment decisions.
Evaluate Financial Institutions' management efficiency
The Financial Institutions' current Return On Capital Employed is estimated to increase to 0.08, while Return On Tangible Assets are forecasted to increase to (0.01). As of now, Financial Institutions' Intangibles To Total Assets are decreasing as compared to previous years. The Financial Institutions' current Fixed Asset Turnover is estimated to increase to 8.25, while Total Assets are projected to decrease to under 3.3 B. Financial Institutions' management efficiency ratios could be used to measure how well Financial Institutions manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 36.28 | 38.09 | |
| Tangible Book Value Per Share | 32.41 | 34.03 | |
| Enterprise Value Over EBITDA | 7.61 | 7.23 | |
| Price Book Value Ratio | 24.76 | 26.00 | |
| Enterprise Value Multiple | 7.61 | 7.23 | |
| Price Fair Value | 24.76 | 26.00 | |
| Enterprise Value | 244.7 M | 247.7 M |
Leadership at Financial Institutions emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Basic technical analysis of Financial Stock
As of the 26th of March, Financial Institutions shows the Standard Deviation of 1.62, variance of 2.63, and Mean Deviation of 1.26. Financial Institutions technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Financial Institutions' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Financial Institutions insiders, such as employees or executives, is commonly permitted as long as it does not rely on Financial Institutions' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Financial Institutions insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Financial Institutions' Outstanding Corporate Bonds
Financial Institutions issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Financial Institutions uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Financial bonds can be classified according to their maturity, which is the date when Financial Institutions has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Understand Financial Institutions' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Financial Institutions' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | 2.34 | |||
| Mean Deviation | 1.26 | |||
| Coefficient Of Variation | (1,443) | |||
| Standard Deviation | 1.62 | |||
| Variance | 2.63 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.13) | |||
| Treynor Ratio | 2.33 | |||
| Maximum Drawdown | 7.14 | |||
| Value At Risk | (2.73) | |||
| Potential Upside | 2.31 | |||
| Skewness | (0.11) | |||
| Kurtosis | 0.5956 |
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | 2.34 | |||
| Mean Deviation | 1.26 | |||
| Coefficient Of Variation | (1,443) | |||
| Standard Deviation | 1.62 | |||
| Variance | 2.63 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.13) | |||
| Treynor Ratio | 2.33 | |||
| Maximum Drawdown | 7.14 | |||
| Value At Risk | (2.73) | |||
| Potential Upside | 2.31 | |||
| Skewness | (0.11) | |||
| Kurtosis | 0.5956 |
Consider Financial Institutions' intraday indicators
Financial Institutions intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Financial Institutions stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Financial Institutions Corporate Filings
| 21st of March 2025 Other Reports | ViewVerify | |
F4 | 18th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 17th of March 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
10K | 12th of March 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
Financial Stock media impact
Far too much social signal, news, headlines, and media speculation about Financial Institutions that are available to investors today. That information is available publicly through Financial media outlets and privately through word of mouth or via Financial internal channels. However, regardless of the origin, that massive amount of Financial data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Financial Institutions news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Financial Institutions relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Financial Institutions' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Financial Institutions alpha.
Financial Institutions Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Financial Institutions can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Financial Institutions Corporate Management
| Sandra Byers | Controller VP | Profile | |
| William II | CFO VP | Profile | |
| Reid Whiting | Chief Officer | Profile | |
| Shelly Doran | IR Contact Officer | Profile | |
| Kate Croft | Director Relations | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in 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. 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 Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.
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 (2.75) | Revenue Per Share | 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.
In summary, please note that there is a difference between Financial Institutions' value and its price, as these two are different measures arrived at by various 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.