Financial Institutions Stock Analysis
| FISI Stock | USD 26.31 0.94 3.71% |
Financial Institutions is undervalued with Real Value of 28.9 and Target Price of 31.0. The main objective of Financial Institutions stock analysis is to determine its intrinsic value, which is an estimate of what Financial Institutions is worth, separate from its market price. There are two main types of Financial Institutions' stock analysis: fundamental analysis and technical analysis.
The Financial Institutions stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Financial Institutions' ongoing operational relationships across important fundamental and technical indicators.
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Financial Stock Analysis Notes
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. Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York. Financial Institut operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 650 people. To learn more about Financial Institutions call Martin Birmingham at 585 786 1100 or check out https://financialinstitutionsinc.q4ir.com/overview.Financial Institutions Investment Alerts
| 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 Upcoming and Recent Events
Every quarterly earnings report provides investors with three things: 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 |
Financial Largest EPS Surprises
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.
| 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 |
Financial Institutions Environmental, Social, and Governance (ESG) Scores
Financial Institutions' ESG score is a quantitative measure that evaluates Financial Institutions' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Financial Institutions' operations that may have significant financial implications and affect Financial Institutions' stock price as well as guide investors towards more socially responsible investments.
Financial Stock Institutional Investors
| 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 Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 528.25 M.Financial Profitablity
The company has Profit Margin (PM) of (0.38) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of 1.62 %, which suggests for every 100 dollars of sales, it generated a net operating income of $1.62.| 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) |
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.
Technical Drivers
As of the 26th of March, Financial Institutions shows the Mean Deviation of 1.26, standard deviation of 1.62, and Variance of 2.63. 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 Price Movement Analysis
The output start index for this execution was nineteen with a total number of output elements of fourty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Financial Institutions middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Financial Institutions. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
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 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.
Financial Institutions Predictive Daily 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 |
8K | 10th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 7th 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 |
8K | 6th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 14th of February 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 |
Financial Institutions Forecast Models
Financial Institutions' time-series forecasting models are one of many Financial Institutions' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Financial Institutions' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Financial Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Financial Institutions prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Financial shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Financial Institutions. By using and applying Financial Stock analysis, traders can create a robust methodology for identifying Financial entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | (0.22) | (0.21) | |
| Operating Profit Margin | 0.99 | 0.58 | |
| Net Loss | (0.13) | (0.13) |
Current Financial Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Financial analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Financial analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 31.0 | Hold | 2 | Odds |
Most Financial analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Financial stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Financial Institutions, talking to its executives and customers, or listening to Financial conference calls.
Financial Stock Analysis Indicators
Financial Institutions stock analysis indicators help investors evaluate how Financial Institutions stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Financial Institutions shares will generate the highest return on investment. By understating and applying Financial Institutions stock analysis, traders can identify Financial Institutions position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 124.4 M | |
| Long Term Debt | 124.8 M | |
| Common Stock Shares Outstanding | 15.7 M | |
| Total Stockholder Equity | 17.3 M | |
| Tax Provision | -26.5 M | |
| Quarterly Earnings Growth Y O Y | -0.045 | |
| Property Plant And Equipment Net | 39.9 M | |
| Cash And Short Term Investments | 966.1 M | |
| Cash | 55 M | |
| Accounts Payable | 25.9 M | |
| Net Debt | 44 M | |
| 50 Day M A | 27.2052 | |
| Total Current Liabilities | 124.9 M | |
| Other Operating Expenses | 1.6 M | |
| Non Current Assets Total | 100.6 M | |
| Stock Based Compensation | 1.6 M |
Complementary Tools for Financial Stock analysis
When running Financial Institutions' price analysis, check to measure Financial Institutions' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Financial Institutions is operating at the current time. Most of Financial Institutions' value examination focuses on studying past and present price action to predict the probability of Financial Institutions' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Financial Institutions' price. Additionally, you may evaluate how the addition of Financial Institutions to your portfolios can decrease your overall portfolio volatility.
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