Fundamental Analysis of Financial Institutions Inc - Growth / Value Index
FISI - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.205
Price to Earning Ratio is 7.19 and EV to EBITDA is 8.12 suggesting company is undervalued.
Price to Book Ratio is 0.139 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 7.30 | 5.85 | 12.58 % | |
| Price to Book | 0.141 | 0.0487 | -93.57 % | 0.069 |
| Price to Sales | 1.03 | 6.09 | 340.27 % | |
| Enterprise Value to EBITDA Multiple | 8.17 | 11.55 | 162.60 % |
FISI - Profitability Highlights
Profitability Analysis
Gives Dividend Yield of 6.36 %
Earning Yield of 13.91 %
Piotroski F Score - Stable Value of 5.0
Good Net Margin of 14.11% is achieved by the company
Tsr Profitability Index - Very Poor Score of 18.42
In the last three years, the company has given poor Returns on Assets
EPS decline for last four quarters
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 5.64 | 0 | 0 % | 0 |
| Return On Asset | 0.691 | 0.816 | -16.40 % | 0.0329 |
| Net Profit Margin | 14.11 | 104.19 | 291.07 % | 2.33 |
| Operating Profit Margin | 18.88 | 130.70 | 291.06 % | 4.43 |
| EBITDA Margin | 31.20 | 130.70 | 175.63 % | -2.11 |
Highlights
| Market Cap | 293491 K |
| Enterprise Value | 727465 K |
| Price/Book TTM | 0.141 |
| Outstanding Share | 15446.90 K |
| Float/ Outstanding Share | 97.23% |
| Dividend Yield | 6.42 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.126 |
| Peter Lynch Ratio | -1.52 |
| Piotroski F Score | 5.00 |
| Altman Z Score | 1.56 |
| Sloan Ratio | -0.0040 |
| Peter Lynch Fair Value | 0 |
FISI - Growth Highlights
Growth Analysis
YoY Net Margin Jump by 291.07%
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 24.05
Companies' sales dropped by 77.28 % from last year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 285215 K | 77.28 % | 2.75 % |
| Gross Profit | 285215 K | 77.28 % | 2.75 % |
| EBITDA | 88995.00 K | 37.38 % | 949.32 % |
| Net Profit | 40245.00 K | 11.15 % | 78.83 % |
| EPS | 2.60 | 11.17 % | NA |
FISI - Stability Highlights
Stability Analysis
Debt to equity ratio has decreased and is lowest in last five years
Tsr Stability Index - Poor Score of 34.38
Altman Z Score of 1.53 suggest high risk
Interest Coverage of 0.456
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | -2.58 | -27.07 % | -2.04 |
| Cash Ratio | -0.065 | -110.24 % | |
| Quick Ratio | 0.0128 | -97.98 % | 0.262 |
| Shareholders Equity | -1.95 | 17.91 % | |
| Debt to EBITDA | 4.91 | 77.03 % |
Historical Valuation Ratios of Financial Institutions Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Financial Institutions Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Financial Institutions Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Financial Institutions Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)