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Financial Institutions Inc
FISI | US
33.71
USD-0.44
-1.29%
FISI | US
About Financial Institutions Inc
Sector
Financial Services
Industry
Banks - Regional - US
Earnings date
30/06/2024
As of date
24/04/2026
Close
33.71
Open
33.64
High
34.37
Low
33.23
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. The company offers checking and savings account programs including money market accounts certificates of deposit sweep investments and individual retirement and other qualified plan accounts as well as NOW accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital business expansion and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans home improvement loans closed-end home equity loans and home equity lines of credit; and consumer loans such as automobile secured installment and personal loans. The company also provides personal insurance products including automobile homeowners boat recreational vehicle landlord and umbrella coverage; commercial insurance comprising property liability automobile inland marine workers compensation bonds crop and umbrella insurance products; and financial services such as life and disability insurance medicare supplements long-term care annuities mutual funds and retirement programs. In addition it offers customized investment advisory wealth management investment consulting and retirement plan services as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions Inc. was founded in 1817 and is headquartered in Warsaw New York.
View LessFISI | US
Risk
20.2
Sharpe
1.62
Luna's Score
64/100
Recommendation
Hold
Luna says (FISI | US)
What's Working
Low 6-Month Volatility (<30%)
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
Strong Revenue Growth (> 10%)
Strong Sharpe Ratio (> 1.2)
What's not Working
Weakness based on declining price with high volume
Price Below SMA10D
Smallcap (300M - 2B USD)
High Market Beta (> 0.8)
High Debt to Equity (> 0.75)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
10 days
20.8%1 month
20.2%3 months
24.5%6 months
27.7%Returns
Fundamental Ratios
PE
8.17
Fwd. PE
-
Price to book
0.92
Debt to equity
0.77
Debt to assets
0.06
Ent. to EBITDA
-
Ent. to rev.
3.58
PEG
1.91
Other Fundamentals
EBITDA
-
MarketCap
521.57M
MarketCap(USD)
521.57M
Div. yield
4.47
Op. margin
50.04
Erngs. growth
78.00
Rev. growth
24.90
Ret. on equity
11.53
Short ratio
2.12
Short perc.
0.50
Market Sentiment (SMA and Price signals)
Short-term: Bullish (SMA10D > SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
Range10D
2.43
Range1M
4.97
Range3M
6.20
Volumes: Market Activity
Rel. volume
1.11
Price X volume
4.10M
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | - | - |
| Ent. to Revenue | 3.58 | - | Cheaper |
| PE Ratio | 8.17 | 18.44 | Cheaper |
| Price to Book | 0.92 | 3,795.44 | Cheaper |
| Dividend Yield | 4.47 | - | Leader |
| Std. Deviation (3M) | 24.51 | - | Lower Risk |
| Debt to Equity | 0.77 | 0.66 | Par |
| Debt to Assets | 0.06 | 0.08 | Cheaper |
| Market Cap | 521.57M | - | Emerging |
