Financial Institutions Inc

Visual Financials
Company Name: Financial Institutions Inc
Ticker Symbol: FISI
CIK Number: 0000862831
WWW Address: http://www.snl.com
CEO: Martin K. Birmingham
No. of Employees: 691
Common Issue Type: CS
Business Description:Financial Institutions, Inc. is a financial holding company and provides banking services through its subsidiaries.

 
Industry Information: BANKING - Regional - Mid-Atlantic Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 32.15 Up 1.5 32.05 32.35 30.65 32.40 30.65 83326
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 467.1 14.5 0.00 1.91 0.80 14.1 3.0 32.40 - 24.56
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close32.15$
PE Ratio - LTM14.1
Market Capitalisation467.1mil
Latest Shares Outstanding14.5mil
Earnings pS (EPS)1.91$
Dividend pS (DPS)0.80¢
Dividend Yield3.0%
Dividend Payout Ratio%
Revenue per Employee184,947$
Effective Tax Rate32.6%
Float13.7mil
Float as % of Shares Outstanding0.9%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover3.9%
Return on Assets (ROA)0.8%
Return on Equity (ROE)10.0%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)12.2
Interest Cover
Total Debt/Equity (Gearing Ratio)1.20
LT Debt/Total Capital12.0%
Working Capital pS-
Cash pS-
Book-Value pS20.98$
Tangible Book-Value pS14.42$
Cash Flow pS3.05$
Free Cash Flow pS2.48$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.29
Price/Tangible Book Ratio0.00
Price/Cash Flow8.9
Price/Free Cash Flow10.9
P/E as % of Industry Group387.0%
P/E as % of Sector Segment49.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of PaymentCash Payment
Dividend Rate0.80
Current Dividend Yield3.0
5-Y Average Dividend Yield3.0
Payout Ratio0.0
5-Y Average Payout Ratio26.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week---1.01102,82071,725
4 Weeks32.4026.7026.8514.21188,5421,770,857
13 Weeks32.4025.9827.0013.51342,5312,722,030
26 Weeks32.4024.5628.148.9434,0264,355,398
52 Weeks32.4024.5626.9113.9836,4149,176,568
YTD32.4024.56-13.8435,9708,417,180
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
30.9430.7728.0927.2927.470.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.050.20.04
Income0.060.30.07
Dividend0.150.30.12
Capital Spending0.04NA0.04
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %8.08.02.8
Earnings %0.00.00.0
EPS %0.00.07.4
EPS $0.000.000.11
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-19.17
Free Cash Flow Margin 5YEAR AVG39.20
Cash-Flow pS0.00
Free Cash-Flow pS15.94
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)12.23
Debt Ratio91.31
Total Debt/Equity (Gearing Ratio)1.20
LT Debt/Equity0.14
LT Debt/Capital Invested12.36
LT Debt/Total Liabilities1.26
 
VALUATION RATIOS
MULTIPLES
PQ Ratio1.10
Tobin's Q Ratio0.12
Current P/E Ratio - LTM14.10
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow48.99
Dividend Yield3.0
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.29
Price/Cash Flow Ratio8.9
Price/Free Cash Flow Ratio - LTM10.9
P/E Ratio (1 month ago) - LTM12.3
P/E Ratio (26 weeks ago) - LTM11.3
P/E Ratio (52 weeks ago) - LTM10.4
5-Y High P/E Ratio15.0
5-Y Low P/E Ratio6.2
5-Y Average P/E Ratio0.0
Current P/E Ratio as % of 5-Y Average P/E30
P/E as % of Industry Group387.0
P/E as % of Sector Segment49.0
Current 12 Month Normalized P/E Ratio - LTM8.8
PER SHARE FIGURES
Tangible Book Value pS - LTM14.42
Book Value pS - LTM20.98
Capital Invested pS21.72
Cash Flow pS - LTM3.05
Free Cash Flow pS - LTM2.48
Earnings pS (EPS)1.91
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)10.93
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)4.66
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)0.84
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin185.84
Pre-Tax Profit Margin - 5YEAR AVRG.125.09
Net Profit Margin29.73
Net Profit Margin - 5YEAR AVRG.28.65
Effective Tax Rate5.95
Effective Tax Rate - 5YEAR AVRG.15.69
EFFICIENCY RATIOS
Revenue per Employee - LTM188,435
Net Income per Employee - LTM44,710
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,203.19



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