ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Financial Institutions, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 52.21 MM
- ROCE(HY) Highest at 1.21%
- NET SALES(Q) Highest at USD 84.65 MM
2
With ROA of -0.15%, it has a risky valuation with a 0.90 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.35%, its profits have fallen by -122.9%
3
High Institutional Holdings at 91.43%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Financial Institutions, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Financial Institutions, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Financial Institutions, Inc.
16.35%
2.43
30.97%
S&P 500
20.12%
1.04
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.60%
EBIT Growth (5y)
10.18%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
34.35%
Pledged Shares
0
Institutional Holding
91.43%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.90
EV to EBIT
-14.12
EV to EBITDA
-16.29
EV to Capital Employed
0.91
EV to Sales
1.91
PEG Ratio
NA
Dividend Yield
262.21%
ROCE (Latest)
-6.44%
ROE (Latest)
-1.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
NII(Q)
Highest at USD 52.21 MM
ROCE(HY)
Highest at 1.21%
NET SALES(Q)
Highest at USD 84.65 MM
PRE-TAX PROFIT(Q)
At USD 24 MM has Grown at 126.02%
NET PROFIT(Q)
At USD 19.98 MM has Grown at 133.44%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.77%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -2.6 MM
ROCE(HY)
Lowest at 1.21%
CASH AND EQV(HY)
Lowest at USD 197.75 MM
Here's what is working for Financial Institutions, Inc.
NII
Highest at USD 52.21 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 84.65 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 24 MM has Grown at 126.02%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 19.98 MM has Grown at 133.44%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 0.77% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Financial Institutions, Inc.
Operating Cash Flow
Lowest at USD -2.6 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 197.75 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
