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 Jun 26
- The company has declared positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 61.4 MM
- ROCE(HY) Highest at 1.32%
- CREDIT DEPOSIT RATIO(Q) Highest at 0.82%
2
With ROA of 0.77%, it has a attractive valuation with a 0.98 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 51.01%, its profits have risen by 503% ; the PEG ratio of the company is 0
3
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 7.8% over the previous quarter.
4
Market Beating performance in long term as well as near term
- Along with generating 51.01% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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.
46.02%
5.10
26.20%
S&P 500
15.76%
1.22
13.15%
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
34.32%
Pledged Shares
0
Institutional Holding
92.20%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.98
EV to EBIT
8.99
EV to EBITDA
8.41
EV to Capital Employed
0.98
EV to Sales
2.27
PEG Ratio
0.02
Dividend Yield
313.32%
ROCE (Latest)
10.91%
ROE (Latest)
11.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 61.4 MM
ROCE(HY)
Highest at 1.32%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.82%
NII(Q)
Highest at USD 53.36 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 26.09 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.41 %
PRE-TAX PROFIT(Q)
Highest at USD 25.6 MM
NET PROFIT(Q)
Highest at USD 21.18 MM
EPS(Q)
Highest at USD 1.04
-3What is not working for the Company
ROCE(HY)
Lowest at 1.32%
CASH AND EQV(HY)
Lowest at USD 115.83 MM
Here's what is working for Financial Institutions, Inc.
Credit Deposit Ratio
Highest at 0.82% 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 (%)
NII
Highest at USD 53.36 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 61.4 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 26.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.41 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 25.6 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 21.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.04
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 11.76%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Financial Institutions, Inc.
Cash and Eqv
Lowest at USD 115.83 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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