Financial Institutions, Inc. (FISI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

West Bancorporation, Inc.

Peoples Financial Services Corp.

ACNB Corp.

Bridgewater Bancshares, Inc.

First Bank (Hamilton, New Jersey)

Home Bancorp, Inc.

Financial Institutions, Inc.

Citizens & Northern Corp.

Sierra Bancorp

MVB Financial Corp.

Carter Bankshares, Inc.

Why is Financial Institutions, Inc. ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 10.31%

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -179.09%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Risky - Negative EBITDA

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 9.04%, its profits have fallen by -109.3%

Real-Time Research Report

Verdict Report

How 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.

16.98%

2.52

31.05%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.02%

EBIT Growth (5y)

-207.37%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

94.43%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.89

EV to EBIT

-13.82

EV to EBITDA

-16.51

EV to Capital Employed

0.88

EV to Sales

1.53

PEG Ratio

Dividend Yield

263.82%

ROCE (Latest)

-6.39%

ROE (Latest)

-0.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

NET PROFIT(HY)

Higher at USD 34.47 MM

NII(Q)

Highest at USD 49.12 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 36.64%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 87.97%

NET SALES(Q)

Highest at USD 82.87 MM

-10What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 33.04 MM

CASH AND EQV(HY)

Lowest at USD 146.21 MM

PRE-TAX PROFIT(Q)

Fallen at -28.7%

NET PROFIT(Q)

Fallen at -31.59%

Here's what is working for Financial Institutions, Inc.

NII

Highest at USD 49.12 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 82.87 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 87.97%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Highest at 36.64%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at USD 1.92 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

CASA

Highest at 11.17%

in the last five periods

MOJO 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.

Operating Cash Flow

Lowest at USD 33.04 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Pre-Tax Profit

Fallen at -28.7%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Fallen at -31.59%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Cash and Eqv

Lowest at USD 146.21 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents