Financial Institutions Inc
NASDAQ:FISI
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Price/Deposits
Price to Deposits ratio compares a bank`s market value to the total customer deposits it holds. It reflects how much investors are paying for each dollar of deposits on the bank`s balance sheet.
Price to Deposits ratio compares a bank`s market value to the total customer deposits it holds. It reflects how much investors are paying for each dollar of deposits on the bank`s balance sheet.
Valuation Scenarios
If Price/Deposits returns to its 3-Year Average (0.1), the stock would be worth $18.88 (44% downside from current price).
| Scenario | Price/Deposits Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 0.1 | $33.71 |
0%
|
| 3-Year Average | 0.1 | $18.88 |
-44%
|
| 5-Year Average | 0.1 | $19.98 |
-41%
|
| Industry Average | 0.2 | $41.89 |
+24%
|
| Country Average | 0.2 | $42.31 |
+26%
|
Forward Price/Deposits
Today’s price vs future total deposits
Peer Comparison
| Market Cap | Price/Deposits | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Financial Institutions Inc
NASDAQ:FISI
|
667.4m USD | 0.1 | 9.1 | |
| US |
|
PNC Financial Services Group Inc
NYSE:PNC
|
88.4B USD | 0.2 | 12.9 | |
| US |
|
Truist Financial Corp
NYSE:TFC
|
63.2B USD | 0.2 | 12.2 | |
| US |
|
Fifth Third Bancorp
NASDAQ:FITB
|
45B USD | 0.2 | 22.2 | |
| US |
|
Huntington Bancshares Inc
NASDAQ:HBAN
|
33.2B USD | 0.1 | 16.1 | |
| US |
|
M&T Bank Corp
NYSE:MTB
|
31.6B USD | 0.2 | 11.4 | |
| CN |
|
Bank of Ningbo Co Ltd
SZSE:002142
|
211.4B CNY | 0.1 | 7.7 | |
| CN |
|
Bank of Jiangsu Co Ltd
SSE:600919
|
205.5B CNY | 0.1 | 6.4 | |
| US |
|
Citizens Financial Group Inc
NYSE:CFG
|
27.2B USD | 0.1 | 14.8 | |
| JP |
|
Resona Holdings Inc
TSE:8308
|
4.1T JPY | 0.1 | 15.4 | |
| US |
|
Regions Financial Corp
NYSE:RF
|
23.7B USD | 0.2 | 11.1 |
Market Distribution
| Min | 0 |
| 30th Percentile | 0.1 |
| Median | 0.2 |
| 70th Percentile | 0.2 |
| Max | 2.4 |
Other Multiples
Financial Institutions Inc
Glance View
Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Warsaw New York, New York and currently employs 625 full-time employees. The firm has six segments: Commercial Loans/Lines, Commercial Mortgage, Indirect Loans, Direct Loans, Residential Lines of Credit, and Residential Loans. The company offers a range of deposit, lending and other financial services to individuals, municipalities and businesses in Western and Central New York through its banking subsidiary, Five Star Bank (the Bank). Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. The company offers insurance services through its subsidiary, SDN Insurance Agency, LLC. The company offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiaries Courier Capital, LLC and HNP Capital, LLC. The company also offers banking as a service and financial technology solutions through its subsidiary Corn Hill Innovation Labs, LLC.
