Financial Institutions Inc
NASDAQ:FISI
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Intrinsic Value
The intrinsic value of one FISI stock under the Base Case scenario is 40.45 USD. Compared to the current market price of 27.9 USD, Financial Institutions Inc is Undervalued by 31%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Financial Institutions Inc
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Fundamental Analysis
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Balance Sheet Decomposition
Financial Institutions Inc
Net Loans | 4.4B |
Investments | 1.1B |
Intangibles | 60.9m |
Other Assets | 651.7m |
Total Deposits | 5.3B |
Short Term Debt | 55m |
Long Term Debt | 124.8m |
Other Liabilities | 169.6m |
Wall St
Price Targets
FISI Price Targets Summary
Financial Institutions Inc
According to Wall Street analysts, the average 1-year price target for FISI is 28.31 USD with a low forecast of 27.27 USD and a high forecast of 29.93 USD.
Dividends
Current shareholder yield for FISI is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
FISI Insider Trading
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Description
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.
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The intrinsic value of one FISI stock under the Base Case scenario is 40.45 USD.
Compared to the current market price of 27.9 USD, Financial Institutions Inc is Undervalued by 31%.