Financial Institutions Inc
NASDAQ:FISI

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Financial Institutions Inc
NASDAQ:FISI
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Price: 27.9 USD 1.6% Market Closed
Market Cap: 431.6m USD
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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:

FISI Intrinsic Value
40.45 USD
Undervaluation 31%
Intrinsic Value
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Financial Institutions Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

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

Wall Street analysts forecast FISI stock price to rise over the next 12 months.

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.

Lowest
Price Target
27.27 USD
2% Downside
Average
Price Target
28.31 USD
1% Upside
Highest
Price Target
29.93 USD
7% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

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?

Shareholder Yield
Dividend Yield
Lowest
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Buyback Yield
Lowest
Average
Highest

Ownership

FISI Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Financial Institutions Inc Logo
Financial Institutions Inc

Country

United States of America

Industry

Banking

Market Cap

431.7m USD

Dividend Yield

4.3%

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.

Contact

NEW YORK
Warsaw New York
220 Liberty St
+15857861100.0
financialinstitutionsinc.q4ir.com

IPO

1999-06-25

Employees

625

Officers

President, CEO & Director
Mr. Martin K. Birmingham
Executive VP, CFO & Treasurer
Mr. William Jack Plants II
Executive VP, Chief Legal Officer & Corporate Secretary
Mr. Samuel J. Burruano Jr.
Chief Human Resources Officer
Ms. Laurie R. Collins
Senior VP & Chief Commercial Banking Officer
Mr. Kevin B. Quinn
Senior VP, Controller & Principal Accounting Officer
Ms. Sandra L. Byers
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Director of Investor & External Relations
Ms. Kate Croft
Senior VP & Chief Marketing Officer
Ms. Blake G. Jones
Senior VP, Director of Financial Planning & Analysis and Tax
Mr. Michael David Grover CPA
Senior VP, Commercial Real Estate Executive & Finger Lakes/Southern Tier NY Regional President
Mr. Craig J. Burton
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See Also

Discover More
What is the Intrinsic Value of one FISI stock?

The intrinsic value of one FISI stock under the Base Case scenario is 40.45 USD.

Is FISI stock undervalued or overvalued?

Compared to the current market price of 27.9 USD, Financial Institutions Inc is Undervalued by 31%.

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