Financial Retained Earnings vs Long Term Debt Analysis

FISI Stock

USD 27.83 0.37 1.35%

Financial Institutions financial indicator trend analysis is much more than just examining Financial Institutions latest accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Financial Institutions is a good investment. Please check the relationship between Financial Institutions Retained Earnings and its Long Term Debt accounts. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Financial Institutions. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more detail on how to invest in Financial Stock please use our How to Invest in Financial Institutions guide.

Retained Earnings vs Long Term Debt

Retained Earnings vs Long Term Debt Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Financial Institutions Retained Earnings account and Long Term Debt. At this time, the significance of the direction appears to have almost identical trend.

The correlation between Financial Institutions' Retained Earnings and Long Term Debt is 0.91. Overlapping area represents the amount of variation of Retained Earnings that can explain the historical movement of Long Term Debt in the same time period over historical financial statements of Financial Institutions, assuming nothing else is changed. The correlation between historical values of Financial Institutions' Retained Earnings and Long Term Debt is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Retained Earnings of Financial Institutions are associated (or correlated) with its Long Term Debt. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Long Term Debt has no effect on the direction of Retained Earnings i.e., Financial Institutions' Retained Earnings and Long Term Debt go up and down completely randomly.

Correlation Coefficient

0.91

Relationship Direction	Positive
Relationship Strength	Very Strong

View All Relationships

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.

Long Term Debt

Long-term debt is a debt that Financial Institutions has held for over one year. Long-term debt appears on Financial Institutions balance sheet and also includes long-term leases. The most common forms of long term debt are bonds payable, long-term notes payable, mortgage payable, pension liabilities, and lease liabilities. In the corporate world, long-term debt is generally used to fund big-ticket items, such as machinery, buildings, and land. The total of long-term debt reported on Financial Institutions balance sheet is the sum of the balances of all categories of long-term debt. Debt that is not due within the current year and is often considered to be financing activities that are to be repaid over several years.

Most indicators from Financial Institutions' fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Financial Institutions current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Financial Institutions. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more detail on how to invest in Financial Stock please use our How to Invest in Financial Institutions guide.As of now, Financial Institutions' Tax Provision is increasing as compared to previous years. The Financial Institutions' current Enterprise Value is estimated to increase to about 247.7 M, while Selling General Administrative is projected to decrease to under 48.9 M.

	2021	2022	2023	2024 (projected)
Interest Expense	12.5M	28.7M	120.4M	126.4M
Depreciation And Amortization	5.6M	5.8M	910K	864.5K

Interest Expense Depreciation And Amortization

Financial Institutions fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Common Stock Total Equity	Common Stock	Other Liab	Accounts Payable	Long Term Debt	Short Term Investments
Total Assets		0.35	-0.01	0.31	-0.08	0.92	0.12	0.8	0.86	0.4	0.15	0.22	0.41	0.86	0.15	-0.19	0.99	0.65	0.0	0.1	0.95	0.95	0.59	0.06	0.65	0.66
Short Long Term Debt Total	0.35		0.55	0.16	0.52	0.22	0.96	0.12	0.39	0.08	0.09	0.86	0.03	0.41	0.05	0.51	0.26	-0.04	0.65	0.96	0.42	0.42	-0.12	0.01	-0.03	-0.07
Other Current Liab	-0.01	0.55		-0.18	0.4	-0.14	0.51	-0.22	0.08	-0.25	-0.25	0.61	-0.12	0.12	-0.38	0.34	-0.08	-0.32	0.72	0.59	0.1	0.1	-0.4	0.28	-0.23	-0.24
Total Current Liabilities	0.31	0.16	-0.18		0.6	0.34	0.16	0.64	0.26	0.98	0.9	0.04	-0.51	0.12	0.89	0.33	0.26	0.68	-0.44	-0.01	0.37	0.39	0.7	-0.62	0.76	0.17
Total Stockholder Equity	-0.08	0.52	0.4	0.6		-0.15	0.62	-0.01	-0.2	0.51	0.61	0.61	-0.52	-0.11	0.57	0.66	-0.2	0.01	0.3	0.5	0.05	0.06	0.02	-0.26	0.11	-0.15
Property Plant And Equipment Net	0.92	0.22	-0.14	0.34	-0.15		0.05	0.81	0.79	0.44	0.21	0.07	0.42	0.69	0.22	-0.06	0.93	0.81	-0.11	-0.01	0.82	0.82	0.72	-0.19	0.65	0.77
Net Debt	0.12	0.96	0.51	0.16	0.62	0.05		-0.06	0.17	0.06	0.16	0.84	-0.09	0.17	0.13	0.68	0.03	-0.14	0.66	0.97	0.2	0.2	-0.21	-0.12	-0.18	-0.16
Retained Earnings	0.8	0.12	-0.22	0.64	-0.01	0.81	-0.06		0.72	0.73	0.46	-0.01	0.17	0.7	0.46	-0.17	0.82	0.9	-0.36	-0.11	0.75	0.77	0.87	-0.23	0.91	0.6
Cash	0.86	0.39	0.08	0.26	-0.2	0.79	0.17	0.72		0.29	0.01	0.11	0.22	0.76	0.04	-0.12	0.87	0.53	-0.1	0.18	0.86	0.86	0.52	-0.09	0.57	0.35
Non Current Assets Total	0.4	0.08	-0.25	0.98	0.51	0.44	0.06	0.73	0.29		0.89	-0.01	-0.39	0.2	0.88	0.23	0.36	0.77	-0.48	-0.11	0.43	0.45	0.79	-0.57	0.83	0.31
Non Currrent Assets Other	0.15	0.09	-0.25	0.9	0.61	0.21	0.16	0.46	0.01	0.89		0.04	-0.54	-0.01	0.89	0.36	0.09	0.54	-0.4	-0.02	0.22	0.24	0.52	-0.61	0.55	0.2
Other Assets	0.22	0.86	0.61	0.04	0.61	0.07	0.84	-0.01	0.11	-0.01	0.04		0.15	0.38	0.0	0.51	0.13	-0.17	0.84	0.86	0.29	0.29	-0.22	0.2	-0.14	0.05
Cash And Short Term Investments	0.41	0.03	-0.12	-0.51	-0.52	0.42	-0.09	0.17	0.22	-0.39	-0.54	0.15		0.51	-0.38	-0.37	0.46	0.12	0.36	0.03	0.25	0.24	0.09	0.49	-0.09	0.58
Common Stock Shares Outstanding	0.86	0.41	0.12	0.12	-0.11	0.69	0.17	0.7	0.76	0.2	-0.01	0.38	0.51		-0.01	-0.35	0.86	0.4	0.2	0.25	0.88	0.88	0.39	0.38	0.46	0.57
Non Current Liabilities Total	0.15	0.05	-0.38	0.89	0.57	0.22	0.13	0.46	0.04	0.88	0.89	0.0	-0.38	-0.01		0.34	0.1	0.56	-0.42	-0.05	0.21	0.23	0.63	-0.62	0.51	0.26
Other Stockholder Equity	-0.19	0.51	0.34	0.33	0.66	-0.06	0.68	-0.17	-0.12	0.23	0.36	0.51	-0.37	-0.35	0.34		-0.27	0.01	0.35	0.55	-0.18	-0.17	-0.02	-0.65	-0.11	-0.18
Total Liab	0.99	0.26	-0.08	0.26	-0.2	0.93	0.03	0.82	0.87	0.36	0.09	0.13	0.46	0.86	0.1	-0.27		0.66	-0.07	0.02	0.93	0.93	0.61	0.08	0.66	0.67
Property Plant And Equipment Gross	0.65	-0.04	-0.32	0.68	0.01	0.81	-0.14	0.9	0.53	0.77	0.54	-0.17	0.12	0.4	0.56	0.01	0.66		-0.44	-0.25	0.55	0.56	0.93	-0.47	0.86	0.66
Total Current Assets	0.0	0.65	0.72	-0.44	0.3	-0.11	0.66	-0.36	-0.1	-0.48	-0.4	0.84	0.36	0.2	-0.42	0.35	-0.07	-0.44		0.75	0.01	0.01	-0.52	0.45	-0.51	-0.02
Short Term Debt	0.1	0.96	0.59	-0.01	0.5	-0.01	0.97	-0.11	0.18	-0.11	-0.02	0.86	0.03	0.25	-0.05	0.55	0.02	-0.25	0.75		0.19	0.18	-0.32	0.07	-0.27	-0.2
Common Stock Total Equity	0.95	0.42	0.1	0.37	0.05	0.82	0.2	0.75	0.86	0.43	0.22	0.29	0.25	0.88	0.21	-0.18	0.93	0.55	0.01	0.19		1.0	0.53	0.09	0.6	0.59
Common Stock	0.95	0.42	0.1	0.39	0.06	0.82	0.2	0.77	0.86	0.45	0.24	0.29	0.24	0.88	0.23	-0.17	0.93	0.56	0.01	0.18	1.0		0.54	0.08	0.61	0.59
Other Liab	0.59	-0.12	-0.4	0.7	0.02	0.72	-0.21	0.87	0.52	0.79	0.52	-0.22	0.09	0.39	0.63	-0.02	0.61	0.93	-0.52	-0.32	0.53	0.54		-0.48	0.83	0.62
Accounts Payable	0.06	0.01	0.28	-0.62	-0.26	-0.19	-0.12	-0.23	-0.09	-0.57	-0.61	0.2	0.49	0.38	-0.62	-0.65	0.08	-0.47	0.45	0.07	0.09	0.08	-0.48		-0.33	0.02
Long Term Debt	0.65	-0.03	-0.23	0.76	0.11	0.65	-0.18	0.91	0.57	0.83	0.55	-0.14	-0.09	0.46	0.51	-0.11	0.66	0.86	-0.51	-0.27	0.6	0.61	0.83	-0.33		0.38
Short Term Investments	0.66	-0.07	-0.24	0.17	-0.15	0.77	-0.16	0.6	0.35	0.31	0.2	0.05	0.58	0.57	0.26	-0.18	0.67	0.66	-0.02	-0.2	0.59	0.59	0.62	0.02	0.38

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Financial Institutions Account Relationship Matchups

Financial Institutions fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	3.9B	4.4B	5.0B	5.3B	6.2B	3.2B
Short Long Term Debt Total	314.8M	78.9M	74.4M	279.2M	343.3M	217.7M
Other Current Liab	(275.5M)	(5.3M)	(538K)	(211.0M)	(204.4M)	(194.2M)
Total Current Liabilities	275.5M	5.3M	538K	205M	3.3B	3.4B
Total Stockholder Equity	(14.5M)	2.1M	(13.6M)	(137.5M)	454.8M	477.5M
Property Plant And Equipment Net	41.4M	40.6M	62.2M	73.1M	71.4M	41.7M
Net Debt	162.6M	(88.6M)	(78.6M)	148.8M	218.9M	132.2M
Retained Earnings	313.4M	324.9M	384.0M	421.3M	451.7M	474.3M
Cash	112.9M	93.9M	79.1M	130.5M	124.4M	71.0M
Non Current Assets Total	893.3M	1.0B	1.5B	1.3B	6.0B	6.3B
Non Currrent Assets Other	(11.5M)	(23.5M)	(21.7M)	(71.1M)	4.8B	5.0B
Other Assets	2.5B	2.7B	2.2B	2.8B	3.3B	3.2B
Cash And Short Term Investments	530.9M	721.9M	1.3B	1.1B	124.4M	118.2M
Common Stock Shares Outstanding	16.0M	16.1M	15.9M	15.5M	15.5M	14.2M
Liabilities And Stockholders Equity	3.9B	4.4B	5.0B	5.3B	6.2B	3.2B
Non Current Liabilities Total	39.3M	73.6M	73.9M	205M	5.7B	6.0B
Other Stockholder Equity	(330.9M)	(342.3M)	(401.8M)	104.3M	105.6M	110.9M
Total Liab	3.9B	4.4B	5.0B	5.4B	5.7B	3.0B
Property Plant And Equipment Gross	41.4M	40.6M	117.1M	132.3M	134.5M	141.2M
Total Current Assets	530.9M	721.9M	1.3B	1.1B	124.4M	118.2M
Short Term Debt	275.5M	5.3M	538K	205M	185M	162.6M
Accumulated Other Comprehensive Income	(14.5M)	2.1M	(13.2M)	(137.5M)	(119.9M)	(113.9M)
Other Liab	45.2M	44.9M	84.6M	102.0M	117.3M	123.2M
Accounts Payable	3.6B	4.3B	4.8B	6.0M	19.4M	18.4M
Long Term Debt	39.3M	73.6M	73.9M	74.2M	124.5M	130.8M
Short Term Investments	417.9M	628.1M	1.2B	954.4M	887.7M	651.3M
Inventory	468K	(146.8M)	(97.2M)	(151.4M)	100.0M	105.0M
Treasury Stock	(2.0M)	(1.2M)	(9.2M)	(22.3M)	(20.1M)	(19.1M)
Intangible Assets	8.9M	7.7M	7.3M	6.3M	5.4M	5.2M
Property Plant Equipment	41.4M	60.6M	40.1M	42.0M	48.3M	40.5M
Other Current Assets	124.7M	112.5M	97.2M	151.4M	149.7M	142.2M
Net Tangible Assets	329.4M	377.2M	430.7M	297.6M	342.2M	290.5M
Retained Earnings Total Equity	313.4M	324.9M	384.0M	421.3M	484.5M	273.6M
Capital Surpluse	124.6M	125.1M	126.1M	126.6M	145.6M	110.8M
Long Term Investments	4.0B	900.0M	4.8B	5.0B	1.1B	2.1B
Non Current Liabilities Other	74.8M	86.7M	84.6M	183.0M	210.5M	221.0M

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When determining whether Financial Institutions offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Financial Institutions' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Financial Institutions Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Financial Institutions Stock:

How To Invest In Financial

Details

Is Financial Stock a good investment?

Details

What is Financial Institutions' Net Worth?

Details

Largest Banks - Regional Companies

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Largest Financial Services Companies

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Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Financial Institutions. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more detail on how to invest in Financial Stock please use our How to Invest in Financial Institutions guide.

You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Financial Institutions. If investors know Financial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Financial Institutions listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.04)

Dividend Share

1.2

Earnings Share

3.17

Revenue Per Share

14.042

Quarterly Revenue Growth

(0.08)

The market value of Financial Institutions is measured differently than its book value, which is the value of Financial that is recorded on the company's balance sheet. Investors also form their own opinion of Financial Institutions' value that differs from its market value or its book value, called intrinsic value, which is Financial Institutions' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Financial Institutions' market value can be influenced by many factors that don't directly affect Financial Institutions' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Financial Institutions' value and its price as these two are different measures arrived at by different means. Investors typically determine if Financial Institutions is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Financial Institutions' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Financial Retained Earnings vs Long Term Debt Analysis

Retained Earnings vs Long Term Debt

Retained Earnings vs Long Term Debt Correlation Analysis

Correlation Coefficient

Retained Earnings

Long Term Debt

Financial Institutions fundamental ratios Correlations

Financial Institutions Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Financial Institutions fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Common Stock	+ 1.0	Common Stock Total Equity
Total Liab	+ 0.99	Total Assets
Non Current Assets Total	+ 0.98	Total Current Liabilities
Short Term Debt	+ 0.97	Net Debt
Net Debt	+ 0.96	Short Long Term Debt Total
Short Term Debt	+ 0.96	Short Long Term Debt Total

Accounts Payable	- 0.65	Other Stockholder Equity
Accounts Payable	- 0.62	Non Current Liabilities Total
Accounts Payable	- 0.62	Total Current Liabilities
Accounts Payable	- 0.61	Non Currrent Assets Other
Accounts Payable	- 0.57	Non Current Assets Total
Cash And Short Term Investments	- 0.54	Non Currrent Assets Other