Is Financial Institutions Stock a Good Investment?
Financial Institutions Investment Advice | FISI |
- Examine Financial Institutions' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Financial Institutions' leadership team and their track record. Good management can help Financial Institutions navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Financial Institutions' business and its evolving consumer preferences.
- Compare Financial Institutions' performance and market position to its competitors. Analyze how Financial Institutions is positioned in terms of product offerings, innovation, and market share.
- Check if Financial Institutions pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Financial Institutions' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Financial Institutions stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Financial Institutions is a good investment.
Sell | Buy |
Buy
Market Performance | Modest | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Financial Institutions Stock
Researching Financial Institutions' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 71.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.89. Some equities with similar Price to Book (P/B) outperform the market in the long run. Financial Institutions has Price/Earnings To Growth (PEG) ratio of 1.91. The entity last dividend was issued on the 13th of December 2024.
To determine if Financial Institutions is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Financial Institutions' research are outlined below:
| Financial Institutions has a poor financial position based on the latest SEC disclosures | |
| About 71.0% of the company shares are owned by institutional investors | |
| On 2nd of October 2024 Financial Institutions paid $ 0.3 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Financial Institutions, Inc. to Issue Quarterly Dividend of 0.30 |
Financial Institutions Quarterly Good Will |
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Financial Institutions uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Financial Institutions. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Financial Institutions' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Financial Institutions' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Financial Institutions' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2009-04-22 | 2009-03-31 | 0.17 | 0.19 | 0.02 | 11 | ||
2009-10-22 | 2009-09-30 | 0.26 | 0.23 | -0.03 | 11 | ||
2006-01-26 | 2005-12-31 | 0.25 | 0.22 | -0.03 | 12 | ||
2011-04-27 | 2011-03-31 | 0.37 | 0.33 | -0.04 | 10 | ||
2007-07-26 | 2007-06-30 | 0.31 | 0.27 | -0.04 | 12 | ||
2007-04-26 | 2007-03-31 | 0.25 | 0.29 | 0.04 | 16 | ||
2016-01-26 | 2015-12-31 | 0.49 | 0.44 | -0.05 | 10 | ||
2014-04-23 | 2014-03-31 | 0.45 | 0.5 | 0.05 | 11 |
Know Financial Institutions' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Financial Institutions is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Financial Institutions backward and forwards among themselves. Financial Institutions' institutional investor refers to the entity that pools money to purchase Financial Institutions' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Canandaigua National Bank & Trust Co | 2024-09-30 | 289.9 K | State Street Corp | 2024-06-30 | 266.3 K | Modern Wealth Management Llc | 2024-09-30 | 194.8 K | Northern Trust Corp | 2024-09-30 | 189.2 K | Zacks Investment Management Inc | 2024-09-30 | 184.8 K | Prudential Financial Inc | 2024-09-30 | 183 K | Bank Of New York Mellon Corp | 2024-06-30 | 155.3 K | Hotchkis & Wiley Capital Management Llc | 2024-09-30 | 145.1 K | Bridgeway Capital Management, Llc | 2024-09-30 | 136.4 K | Pl Capital Advisors, Llc | 2024-09-30 | 1.8 M | Blackrock Inc | 2024-06-30 | 1.4 M |
Financial Institutions' market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 431.73 M.Market Cap |
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Financial Institutions' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.11 | 0.10 |
Determining Financial Institutions' profitability involves analyzing its financial statements and using various financial metrics to determine if Financial Institutions is a good buy. For example, gross profit margin measures Financial Institutions' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Financial Institutions' profitability and make more informed investment decisions.
Evaluate Financial Institutions' management efficiency
The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.02. As of now, Financial Institutions' Intangibles To Total Assets are increasing as compared to previous years. The Financial Institutions' current Debt To Assets is estimated to increase to 0.05, while Total Assets are projected to decrease to under 3.2 B. Financial Institutions' management efficiency ratios could be used to measure how well Financial Institutions manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 29.58 | 16.40 | |
| Tangible Book Value Per Share | 24.86 | 12.44 | |
| Enterprise Value Over EBITDA | 7.68 | 7.30 | |
| Price Book Value Ratio | 0.72 | 0.68 | |
| Enterprise Value Multiple | 7.68 | 7.30 | |
| Price Fair Value | 0.72 | 0.68 | |
| Enterprise Value | 244.7 M | 247.7 M |
Leadership at Financial Institutions emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield 0.043 | Forward Dividend Yield 0.043 | Forward Dividend Rate 1.2 | Beta 0.917 |
Basic technical analysis of Financial Stock
As of the 25th of November, Financial Institutions shows the Mean Deviation of 1.75, downside deviation of 1.99, and Coefficient Of Variation of 1067.47. Financial Institutions technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Financial Institutions' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Financial Institutions insiders, such as employees or executives, is commonly permitted as long as it does not rely on Financial Institutions' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Financial Institutions insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Financial Institutions' Outstanding Corporate Bonds
Financial Institutions issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Financial Institutions uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Financial bonds can be classified according to their maturity, which is the date when Financial Institutions has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| International Game Technology Corp BondUS460599AD57 | View |
Understand Financial Institutions' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Financial Institutions' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0789 | |||
| Market Risk Adjusted Performance | 0.1054 | |||
| Mean Deviation | 1.75 | |||
| Semi Deviation | 1.8 | |||
| Downside Deviation | 1.99 | |||
| Coefficient Of Variation | 1067.47 | |||
| Standard Deviation | 2.6 | |||
| Variance | 6.76 | |||
| Information Ratio | 0.0434 | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.18) | |||
| Sortino Ratio | 0.0568 | |||
| Treynor Ratio | 0.0954 | |||
| Maximum Drawdown | 18.3 | |||
| Value At Risk | (3.22) | |||
| Potential Upside | 4.07 | |||
| Downside Variance | 3.94 | |||
| Semi Variance | 3.24 | |||
| Expected Short fall | (2.04) | |||
| Skewness | 2.03 | |||
| Kurtosis | 9.56 |
| Risk Adjusted Performance | 0.0789 | |||
| Market Risk Adjusted Performance | 0.1054 | |||
| Mean Deviation | 1.75 | |||
| Semi Deviation | 1.8 | |||
| Downside Deviation | 1.99 | |||
| Coefficient Of Variation | 1067.47 | |||
| Standard Deviation | 2.6 | |||
| Variance | 6.76 | |||
| Information Ratio | 0.0434 | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.18) | |||
| Sortino Ratio | 0.0568 | |||
| Treynor Ratio | 0.0954 | |||
| Maximum Drawdown | 18.3 | |||
| Value At Risk | (3.22) | |||
| Potential Upside | 4.07 | |||
| Downside Variance | 3.94 | |||
| Semi Variance | 3.24 | |||
| Expected Short fall | (2.04) | |||
| Skewness | 2.03 | |||
| Kurtosis | 9.56 |
Consider Financial Institutions' intraday indicators
Financial Institutions intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Financial Institutions stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Financial Institutions Corporate Filings
8K | 20th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 12th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 6th of August 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 5th of August 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
Financial Stock media impact
Far too much social signal, news, headlines, and media speculation about Financial Institutions that are available to investors today. That information is available publicly through Financial media outlets and privately through word of mouth or via Financial internal channels. However, regardless of the origin, that massive amount of Financial data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Financial Institutions news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Financial Institutions relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Financial Institutions' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Financial Institutions alpha.
Financial Institutions Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Financial Institutions can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Financial Institutions Corporate Management
| Sandra Byers | Controller VP | Profile | |
| William II | CFO VP | Profile | |
| Shelly Doran | IR Contact Officer | Profile | |
| Kate Croft | Director Relations | Profile |
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 USA ETFs module to find actively traded Exchange Traded Funds (ETF) in USA.
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.
In summary, please note that there is a difference between Financial Institutions' value and its price, as these two are different measures arrived at by various 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.