Financial Institutions Valuation
| FISI Stock | USD 27.46 1.08 4.09% |
At this time, the firm appears to be overvalued. Financial Institutions shows a prevailing Real Value of $23.85 per share. The current price of the firm is $27.46. Our model computes the value of Financial Institutions from reviewing the firm fundamentals such as Shares Outstanding of 15.47 M, profit margin of 0.24 %, and Current Valuation of 384.68 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Financial Institutions' valuation include:
Price Book 0.8451 | Enterprise Value 384.7 M | Price Sales 1.8846 | Trailing PE 8.3218 | Enterprise Value Revenue 2.9107 |
Overvalued
Today
Please note that Financial Institutions' price fluctuation is not too volatile at this time. Calculation of the real value of Financial Institutions is based on 3 months time horizon. Increasing Financial Institutions' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Financial Institutions is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Financial Stock. However, Financial Institutions' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 27.46 | Real 23.85 | Target 21.0 | Hype 27.51 | Naive 26.77 |
The intrinsic value of Financial Institutions' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Financial Institutions' stock price.
Estimating the potential upside or downside of Financial Institutions helps investors to forecast how Financial stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Financial Institutions more accurately as focusing exclusively on Financial Institutions' fundamentals will not take into account other important factors: When choosing an evaluation method for Financial Institutions, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Financial Institutions Cash |
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Financial Valuation Trend
Financial Institutions' real value analysis enables investors to forecast the earnings more efficiently. Using both Financial Institutions' enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
Financial Institutions Total Value Analysis
Financial Institutions is currently projected to have valuation of 384.68 M with market capitalization of 408.21 M, debt of 343.32 M, and cash on hands of 147.9 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Financial Institutions fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
384.68 M | 408.21 M | 343.32 M | 147.9 M |
Financial Institutions Investor Information
About 71.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.85. 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 September 2024. Based on the key indicators related to Financial Institutions' liquidity, profitability, solvency, and operating efficiency, Financial Institutions is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.56 | 0.3065 |
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| Total Cash From Operating Activities | 10.3 M | 10.9 M |
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| Operating Income | 60.6 M | 63.1 M |
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Financial Institutions Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Financial signifies not a very effective usage of assets in November.Financial Institutions Ownership Allocation
Financial Institutions holds a total of 15.47 Million outstanding shares. The majority of Financial Institutions outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in Financial Institutions to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Financial Institutions. Please pay attention to any change in the institutional holdings of Financial Institutions as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Financial Institutions Profitability Analysis
The company reported the previous year's revenue of 48.24 M. Net Income was 50.26 M with profit before overhead, payroll, taxes, and interest of 200.33 M.Financial Institutions Past Distributions to stockholders
About Financial Institutions Valuation
An absolute valuation paradigm, as applied to Financial Stock, attempts to find the value of Financial Institutions based on its fundamental and basic technical indicators. By analyzing Financial Institutions's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Financial Institutions's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Financial Institutions. We calculate exposure to Financial Institutions's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Financial Institutions's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 48.2 M | 45.8 M | |
| Pretax Profit Margin | 0.31 | 0.22 | |
| Operating Profit Margin | 0.31 | 0.56 | |
| Net Profit Margin | 0.25 | 0.17 |
Financial Institutions Quarterly Retained Earnings |
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A single share of Financial Institutions represents a small ownership stake in the entity. As a stockholder of Financial, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Financial Institutions Dividends Analysis For Valuation
As of now, Financial Institutions' Dividend Yield is increasing as compared to previous years. The Financial Institutions' current Dividend Payout Ratio is estimated to increase to 0.52, while Dividends Paid is projected to decrease to under 11.7 M. . As of now, Financial Institutions' Retained Earnings are increasing as compared to previous years. The Financial Institutions' current Earning Assets is estimated to increase to about 761.5 M, while Retained Earnings Total Equity is projected to decrease to under 273.6 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 19.7 M | 11.7 M | |
| Dividend Yield | 0.06 | 0.06 | |
| Dividend Payout Ratio | 0.39 | 0.52 | |
| Dividend Paid And Capex Coverage Ratio | 0.48 | 0.46 |
There are various types of dividends Financial Institutions can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Financial shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Financial Institutions directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Financial pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Financial Institutions by the value of the dividends paid out.
Financial Institutions Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 15.5 M | |
| Quarterly Earnings Growth Y O Y | -0.045 |
Financial Institutions Current Valuation Indicators
Valuation refers to the process of determining the present value of Financial Institutions and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Financial we look at many different elements of the entity such as Financial's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Financial Institutions, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Financial Institutions' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Financial Institutions' worth.Complementary Tools for Financial Stock analysis
When running Financial Institutions' price analysis, check to measure Financial Institutions' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Financial Institutions is operating at the current time. Most of Financial Institutions' value examination focuses on studying past and present price action to predict the probability of Financial Institutions' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Financial Institutions' price. Additionally, you may evaluate how the addition of Financial Institutions to your portfolios can decrease your overall portfolio volatility.
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