Financial Institutions, Inc.
NASDAQ Global SelectTotal Valuation
Financial Institutions, Inc. carries a market capitalization of 739.81M, placing it among publicly traded companies globally. Its enterprise value stands at 690.60M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 739.81M |
| Enterprise Value | 690.60M |
Share Statistics
Financial Institutions, Inc. currently has 19.69M shares outstanding.
| Shares Outstanding | 19.69M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Financial Institutions, Inc. trades at a trailing price-to-earnings ratio of 8.18. The price-to-sales ratio is 2.54, and the price-to-book ratio stands at 1.40.
| PE Ratio | 8.18 |
| PS Ratio | 2.54 |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.14 |
| P/FCF Ratio | 22.06 |
| P/OCF Ratio | 26.76 |
Enterprise Valuation
On an enterprise value basis, Financial Institutions, Inc. trades at an EV/EBITDA multiple of 88.83 and an EV/FCF ratio of 23.76.
| EV / Sales | 2.77 |
| EV / EBITDA | 88.83 |
| EV / EBIT | N/A |
| EV / FCF | 23.76 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 35.56 |
| Debt / EBITDA | 28.90 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 18.22 |
| Return on Assets (ROA) | 1.25 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Financial Institutions, Inc. has paid 16.59M in income taxes, reflecting an effective tax rate of 17.36.
| Income Tax | 16.59M |
| Effective Tax Rate | 17.36 |
Stock Price Statistics
Financial Institutions, Inc.'s stock has gained approximately 51.34917% over the past 52 weeks. The 50-day moving average sits at 35.03, while the 200-day moving average is 31.42.
| Beta (5Y) | N/A |
| 52-Week Price Change | 51.34917% |
| 50-Day Moving Average | 35.03 |
| 200-Day Moving Average | 31.42 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Financial Institutions, Inc. generated 249.16M in revenue and converted that into 78.97M in net income, yielding earnings per share of 3.90.
| Revenue | 249.16M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 95.56M |
| Net Income | 78.97M |
| EBITDA | 7.77M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 3.90 |
Balance Sheet
Financial Institutions, Inc. holds 185.24M in cash and equivalents against 224.64M in total debt, resulting in a net debt position of 107.17M.
| Cash & Cash Equivalents | 185.24M |
| Total Debt | 224.64M |
| Net Debt | 107.17M |
| Equity (Book Value) | 451.69M |
| Book Value Per Share | 22.59 |
| Working Capital | N/A |
Cash Flow
Financial Institutions, Inc. produced 23.69M in operating cash flow over the past twelve months. After subtracting -5.38M in capital expenditures, free cash flow totaled 18.31M - equivalent to 0.92 per share.
| Operating Cash Flow | 23.69M |
| Capital Expenditures | -5.38M |
| Free Cash Flow | 18.31M |
| FCF Per Share | 0.92 |
Margins
Financial Institutions, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 38.35 |
| Profit Margin | 31.70 |
| EBITDA Margin | 3.12 |
Dividends & Yields
The company's payout ratio of 32.17 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.32 |
| Dividend Yield | N/A |
| Payout Ratio | 32.17 |
| Shareholder Yield | 10.39 |
| FCF Yield | 4.53 |
Scores
Financial Institutions, Inc. posts an Altman Z-Score of 0.21, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.21 |