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Stoxline Mobile
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Financial Institutions, Inc. (FISI)

16.71   -0.15 (-0.89%) 09-27 16:00
Open: 16.86 Pre. Close: 16.86
High: 17.22 Low: 16.67
Volume: 25,592 Market Cap: 257(M)

Technical analysis

as of: 2023-09-27 4:19:19 PM
Short-term rate:       
Stoxline posted a SELL today, same as yesterday. Downward movement continues.
Mid-term rate:       
Target: Six months: 21.33     One year: 22.53
Support: Support1: 16.61    Support2: 13.81
Resistance: Resistance1: 18.26    Resistance2: 19.29
Pivot: 17.02
Moving Average: MA(5): 16.93     MA(20): 17.11
MA(100): 17.15     MA(250): 20.69
MACD: MACD(12,26): -0.3     Signal(9): -0.3
Stochastic oscillator: %K(14,3): 27.9     %D(3): 27.5
RSI: RSI(14): 39.8
52-week: High: 26.86  Low: 13.84
Average Vol(K): 3-Month: 43 (K)  10-Days: 37 (K)

Price, moving averages and Bollinger Bands

Price has closed below its short-term moving average. Short-term moving average is currently below mid-term; and below long-term moving average. From the relationship between price and moving averages: This stock is BEARISH in short-term; and NEUTRAL in mid-long term.
[ FISI ] has closed above bottom band by 10.9%. Bollinger Bands are 63.4% narrower than normal. The narrow width of the bands suggests low volatility as compared to its normal range. The bands have been in this narrow range for 6 bars. This is a sign that the market may be about to initiate a new trend.

Stock Price Prediction

Update at 5:00pm EST
If tomorrow: Open lower Open higher
High: 17.51 - 17.6 17.6 - 17.67
Low: 16.63 - 16.72 16.72 - 16.79
Close: 16.72 - 16.87 16.87 - 16.99

Company Description

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

Headline News

Wed, 27 Sep 2023
The past five years for Financial Institutions (NASDAQ:FISI) investors has not been profitable - Yahoo Finance

Wed, 20 Sep 2023
Financial Institutions, Inc. Announces Controller Retirement and ... - GlobeNewswire

Mon, 18 Sep 2023
Blake Jones Named Chief Marketing Officer of Five Star Bank - Yahoo Finance

Tue, 29 Aug 2023
Analyst Rating: Will Financial Institutions Inc (FISI) Stock Beat the Market? - InvestorsObserver

Sun, 30 Jul 2023
Financial Institutions, Inc. (NASDAQ:FISI) Q2 2023 Earnings Call Transcript - Yahoo Finance

Thu, 27 Jul 2023
Financial Institutions, Inc. Announces Second Quarter 2023 Results - GlobeNewswire

Financial Analysis

Price to Book Value: Outperform
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Price to Earnings: Outperform
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Discounted cash flow: Outperform
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Return on Assets: Neutral
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Return on Equity: Neutral
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Debt to Equity: Outperform
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Free Technical Analysis Charts

Stock Basics & Statistics

Exchange:  NASDAQ
Sector:  Financial Services
Industry:  Banks—Regional
Shares Out. 15 (M)
Shares Float 15 (M)
% Held by Insiders 2.4 (%)
% Held by Institutions 66.9 (%)
Shares Short 86 (K)
Shares Short P.Month 91 (K)

Stock Financials

EPS 3.29
EPS Est Next Qtl 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 26.53
Profit Margin (%) 26.3
Operating Margin (%) 35
Return on Assets (ttm) 0.8
Return on Equity (ttm) 12.3
Qtrly Rev. Growth -3.5
Gross Profit (p.s.) 13
Sales Per Share 12.88
EBITDA (p.s.) 0
Qtrly Earnings Growth -8.2
Operating Cash Flow 67 (M)
Levered Free Cash Flow 0 (M)

Stock Valuations

PE Ratio 5.06
PEG Ratio 0.6
Price to Book value 0.62
Price to Sales 1.29
Price to Cash Flow 3.86

Stock Dividends

Dividend 0.3
Forward Dividend 0
Dividend Yield 1.7%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.
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