Headquartered within the financial services sector, Financial Institutions, Inc. focuses on Banks - Regional services and products. Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. Valued at $771.1M, FISI is a small-cap name in its sector. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
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On the balance sheet, FISI has $113.2M in cash with $250.3M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 12.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $212.3M to $243.5M.
With a beta below 0.7, Financial Institutions, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing FISI.