Financial Institutions, Inc. cash flow to debt ratio of 5.63% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Financial Institutions, Inc.'s free cash flow has decreased 81.63% from $72.15M last year to $13.25M, signaling decreasing performance

Financial Institutions, Inc.'s debt to equity ratio is 0.45, which means that the company's assets are healthy financed, signaling financial stability.

Financial Institutions, Inc.'s debt has decreased relative to shareholder equity from 0.45 last year to 0.45 today, signaling strengthened financials

Financial Institutions, Inc. has a net debt to EBITDA ratio of 2.27x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Financial Institutions, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Financial Institutions, Inc.'s profit margin has increased (-266.06%) in the last year from -15.76% to 26.18%, signaling increasing performance

Financial Institutions, Inc.'s short-term liabilities of $5.34B exceed its short-term assets of $133.85M, signaling financial risk

Financial Institutions, Inc.'s return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization

Financial Institutions, Inc.'s return on equity of 13.09%, is lower than 15.00%, indicating bad performance

Financial Institutions, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Financial Institutions, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Financial Institutions, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Financial Institutions, Inc. has a free cash flow yield of 1.63%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Financial Institutions, Inc.'s yearly earnings has increased -279.77% since last year from $-41.65M to $74.87M, signaling increasing performance

Financial Institutions, Inc.'s yearly revenue has decreased 82.98% since last year from $264.17M to $44.95M, signaling decreasing performance

ROIC 0.64% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Financial Institutions, Inc.'s 3-year revenue CAGR of 16.17% is positive, indicating growing revenue over the past 3 years

Financial Institutions, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Financial Institutions, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Financial Institutions, Inc. has insufficient data to evaluate this check.

Financial Institutions, Inc. has an earnings yield of 10.18%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Financial Institutions, Inc. is overvalued relative to its fair value price of 21.04 based on EBITDA multiple model

Financial Institutions, Inc. has an EV/EBITDA ratio of 10.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Financial Institutions, Inc. is undervalued relative to its fair value price of 87.92 based on Earnings Fair Value model

Financial Institutions, Inc. has a PEG-ratio over 1 which is considered overvalued

Financial Institutions, Inc. has a price-to-book ratio of 1.26x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Financial Institutions, Inc. has a price-to-sales ratio of 2.57x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue