FISI Quote, Financials, Valuation and Earnings

Evans Bancorp has a net margin of 27.08% compared to Financial Institutions's net margin of 20.42%. Financial Institutions's return on equity of -8.54% beat Evans Bancorp's return on equity of 6.65%.

Financial Institutions has a consensus price target of $32.00, signalling upside risk potential of 37.4%. On the other hand Evans Bancorp has an analysts' consensus of $45.50 which suggests that it could grow by 21.4%. Given that Financial Institutions has higher upside potential than Evans Bancorp, analysts believe Financial Institutions is more attractive than Evans Bancorp.

Financial Institutions has a beta of 0.680, which suggesting that the stock is 32.019% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.745, suggesting its less volatile than the S&P 500 by 25.462%.

Financial Institutions has a quarterly dividend of $0.31 per share corresponding to a yield of 5.2%. Evans Bancorp offers a yield of 3.52% to investors and pays a quarterly dividend of $0.66 per share. Financial Institutions pays -47.96% of its earnings as a dividend. Evans Bancorp pays out 60.97% of its earnings as a dividend. Evans Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Financial Institutions quarterly revenues are -$50.2M, which are smaller than Evans Bancorp quarterly revenues of $18.3M. Financial Institutions's net income of -$82.8M is lower than Evans Bancorp's net income of $3.7M. Notably, Financial Institutions's price-to-earnings ratio is 8.29x while Evans Bancorp's PE ratio is 17.43x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions is 3.21x versus 3.00x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

OptimumBank Holdings has a net margin of 27.08% compared to Financial Institutions's net margin of 38.34%. Financial Institutions's return on equity of -8.54% beat OptimumBank Holdings's return on equity of 15.06%.

Financial Institutions has a consensus price target of $32.00, signalling upside risk potential of 37.4%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.50 which suggests that it could grow by 37.16%. Given that Financial Institutions has higher upside potential than OptimumBank Holdings, analysts believe Financial Institutions is more attractive than OptimumBank Holdings.

Financial Institutions has a beta of 0.680, which suggesting that the stock is 32.019% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.305, suggesting its less volatile than the S&P 500 by 69.476%.

Financial Institutions has a quarterly dividend of $0.31 per share corresponding to a yield of 5.2%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Financial Institutions pays -47.96% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend.

Financial Institutions quarterly revenues are -$50.2M, which are smaller than OptimumBank Holdings quarterly revenues of $10.3M. Financial Institutions's net income of -$82.8M is lower than OptimumBank Holdings's net income of $4M. Notably, Financial Institutions's price-to-earnings ratio is 8.29x while OptimumBank Holdings's PE ratio is 3.04x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions is 3.21x versus 1.00x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 27.08% compared to Financial Institutions's net margin of 28.72%. Financial Institutions's return on equity of -8.54% beat Park National's return on equity of 12.67%.

Financial Institutions has a consensus price target of $32.00, signalling upside risk potential of 37.4%. On the other hand Park National has an analysts' consensus of $170.00 which suggests that it could grow by 16.13%. Given that Financial Institutions has higher upside potential than Park National, analysts believe Financial Institutions is more attractive than Park National.

Financial Institutions has a beta of 0.680, which suggesting that the stock is 32.019% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.76%.

Financial Institutions has a quarterly dividend of $0.31 per share corresponding to a yield of 5.2%. Park National offers a yield of 2.9% to investors and pays a quarterly dividend of $1.07 per share. Financial Institutions pays -47.96% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Park National's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Financial Institutions quarterly revenues are -$50.2M, which are smaller than Park National quarterly revenues of $134.5M. Financial Institutions's net income of -$82.8M is lower than Park National's net income of $38.6M. Notably, Financial Institutions's price-to-earnings ratio is 8.29x while Park National's PE ratio is 15.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions is 3.21x versus 4.57x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 27.08% compared to Financial Institutions's net margin of 25.81%. Financial Institutions's return on equity of -8.54% beat Tompkins Financial's return on equity of 10.27%.

Financial Institutions has a consensus price target of $32.00, signalling upside risk potential of 37.4%. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 31.69%. Given that Financial Institutions has higher upside potential than Tompkins Financial, analysts believe Financial Institutions is more attractive than Tompkins Financial.

Financial Institutions has a beta of 0.680, which suggesting that the stock is 32.019% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.748, suggesting its less volatile than the S&P 500 by 25.208%.

Financial Institutions has a quarterly dividend of $0.31 per share corresponding to a yield of 5.2%. Tompkins Financial offers a yield of 4.24% to investors and pays a quarterly dividend of $0.62 per share. Financial Institutions pays -47.96% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Tompkins Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Financial Institutions quarterly revenues are -$50.2M, which are smaller than Tompkins Financial quarterly revenues of $76.2M. Financial Institutions's net income of -$82.8M is lower than Tompkins Financial's net income of $19.7M. Notably, Financial Institutions's price-to-earnings ratio is 8.29x while Tompkins Financial's PE ratio is 11.74x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Financial Institutions is 3.21x versus 2.81x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.