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Financial Institutions FISI Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
KeyCorp logo
KeyCorpKEY
28.4%—
Capital City Bank Group logo
Capital City Bank GroupCCBG
29.5%+3.6pp
SMB
SmartFinancialSMBK
27.1%-4.1pp
Farmers National Banc Corp logo
Farmers National Banc CorpFMNB
16.1%-11.7pp
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
27.9%-13.9pp

Other financials

Income statement

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Revenue$62.7M+9.5%
Net income$21.0M+24.3%
EPS (diluted)$1.04+28.4%

Balance sheet

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Cash & equivalents$85.5M-48.9%
Total debt$224.6M+5.7%
Total equity$631.7M+7.1%
Total assets$6.3B-0.7%

Cash flow

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Operating cash flow$23.7M+137%
CapEx$650.0K-20.3%
Free cash flow$23.0M+151%

Valuation

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Market cap$761.27M+53.9%
Enterprise value$900.46M+66.8%
P/E9.6×—
P/S3×—

Profitability

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Net margin31.5%—

Returns & leverage

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Return on equity12.9%+10.1pp
Debt / equity0.4×0.0×

Where this comes from

Calculated from Financial Institutions’s reported figures.

free cash flow/total revenue=33%

Based on trailing twelve months.

The official record: Financial Institutions’s 10-Q, filed November 6, 2023, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's free cash flow margin?
Financial Institutions (FISI) reported free cash flow margin of 33% in Q3 2023.
How has Financial Institutions's free cash flow margin changed year-over-year?
Financial Institutions's free cash flow margin decreased by 51.5% year-over-year, from 68% to 33%.
What is the long-term trend for Financial Institutions's free cash flow margin?
Over 2 years (2020 to 2022), Financial Institutions's free cash flow margin has grown at a 65.0% compound annual growth rate (CAGR), from 21.5% to 58.6%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.