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Financial Institutions FISI Ratios & Valuation

FY'25FY'24FY'23FY'22
Profitability
Net margin30.6%23.5%-3.0pp26.5%-12.1pp
Returns
Return on equity12.5%+20.6pp-8.1%-19.8pp11.7%-0.7pp12.4%-3.5pp
Return on assets1.2%+1.9pp-0.7%-1.5pp0.8%-0.2pp1%-0.5pp
Efficiency
Asset turnover0.0×0.0×
Leverage
Debt-to-equity0.7×+0.1×0.6×-0.5×1.2×-0.1×1.3×+0.9×
Debt-to-assets0.1×0.0×0.1×0.0×0.1×0.0×0.1×+0.1×
Per Share
Book value per share$30.95-14.7%$36.28+23.4%$29.39+12.1%$26.22-17.3%
Valuation
Market capitalization$761.27M+54.0%$531.46M+62.0%$328.08M-12.2%$373.56M-25.8%
Enterprise value$900.46M+66.9%$886.1M+3.6%$855.2M-2.7%$878.86M+27.1%
Price / earnings9.6×6.5×-0.1×6.6×+0.1×
Price / sales1.5×-0.2×1.7×-0.7×
Price / book1.2×+0.4×0.9×+0.2×0.7×-0.2×0.9×-0.1×
EV / sales3.6×-0.1×4.1×+0.7×
Earnings yield10.4%+15.8pp-7.8%-23.2pp15.3%+0.2pp15.1%-0.3pp
Dividend yield3.3%-0.8pp3.5%-2.1pp5.6%+0.9pp4.7%+1.3pp

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Questions, answered.

Where do Financial Institutions's ratios come from?
Every ratio is computed from Financial Institutions's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.