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Total Debt / Total Capital for Financial Institutions Inc

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FISI: Financial Institutions Inc

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New Y...

26.05 USD

Price

– USD

Fair Value

–

Upside

16.29 - 29.79

52-week range

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Analysis

Fiscal Years

Trailing Twelve Months

Fiscal Halfs

Fiscal Quarters

Daily

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The following section summarizes insights on Financial Institutions Inc's Total Debt / Total Capital:

Performance Summary

Financial Institutions's latest twelve months total debt / total capital is 35.6%
Financial Institutions's total debt / total capital for fiscal years ending December 2020 to 2024 averaged 30.9%.
Financial Institutions's operated at median total debt / total capital of 35.6% from fiscal years ending December 2020 to 2024.
Looking back at the last 5 years, Financial Institutions's total debt / total capital peaked in December 2023 at 45.2%.
Financial Institutions's total debt / total capital hit its 5-year low in December 2021 of 17.8%.
Financial Institutions's total debt / total capital decreased in 2020 (19.3%, -44.2%), 2021 (17.8%, -8.1%), and 2024 (35.6%, -21.3%) and increased in 2022 (36.6%, +105.6%) and 2023 (45.2%, +23.7%).

How does Financial Institutions's Total Debt / Total Capital benchmark against competitors?

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We've identified the following companies as similar to Financial Institutions Inc because they operate in a related industry or sector. We also considered size, growth, and various financial metrics to narrow down the list to the ones listed below.

Financial Institutions Total Debt / Total Capital Benchmarks
Name	Ticker	Total Debt / Total Capital
Hbt Financial Inc	NASDAQGS:HBT	16.3%
South State Corp	NYSE:SSB	17.3%
Financials	SECTOR:FIN.US	20.1%
CNB Financial Corporation	NASDAQGS:CCNE	23.5%
Trustmark Corporation	NASDAQGS:TRMK	30.7%
Enterprise Bancorp Inc	NASDAQGS:EBTC	33.5%
Univest Corporation Pennsylvania	NASDAQGS:UVSP	34.2%
Financial Institutions Inc	NASDAQGS:FISI	35.6%
Sandy Spring Bancorp Inc	NASDAQGS:SASR	36.7%
Camden National Corporation	NASDAQGS:CAC	45.5%
Washington Trust Bancorp Inc	NASDAQGS:WASH	68.4%
Hingham Institution for Savings	NASDAQGM:HIFS	74.6%

Metric Usage: Total Debt / Total Capital

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debt_to_capital

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number

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text

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current

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FY, LTM

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Free

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To view the full list of supported financial metrics please see Complete Metrics Listing.

Similar Metrics

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Metrics similar to Total Debt / Total Capital in the risk category include:

FCF / Net Income - This data item measures the ratio of levered free cash flow to net income to common, excluding extra items. It is a quick and helpful check on the quality of earnings.
Realized Volatility (90d Annualized) - Realized volatility (also known as rolling volatility) over the last 90 days.
Net Debt / Total Capital - A ratio that measures the level of the net debt relative to the market value of total capital. Net debt is the sum of all long term debt fields minus cash and short-term investments.
Total Debt / Total Assets - A ratio that measures a company's total debt as a percentage of total assets.

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Total Debt / Total Capital

A ratio that measures the level of the debt relative to the market value of total capital.

Definition of Total Debt / Total Capital

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Total Debt / Total Capital is defined as:

Total Capital = Market Cap + Total Debt
Total Debt / Total Capital = Total Debt / Total Capital

The higher the percentage, the more debt the company has in its capital structure and the lower the equity cushion. In times of distress, a high Debt / Total Capital increases the chances of default or bankruptcy.

Click the link below to download a spreadsheet with an example Total Debt / Total Capital calculation for Financial Institutions Inc below:

Sector Benchmark Analysis

Sector

Industry Group

Industry

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The chart above depicts the distribution of total debt / total capital for companies operating in the Financials sector in the Developed economic region. Over 2,940 companies were considered in this analysis, and 2,882 had meaningful values. The average total debt / total capital of companies in the sector is 24.5% with a standard deviation of 28.0%.

Financial Institutions Inc's Total Debt / Total Capital of 35.6% ranks in the 69.8% percentile for the sector. The following table provides additional summary stats:

Total Debt / Total Capital In The Financials Sector
Economic Risk Region	Developed
Total Constituents	2,943
Included Constituents	2,882
Min	0.0%
Max	92.8%
Median	12.1%
Mean	24.5%
Standard Deviation	28.0%

You can find companies with similar total debt / total capital using this stock screener.