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Financial Institutions, Inc. (FISI) vs Shore Bancshares Inc (SHBI)

Financial Institutions, Inc. and Shore Bancshares Inc are both Banks Regional companies. Financial Institutions, Inc. and Shore Bancshares Inc are of similar size ($771.3M and $744.8M). Financial Institutions, Inc. trades at the lower P/E: 9.7× against 10.9×. Financial Institutions, Inc. grew revenue faster over the last twelve months: 46.3% against 2.75%. Financial Institutions, Inc. has the higher net margin (21.4% vs 19.7%) and the lower return on invested capital (10.0% vs 22.4%). Both pay a dividend; Financial Institutions, Inc. yields more (3.21% vs 2.32%). Across the 19 metrics below, Financial Institutions, Inc. leads on 10 and Shore Bancshares Inc on 9.

Valuation

Metric FISI SHBI Banks Regional median
P/E 9.68 10.93 12.02
P/S 2.05 2.15 2.36
P/B 1.24 1.21 1.23
Price to free cash flow 13.83 9.31 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.33% 9.15% 8.21%
Free cash flow yield 7.23% 10.74% 9.23%

Profitability

Metric FISI SHBI Banks Regional median
Gross margin 67.21% 69.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.40% 19.69% 18.82%
Free cash flow margin 14.85% 23.08% 17.97%
Return on equity 13.41% 11.47% 10.28%
Return on assets 1.30% 1.08% 1.13%
Return on invested capital 10.00% 22.41% 8.45%

Growth

Metric FISI SHBI Banks Regional median
Revenue growth (TTM) 46.26% 2.75% 6.37%
EPS growth (last fiscal year) 235.94% 34.85% 18.85%
Revenue growth, 5-year CAGR 13.07% 37.23% 12.65%
Net income growth, 5-year CAGR 14.77% 30.49% 9.81%

Health

Metric FISI SHBI Banks Regional median
Debt to equity 0.12 0.14 0.17
Current ratio 0.88 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FISI SHBI Banks Regional median
Dividend yield 3.21% 2.32% 2.49%
Payout ratio 0.32 0.25 0.29

Size

Metric FISI SHBI Banks Regional median
Market cap 771.28m 744.76m 934.85m

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