On the stock market since 1999, it operates in the world of money and finance. It has 631 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 16% a year over the last 4 years. Red columns mark years that ended in a loss.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 20% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 3 years, sales grew about 16% a year on average.
Over the last 12 months, company executives reported 24 buys and 15 sells. Management buying with its own money is usually read as a good sign.
The stock trades 10% above the average analyst price target.
On our five-subject report card, FISI sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: FISI is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.