Reviewing Financial Institutions Inc. (FISI)’s and South State Corporation (NASDAQ:SSB)’s results

We will be comparing the differences between Financial Institutions Inc. (NASDAQ:FISI) and South State Corporation (NASDAQ:SSB) as far as risk, analyst recommendations, institutional ownership, profitability, dividends, earnings and valuation are concerned. The two businesses are rivals in the Regional – Mid-Atlantic Banks industry.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Financial Institutions Inc. 150.41M 3.05 38.06M 2.39 12.62
South State Corporation 645.18M 3.86 178.87M 4.84 14.71

Table 1 highlights Financial Institutions Inc. and South State Corporation’s top-line revenue, earnings per share and valuation. South State Corporation appears to has higher revenue and earnings than Financial Institutions Inc. The company that Currently has a lower price-to-earnings ratio is considered the more affordable of the two businesses. Financial Institutions Inc.’s current price-to-earnings ratio is lower than that of South State Corporation, which means that it is the affordable of the two.

Profitability

Table 2 provides us Financial Institutions Inc. and South State Corporation’s net margins, return on assets and return on equity.

Net Margins Return on Equity Return on Assets
Financial Institutions Inc. 25.30% 10.7% 0.9%
South State Corporation 27.72% 7.6% 1.2%

Volatility and Risk

A 0.96 beta indicates that Financial Institutions Inc. is 4.00% less volatile compared to Standard and Poor’s 500. In other hand, South State Corporation has beta of 1.22 which is 22.00% more volatile than Standard and Poor’s 500.

Dividends

Financial Institutions Inc. pays out an annual dividend of $0.96 per share while its dividend yield is 3.31%. Meanwhile, South State Corporation’s annual dividend is $1.38 per share and it also boasts of a 1.96% dividend yield.

Analyst Ratings

The following table delivered below contains the ratings and recommendations for Financial Institutions Inc. and South State Corporation.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Financial Institutions Inc. 0 0 0 0.00
South State Corporation 1 0 0 1.00

Meanwhile, South State Corporation’s consensus target price is $57, while its potential downside is -19.38%.

Institutional & Insider Ownership

Institutional investors held 71.1% of Financial Institutions Inc. shares and 79.4% of South State Corporation shares. Financial Institutions Inc.’s share held by insiders are 0.8%. Comparatively, insiders own roughly 1.4% of South State Corporation’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Financial Institutions Inc. -0.3% 12.23% 0.37% -7.67% -2.75% 17.12%
South State Corporation 0.03% 7.26% -1.79% -13.89% -18.15% 18.72%

For the past year Financial Institutions Inc. has weaker performance than South State Corporation

Summary

On 15 of the 15 factors South State Corporation beats Financial Institutions Inc.