Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/ec70ab65-38d8-4232-9c54-70cbc33a392d/
FISI
Financial Institutions IncSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.758
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 9.4
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.7%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +42%
🔄
Shareholder Yield
3.6%
💰
High Yield
Div 3.6%
🚀
Momentum Leaders
12-1 43%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 81th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.68
V
Value Analysis
Cheapness relative to fundamentals
81.0%ile
P/E
9.4×
P/S
2.0×
P/B
1.2×
E/P
0.1068
FCF Yield
0.050
EBITDA/EV
0.117
SH Yield
0.036
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
23.00000000
/100 — 1=cheapest
VC2 (Trending Value)
18.00000000
/100
VC3 (Buyback)
18.00000000
/100
P/E of 9.4x places this firmly in deep value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
71.0%ile
ROE
0.125
ROA
0.013
Net Margin
0.209
Op Margin
0.253
GPA
0.038
D/E
8.97
Current
0.04
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.421
Stability
5.565
lower=better
Accruals
0.007
lower=better
5yr Consist
No
Highly leveraged with D/E of 8.97 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
83.0%ile
6M Return
22.7%
12M Return
50.3%
12-1 Mom
43.4%
Risk-Adj
1.68
Vol 252d
25.8%
Vol 60d
57.8%
↑ Expanding
Max DD 12M
-13.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 43% is very strong — a clear uptrend. Risk-adjusted momentum of 1.68 is excellent — strong returns relative to volatility. Near-term vol (58%) is expanding vs long-term (26%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
50.9%
Sector Quality %ile
39.5%
P/E z-score
-0.22
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (81th) and quality (71th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (81th value) with strong momentum (83th). The market is starting to recognise the value.
Growth at Reasonable Price
Revenue growing 42% with P/E of 9×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (58%) significantly exceeds 252-day (26%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
71.6% avg (7 factors)
Quality
D
34.9% avg (8 factors)
Momentum
A
78.3% avg (4 factors)
Risk
B
73.7% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is confirming the value — this is the Trending Value signal that O'Shaughnessy found to be among the most powerful.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.930 | —1 | — | |
| Value %ile | 0.810 | —1 | — | |
| Quality %ile | 0.710 | —1 | — | |
| Momentum %ile | 0.830 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.970 | —1 | — | |
| Volatility | 0.258 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.36
Earnings Yield (E/P)
0.1068
Price / Sales
1.95
Price / Book
1.17
Price / Cash Flow
22.76
FCF Yield
5.0%
EBITDA / EV
11.7%
Sales Yield (1/P·S)
0.4468
Shareholder Yield
Div + net buyback / mktcap
3.6%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
12.5%
Return on Assets
1.3%
Net Margin
20.9%
Operating Margin
25.3%
Gross Profit / Assets
Novy-Marx GPA
3.8%
Debt / Equity
8.97
Current Ratio
0.04
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.007
MomentumPrice trend strength over different horizons
6M Return
22.7%
12M Return
50.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
43.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.68
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
42.1%
Earnings Stability (CV)
Lower = more stable
5.565
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
3.6%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
23
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
18
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
18
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity