Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/ec70ab65-38d8-4232-9c54-70cbc33a392d/
FISI
Financial Institutions IncSnapshot 2026-07-26 · 0.6w · Fresh
Strategy Eligibility
7 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 9.7
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
4.5%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 55%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 68%
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.55
⚡
Risk-Adj Momentum
RAM 2.31
V
Value Analysis
Cheapness relative to fundamentals
68.0%ile
P/E
9.7×
P/S
2.5×
P/B
0.7×
E/P
0.0580
FCF Yield
0.029
EBITDA/EV
0.061
SH Yield
0.045
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
35.00000000
/100 — 1=cheapest
VC2 (Trending Value)
31.00000000
/100
VC3 (Buyback)
34.00000000
/100
P/E of 9.7x places this firmly in deep value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
21.0%ile
ROE
0.068
ROA
0.014
Net Margin
0.262
Op Margin
0.156
GPA
0.032
D/E
3.72
Current
9.13
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.226
Stability
6.033
lower=better
Accruals
0.011
lower=better
5yr Consist
No
Highly leveraged with D/E of 3.72 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
88.0%ile
6M Return
29.3%
12M Return
62.2%
12-1 Mom
55.5%
Risk-Adj
2.31
Vol 252d
24.0%
Vol 60d
48.5%
↑ Expanding
Max DD 12M
-13.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 55% is very strong — a clear uptrend. Risk-adjusted momentum of 2.31 is excellent — strong returns relative to volatility. Near-term vol (48%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.75
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
26.5%
Sector Quality %ile
4.0%
P/E z-score
-0.28
P/B z-score
-0.07
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Cheap for a Reason?
Looks cheap (68th value) but weak quality (21th). Classic value trap risk.
Growth at Reasonable Price
Revenue growing 23% with P/E of 10×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (48%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
62.5% avg (7 factors)
Quality
D
44.3% avg (8 factors)
Momentum
A
89.2% avg (4 factors)
Risk
A
76.6% 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
Score Trends8 snapshots
Factor Persistence8 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.750 | —8 | — | |
| Value %ile | 0.680 | —0 | — | |
| Quality %ile | 0.210 | —1 | — | |
| Momentum %ile | 0.880 | —8 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.970 | —8 | — | |
| Volatility | 0.240 | —0 | — |
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.68
Earnings Yield (E/P)
0.0580
Price / Sales
2.53
Price / Book
0.66
Price / Cash Flow
42.53
FCF Yield
2.9%
EBITDA / EV
6.1%
Sales Yield (1/P·S)
0.3721
Shareholder Yield
Div + net buyback / mktcap
4.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
6.8%
Return on Assets
1.4%
Net Margin
26.2%
Operating Margin
15.6%
Gross Profit / Assets
Novy-Marx GPA
3.2%
Debt / Equity
3.72
Current Ratio
9.13
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.011
External Financing
Net issuance — lower=better
0.002
MomentumPrice trend strength over different horizons
6M Return
29.3%
12M Return
62.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
55.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
2.31
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
22.6%
Earnings Stability (CV)
Lower = more stable
6.033
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
3.1%
Buyback Yield
1.4%
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
35
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
31
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
34
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