COMP <GO>
FISI vs IBCP // DIVIDEND YIELD & FCF PAYOUT SAFETY
Financial Institutions Inc. (NASDAQ) VS. Independent Bank Corporation (NASDAQ) • 15-METRIC TALLY: FISI 2
— IBCP 5
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: FISI
LAST: $39.37 (-3.69%) • MKT CAP: $805.6M
dividend-safety
3.07%
LAST: $36.57 (-1.43%) • MKT CAP: $819.2M
dividend-safety
2.64%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FISI VS. IBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FISI | IBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 13.60% | -1.70 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 1.65% | 8.57% | -6.92 | IBCP | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 0.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 3.07% | 2.64% | +0.43 | FISI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | IBCP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 58.6 | -1.60 | IBCP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.0x | 11.2x | -1.20 | FISI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $805.6M | $819.2M | -$13.6M | IBCP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FISI REV | IBCP REV | FISI GROSS % | IBCP GROSS % | FISI FCF | IBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $32.1M | — | — | $13.3M | $70.2M |
| FY 2024 | $0 | $32.0M | — | — | $72.2M | $55.2M |
| FY 2023 | $0 | $32.9M | — | — | $10.9M | $75.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FISI // BETA —
IBCP // BETA —