Is Financial Institutions, Inc. (FISI) Overvalued?
We dive into why Financial Institutions, Inc. (FISI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Commentary & Analysis
Why Financial Institutions, Inc.’s (FISI) Stock Is Up 5.48%
As of Friday, July 24, Financial Institutions, Inc.’s FISI share price has surged by 5.48%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Financial Institutions, Inc.'s Q3 Earnings
Financial Institutions, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (FISI) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Financial Institutions, Inc.'s Q2 Earnings
Financial Institutions, Inc.'s fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (FISI) missed or beat analyst's expectations.Rosalio Madrigal
Why Financial Institutions, Inc.’s (FISI) Stock Is Down 5.22%
As of Monday, February 23, Financial Institutions, Inc.’s FISI share price has dipped by 5.22%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | FISI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $804.2 | $751.0 | 42% |
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| Shares Out (Mil) | 19.9 | 15.4 | 30% |
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| Institutional Ownership | 96.4% | 83.2% | 70% |
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| Float (Mil) | 17.3 | 21.8 | 27% |
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| Beta | 0.64 | 0.43 | 38% |
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| Avg Daily Volume (000s) | 141 | 42 | 39% |
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| Price Change (52-week) |
57.9% | 94.6% | 82% |
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| Growth | FISI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.5% | 7.7% | 52% |
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| Net Income (5yr) | 14.4% | 11.1% | 62% |
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| EPS (5yr) | 9.4% | 10.1% | 46 |
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| Dividends (5yr) | 3.6% | 3.6% | 83% |
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| Cash Flow (5yr) | 23.7% | (17.1%) | 82% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.050 | $4.190 | $4.300 | |
| Month Ago EPS | $1.015 | $4.015 | $4.200 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 2 | 2 | 0 | |
| Three Months Ago EPS | $1.015 | $4.015 | $4.190 | |
| Year/Year Chg | 1.0% | 16.1% | na | |
| Financials | FISI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $244 | $196 | 34% |
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| Net Income (TTM) (Mil) | $83 | $55 | 59% |
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| EPS (TTM) | $4.082 | $2.600 | 83% |
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| Operating Cash Flow (TTM) (Mil) | $61 | $36 | 48% |
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| Net Cash Flow (TTM) (Mil) | $6 | $2 | 53% |
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| Long-Term Debt (Q1) (Mil) | $109 | $101 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FISI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.28 | 1.25 | 32% |
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| P/E | 10.1 | 12.5 | 17% |
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| Dividend Yield | 3.1% | 2.2% | 85% |
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| PEG (5yr hist) | 1.1 | 1.1 | 48% |
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| Ratios | FISI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 33.9% | 29.1% | 92% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 13.7% | 11.3% | 68% |
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| Liabilities to Assets | 89.8% | 89.7% | 85% |
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| F-Score | 5 | 4 | 50% |
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Financial Institutions, Inc. did not pass any screens on 8/20/2026.
