NASDAQ: FISIFinancial Institutions Inc Stock
$41.46+0.20 (+0.48%)
Updated Jul 31, 2026
FISI Price
$41.46
Fair Value Price
$57.15
Market Cap
$816.20M
52 Week Low
$24.62
52 Week High
$42.26
P/E
10.71x
P/B
1.29x
P/S
2.6x
PEG
1.87x
Dividend Yield
3.04%
Revenue
$239.43M
Earnings
$78.97M
Gross Margin
100%
Operating Margin
39.91%
Profit Margin
32.4%
Debt to Equity
8.97
Operating Cash Flow
$32M
Beta
0.78
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
FISI Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine FISI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
FISI
Ranked#107 of 287
Ranked#107 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $91.90 | A | |
| $30.12 | B | |
| $58.31 | B |
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FISI News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FISI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
FISI ($41.46) is undervalued by 27.45% relative to our estimate of its Fair Value price of $57.15 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FISI ($41.46) is significantly undervalued by 27.45% relative to our estimate of its Fair Value price of $57.15 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FISI ($41.46) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FISI due diligence checks available for Premium users.
Valuation
FISI fair value
Fair Value of FISI stock based on Discounted Cash Flow (DCF)
Price
$41.46
Fair Value
$57.15
Undervalued by
27.45%
FISI ($41.46) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FISI ($41.46) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FISI ($41.46) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
FISI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.71x
Industry
13.96x
Market
16.06x
FISI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FISI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
FISI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.29x
Industry
1.35x
FISI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
FISI price to earnings growth (PEG)
For valuing profitable companies with growth potential
FISI is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
FISI's financial health
Profit margin
Revenue
$60.4M
Net Income
$21.0M
Profit Margin
34.1%
FISI's Earnings (EBIT) of $95.56M... subscribe to Premium to read more.
Interest Coverage Financials
FISI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$6.3B
Liabilities
$5.7B
Debt to equity
8.97
FISI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
FISI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$23.7M
Investing
-$55.8M
Financing
$8.8M
FISI's operating cash flow ($32.49M)... subscribe to Premium to read more.
Debt Coverage Financials
FISI vs Bank Stocks
Financial Institutions Stock FAQ
Company
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