Financial Institutions, Inc. (FISI) fair value analysis
Nasdaq · Updated 2026-10-19
FISI price how computed
Forward Fair Value verdict
OvervaluedFISI is trading at more than a 25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $39.31
- Sector
- Financial Services
- 12-month range
- $28.31–$42.70
- Market cap
- $775M
- From 52-week high
- -7.9%
- Shares outstanding
- 19.7M
- Rank in Financial Services by discount to fair value
- #150 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Financial Institutions, Inc. is a bank holding company that provides banking and financial services through its subsidiary banks. The company operates primarily in the northeastern United States, serving customers in New York and surrounding regions.
FISI currently ranks #150 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $775M
- P/E (trailing)
- 10x
- Revenue (TTM)
- $316M
- Net margin
- 26.2%
- EPS (TTM)
- $4.03
- Gross margin
- -4.1%
- Debt / equity
- 0.45
- Revenue growth (3-yr avg)
- -21.3%
- Shares outstanding
- 19.7M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Contracting
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 43 · neutral
- 50-day average
- $40.39
- 200-day average
- $36.29
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $1.27 per share (4 payments)
- Yield on last price
- 3.23%
- Consecutive years of increases
- 1
- Last ex-dividend date
- 2026-09-15
- Last payment date
- 2026-10-02
Earnings how computed
- Next earnings report
- 2026-10-29 (post-market)
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+11.8%)
2026-03 ▲ beat (+13.0%)
2025-12 ▲ beat (+1.1%)
2025-09 ▲ beat (+12.5%)
2025-06 ▲ beat (+2.4%)
2025-03 ▲ beat (+9.5%)
2024-12 ▼ miss (-3.6%)
2024-09 ▲ beat (+10.5%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 1 buy · 1 hold · 0 sell (2 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $45
- Target vs last price
- +14.5%
What our data shows for FISI
- Our model validated 14 trailing price-to-earnings windows for FISI, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $28.31–$42.70.
- The 14-day relative strength index sits at a neutral 43.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for FISI
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent FISI news
TickrTrends' derived news-sentiment signal for FISI is currently leaning positive, computed from recent coverage.
- Financial Institutions Inc (FISI) Director Mark Zupan Buys 608 Shares (gurufocus.com, 2026-09-04)
TickrTrends take: Director Mark Zupan's recent purchase of 608 shares at Financial Institutions Inc suggests management confidence in the company's prospects, though insider buying alone does not necessarily reconcile valuation concerns. Given TickrTrends' current overvalued assessment of FISI, investors focused on valuation metrics should monitor whether such insider transactions reflect conviction about future fundamentals or merely routine portfolio activity. In the Financial Services sector where FISI operates, insider accumulation patterns warrant observation alongside earnings trends and capital efficiency metrics to evaluate whether the stock's current valuation premium is justified. - Financial Institutions, Inc. Announces Quarterly Cash Dividend (manilatimes.net, 2026-08-26)
TickrTrends take: Financial Institutions, Inc. operates in the Financial Services sector where dividend sustainability and payout ratios are key metrics for assessing valuation reasonableness. TickrTrends currently rates FISI as overvalued, which means investors should evaluate whether the quarterly cash dividend can be maintained at current levels if earnings do not grow sufficiently to support both the payout and the stock's existing valuation multiples. A valuation-focused reader should monitor whether future dividend announcements are accompanied by earnings growth that justifies the current share price, or whether dividend sustainability becomes pressured by an overvalued market position.
What people are saying
Follow the FISI conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — Financial Services Index (FISI) has shifted from an uptrend to a mixed trend state in its 50/200-day trend analysis this week, according to TickrTrends' derived indicators. The index maintains an overvalued valuation verdict.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is FISI stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), FISI is trading at more than a 25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.
What is FISI's TickrTrends verdict?
FISI's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.
How does FISI compare to other Financial Services stocks?
FISI ranks #150 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is FISI overbought or oversold?
FISI's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does FISI pay a dividend?
Yes. FISI paid $1.27 per share over the last twelve months (4 payments), a 3.23% yield on TickrTrends' last price, and has raised the annual total for 1 consecutive year. The last ex-dividend date was 2026-09-15.
When does FISI report earnings next?
FISI's next earnings report is scheduled for 2026-10-29 (post-market), per the published earnings calendar.
Does FISI usually beat earnings estimates?
Over its last 8 reported quarters FISI beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about FISI?
Of 2 analysts covering FISI, 1 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $45 (+14.5% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
More in Financial Services
Head-to-head comparisons
FISI vs ACIC · FISI vs ACT · FISI vs CTBI · FISI vs FCBC · FISI vs GAIN