Financial Institutions, Inc. (FISI) fair value analysis

Nasdaq · Updated 2026-09-07

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.

Forward Fair Value verdict

Overvalued

Based on TickrTrends' weekly Forward Fair Value model, FISI is trading at more than a 25% premium to estimated fair value.

FISI currently ranks #157 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Overvalued for 3 consecutive weekly runs.

Last price: $42.59
Sector: Financial Services
12-month range: $26.35–$42.59

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C-
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

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 $26.35–$42.59.
The 14-day relative strength index sits at a neutral 50.

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

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

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.
Financial Institutions, Inc. 2026 Q2 - Results - Earnings Call Presentation (NASDAQ:FISI) 2026-07-28 (seekingalpha.com, 2026-07-28)
TickrTrends take: Financial Institutions, Inc. reported its 2026 Q2 results on July 28, with the company currently assessed as overvalued according to TickrTrends analysis. For investors focused on valuation metrics, the key consideration is whether the earnings and operational performance disclosed in the Q2 presentation justify the current market pricing relative to comparable Financial Services sector peers. Given the overvalued designation, monitoring management's guidance on profitability trends and capital allocation in the coming quarters will be important for determining if the valuation gap narrows or widens.

What people are saying

Follow the FISI conversation: Stocktwits · Reddit · X

TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is FISI stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), 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 #157 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is FISI overbought or oversold?

FISI's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

FISI vs ACIC · FISI vs COIN · FISI vs GAIN · FISI vs GBDC · FISI vs HAFC