Historical Valuation
Financial Institutions Inc (FISI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.16 is considered Fairly compared with the five-year average of 7.47. The fair price of Financial Institutions Inc (FISI) is between 30.51 to 38.30 according to relative valuation methord.
Relative Value
Fair Zone
30.51-38.30
Current Price：32.22
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Financial Institutions Inc (FISI) has a current Price-to-Book (P/B) ratio of 1.03. Compared to its 3-year average P/B ratio of 0.80 , the current P/B ratio is approximately 27.71% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 15.22% higher. Financial Institutions Inc (FISI) has a Forward Free Cash Flow (FCF) yield of approximately 3.32%. Compared to its 3-year average FCF yield of 13.42%, the current FCF yield is approximately -75.30% lower. Relative to its 5-year average FCF yield of 15.38% , the current FCF yield is about -78.44% lower.
P/B
Median3y
0.80
Median5y
0.89
FCF Yield
Median3y
13.42
Median5y
15.38
Competitors Valuation Multiple
AI Analysis for FISI
The average P/S ratio for FISI competitors is 2.73, providing a benchmark for relative valuation. Financial Institutions Inc Corp (FISI.O) exhibits a P/S ratio of 2.44, which is -10.81% above the industry average. Given its robust revenue growth of 31.09%, this premium appears sustainable.
Performance Decomposition
AI Analysis for FISI
1Y
3Y
5Y
Market capitalization of FISI increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of FISI in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is FISI currently overvalued or undervalued?
Financial Institutions Inc (FISI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.16 is considered Fairly compared with the five-year average of 7.47. The fair price of Financial Institutions Inc (FISI) is between 30.51 to 38.30 according to relative valuation methord.
What is Financial Institutions Inc (FISI) fair value?
FISI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Financial Institutions Inc (FISI) is between 30.51 to 38.30 according to relative valuation methord.
How does FISI's valuation metrics compare to the industry average?
The average P/S ratio for FISI's competitors is 2.73, providing a benchmark for relative valuation. Financial Institutions Inc Corp (FISI) exhibits a P/S ratio of 2.44, which is -10.81% above the industry average. Given its robust revenue growth of 31.09%, this premium appears sustainable.
What is the current P/B ratio for Financial Institutions Inc (FISI) as of Jan 10 2026?
As of Jan 10 2026, Financial Institutions Inc (FISI) has a P/B ratio of 1.03. This indicates that the market values FISI at 1.03 times its book value.
What is the current FCF Yield for Financial Institutions Inc (FISI) as of Jan 10 2026?
As of Jan 10 2026, Financial Institutions Inc (FISI) has a FCF Yield of 3.32%. This means that for every dollar of Financial Institutions Inc’s market capitalization, the company generates 3.32 cents in free cash flow.
What is the current Forward P/E ratio for Financial Institutions Inc (FISI) as of Jan 10 2026?
As of Jan 10 2026, Financial Institutions Inc (FISI) has a Forward P/E ratio of 8.16. This means the market is willing to pay $8.16 for every dollar of Financial Institutions Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Financial Institutions Inc (FISI) as of Jan 10 2026?
As of Jan 10 2026, Financial Institutions Inc (FISI) has a Forward P/S ratio of 2.44. This means the market is valuing FISI at $2.44 for every dollar of expected revenue over the next 12 months.