FISI Relative Valuation
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. If the market price exceeds this fair value range, FISI is overvalued; if below, it's undervalued.
Historical Valuation
Financial Institutions Inc (FISI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.14 is considered Fairly compared with the five-year average of 7.46. The fair price of Financial Institutions Inc (FISI) is between 28.17 to 35.81 according to relative valuation methord.
Relative Value
Fair Zone
28.17-35.81
Current Price：31.27
Fair
8.14
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Financial Institutions Inc. (FISI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Financial Institutions Inc. (FISI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
2.46
PS
Financial Institutions Inc. (FISI) has a current PS of 2.46. The 5-year average PS is 1.91. The thresholds are as follows: Strongly Undervalued below 1.05, Undervalued between 1.05 and 1.48, Fairly Valued between 2.34 and 1.48, Overvalued between 2.34 and 2.77, and Strongly Overvalued above 2.77. The current Forward PS of 2.46 falls within the Overvalued range.
0.00
P/OCF
Financial Institutions Inc. (FISI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Financial Institutions Inc. (FISI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Financial Institutions Inc (FISI) has a current Price-to-Book (P/B) ratio of 1.04. Compared to its 3-year average P/B ratio of 0.80 , the current P/B ratio is approximately 29.60% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 17.30% higher. Financial Institutions Inc (FISI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 14.47%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 15.47% , the current FCF yield is about -100.00% lower.
1.04
P/B
Median3y
0.80
Median5y
0.89
3.27
FCF Yield
Median3y
14.47
Median5y
15.47
Competitors Valuation Multiple
The average P/S ratio for FISI's competitors is , providing a benchmark for relative valuation. Financial Institutions Inc Corp (FISI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 31.09%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of FISI increased by 17.08% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 43.29M to 56.74M.
The secondary factor is the Margin Expansion, contributed 16.01%to the performance.
Overall, the performance of FISI in the past 1 year is driven by Revenue Growth. Which is more sustainable.
People Also Watch
FAQ
Is Financial Institutions Inc (FISI) currently overvalued or undervalued?
What is Financial Institutions Inc (FISI) fair value?
How does FISI's valuation metrics compare to the industry average?
What is the current P/B ratio for Financial Institutions Inc (FISI) as of Dec 05 2025?
What is the current FCF Yield for Financial Institutions Inc (FISI) as of Dec 05 2025?
What is the current Forward P/E ratio for Financial Institutions Inc (FISI) as of Dec 05 2025?