Financial Institutions Inc (FISI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Financial Institutions Inc stock (FISI) is currently trading at $31.25. Financial Institutions Inc PE ratio is 8.47. Financial Institutions Inc PS ratio (Price-to-Sales) is 2.64. Analyst consensus price target for FISI is $37.00. WallStSmart rates FISI as Buy.
- FISI PE ratio analysis and historical PE chart
- FISI PS ratio (Price-to-Sales) history and trend
- FISI intrinsic value — DCF, Graham Number, EPV models
- FISI stock price prediction 2025 2026 2027 2028 2029 2030
- FISI fair value vs current price
- FISI insider transactions and insider buying
- Is FISI undervalued or overvalued?
- Financial Institutions Inc financial analysis — revenue, earnings, cash flow
- FISI Piotroski F-Score and Altman Z-Score
- FISI analyst price target and Smart Rating
Financial Institutions Inc
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FISI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Financial Institutions Inc (FISI)
FISI trades at a significant discount to its Graham intrinsic value of $127.94, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Financial Institutions Inc (FISI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Financial Institutions Inc (FISI) Key Strengths (6)
Keeps $41 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 30.00% year-over-year
Keeps $32 of every $100 in revenue as net profit
81.93% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
Financial Institutions Inc (FISI) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.64x sales
Solid earnings growth at 17.90%
Financial Institutions Inc (FISI) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.7/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including PEG Ratio (1.41), Price/Book (0.98) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.20%, Profit Margin at 32.10%. Growth metrics are encouraging with Revenue Growth at 30.00%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.64) suggest expensive pricing. Growth concerns include EPS Growth at 17.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 30.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FISI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FISI's Price-to-Sales ratio of 2.64x trades 19% below its historical average of 3.24x (16th percentile). The current valuation is 47% below its historical high of 5x set in Dec 2016, and 380% above its historical low of 0.55x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Financial Institutions Inc (FISI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Financial Institutions Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 233M with 30% growth year-over-year. Profit margins are strong at 32.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 30% YoY, reaching 233M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1250.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Financial Institutions Inc maintain 30%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 405.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Financial Institutions Inc.
Bottom Line
Financial Institutions Inc offers an attractive blend of growth (30% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(1 last 3 months)
| Insider | Type | Shares |
|---|---|---|
PLANTS, WILLIAM JACK II Chief Financial Officer | Buy | +660 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:13 AM
About Financial Institutions Inc(FISI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.