FISI
Financial Institutions, Inc.Financial Services · $772M market cap
Verdict
Share price
$39.98
close of Oct 3, 2026
Fair value
$39.62
Sticker Price
Payback Price
$15.85
buy price
FISI is Fairly Valued: at $39.98 it's right at its fair value of $39.62. Its buy price (Payback Price) is $15.85, 60% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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Since Sep 2, 2026: 1 open-market purchase worth $25K. Why purchases matter
Purchases
About Financial Institutions, Inc.
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works