$34.28
0.06 (-0.17%)
Last updated: Apr 16, 2026 00:47
Fundamentals Overview
Financial Institutions, Inc. is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
-26.7% downside vs price
Profitability
Risk (Beta)
0.65 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: A · 3M vs S&P 500: +9.3% · 3M vs Financial Services sector: +15.6%
Pressures (Sell):
DCF 26.7% downside vs price · Sentiment weakening (4 downgrades)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A. Recent institutional grades: majority downgrades. Current institutional positions: Equal Weight: 2, Market Perform: 19, Neutral: 2, Outperform: 4, Overweight: 2, Perform: 1.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $25.12; current price is $34.28. That’s a -26.7% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 9.3 |
| DCF value (model) | $25.12 (-26.7% vs price) |
| PEG (TTM) | 0.03 |
| P/B (TTM) | 1.1 |
| P/S (TTM) | 1.79 |
| P/FCF (TTM) | 43.33 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 1.17 |
| Quick Ratio (TTM) | 1.17 |
| Cash Ratio (TTM) | 1.17 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 19.86% |
| Gross margin (TTM) | 61.61% |
| Operating margin (TTM) | 24.23% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FISI.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2026-02-02 |
| Piper Sandler | maintain | Neutral | Neutral | 2026-02-02 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-10-27 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2025-03-11 |
| Keefe, Bruyette & Woods | upgrade | Market Perform | Outperform | 2025-02-03 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2025-01-31 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-12-04 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-29 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-04-05 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-04-02 |
| Piper Sandler | downgrade | Overweight | Neutral | 2024-03-25 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-05-01 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-04-30 |
| Hovde Group | downgrade | Outperform | Perform | 2022-10-31 |
| Hovde Group | downgrade | Outperform | Market Perform | 2022-10-31 |
| Hovde Group | downgrade | Outperform | Market Perform | 2022-10-30 |
| Piper Sandler | maintain | Overweight | Overweight | 2020-09-28 |
| Piper Sandler | maintain | Overweight | Overweight | 2020-09-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2020-07-31 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2020-07-30 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2016-07-28 |
| Keefe Bruyette & Woods | maintain | Market Perform | Market Perform | 2016-07-28 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2016-07-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-04-27 |
| Keefe Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-04-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-04-26 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-02-03 |
| Keefe Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-02-03 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2015-02-02 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2014-10-28 |