Financial Institutions Inc
NASDAQ:FISI
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Intrinsic Value
The intrinsic value of 
Financial Institutions Inc (FISI) under the Base Case is 42.31 USD per share.
Compared with the current market price of 40.18 USD, the stock appears
Undervalued by 5% .
The intrinsic value is calculated using the DCF method. The model assumes net margin jumps to 38% in 2026, higher than in any of the last six years, before easing to 28% by 2033. If net margin stayed at its five-year average of 16%, the estimate would be about $22.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Financial Institutions Does
Financial Institutions, Inc. is a bank holding company whose main business is Five Star Bank, a community bank serving households, small businesses, and local organizations in New York and nearby markets. It takes deposits, makes loans, and offers everyday banking services such as checking and savings accounts, mortgages, commercial real estate loans, business credit, and cash management.
- Headquarters
- United States of America US
- Employees
- 631
- IPO date
- Jun 25, 1999
What is the Intrinsic Value of one FISI stock?
The intrinsic value for Financial Institutions Inc (FISI) under the Base Case is 42.31 USD.
Is FISI stock undervalued or overvalued?
Compared with the current market price of 40.18 USD, the stock appears Undervalued by 5% .
