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FISI
$37.54+0.27 (+0.72%)
Market ClosedLast close Jun 9
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Financial Institutions, Inc. in the Financial Services sector is trading at $37.54 with a market capitalization of $698M. Wall Street consensus targets $38.50 (2 analysts), implying a +2.6% move over the next 12 months. The stock is currently near its 52-week high of $38.46, remaining 21.4% above its 200-day moving average. On fundamentals, Piotroski 5/9 shows mixed financial quality. The Whystock Score of 85/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side consensus broadly in line with current price
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$37.54
Potential Downside
13.4%
Whystock Fair Value$32.51
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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,...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$698.28M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.24
Beta
Defensive asset. Lower volatility than the S&P 500.
0.65
Div Yield
Strong income play. Yield provides a meaningful total return floor.
3.33%
ROE
Average efficiency. Growth may require heavy reinvestment.
12.50%
Volume
Today's trading volume
194,274
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