Financial Institutions, Inc. (FISI) Stock Score, Valuation & Financial Research
Financial Institutions, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 50/100.
Quick answer for FISI
Financial Institutions, Inc. currently has a Wall Street Score of 50/100. The stored market price is $40.92. Its financial score is 21/100. Its valuation score is 97/100. The latest WSS change is -0.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Financial Institutions, Inc. does
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 products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle,
FISI financial snapshot
- Wall Street Score:
- 50/100
- Current price:
- $40.92
- Market capitalization:
- $805.6M
- Revenue:
- $315.6M
- Net income:
- $82.6M
- Free cash flow:
- $13.3M
- Cash:
- $59.6M
- Total debt:
- $291.0M
- EPS:
- 4.09
- P/E ratio:
- 10.0x
- Financial score:
- 21/100
- Valuation score:
- 97/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $13.3M, showing positive cash generation.
- The balance sheet shows $59.6M of cash versus $291.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.2 points: FISI decreased 0.2 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 21/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FISI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.