NASD · Financial · Banks - Regional · USA
Financial Institutions Inc is a small cap company (market value between $300 million and $2 billion) in the Banks - Regional industry.
Financial Institutions Inc is a holding company operating Five Star Bank, which delivers deposit and lending services to consumers, businesses and municipalities throughout Western and Central New York and the Mid-Atlantic region, and Courier Capital, an investment advisory firm serving individuals, companies and institutions with wealth management and retirement planning.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Financial Institutions Inc stock.
Undervalued: intrinsic value $52.63 per share, market price $39.19, margin of safety 25.5% (as of 2026-10-19).
Book value at 1.79x, the multiple a 13.3% return on equity justifies, blended with earnings, values the shares at $52.63; the price of $39.19 is 26% below that value.
Leak Score: 50/100 on 12 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
24 more in this industry show a wider margin of safety.
FISI is undervalued (as of the 2026-10-19 close). Book value at 1.79x, the multiple a 13.3% return on equity justifies, blended with earnings, values the shares at $52.63; the price of $39.19 is 26% below that value.
$52.63 per share (as of the 2026-10-19 close), against a market price of $39.19. That is a margin of safety of 25.5%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
50 out of 100, which we rate "Weak Signal", on 12 of 12 value investing signals.