FINANCIAL INSTITUTIONS INC (FISI)
National Commercial Banks · Financial Services · $1.2B
Intrinsic Value (Consensus)
$44.13
Current Price
$72.20
Margin of Safety
-38.9%
38.9% Above Intrinsic Value
Value: $44
Price: $72
Valuation Model Estimates
Current Price: $72.20
DCF (Discounted Cash Flow)
$12.95
Graham Number
$56.33
Earnings Power Value
$35.05
Relative Value (P/E)
$72.20
Dividend Discount Model
$6.04
Consensus Value
$44.13
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $3.61
- EPS (Forward)
- $3.79
- Book Value
- $39.06
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 11.9%
- Debt/Equity
- 31%
- Revenue Growth
- N/A
- Earnings Growth
- 5.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance