Financial InstitutionsFISI -0.26%54 EV-to-FCF is 33.98 as of Jun. 29, 2026, which is 185% above its 10-year median of 11.91. GuruFocus rates FISI with a GF Score™ of 54/100 and a GF Value™ of $23.04 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Financial Institutions ranks worse than 90.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Financial Institutions's Enterprise Value is $920.9 Mil.
Financial Institutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $27.1 Mil. Therefore, Financial Institutions's EV-to-FCF for today is 33.98.
The historical rank and industry rank for Financial Institutions's EV-to-FCF or its related term are showing as below:
FISI'
s EV-to-FCF Range Over the Past 10 Years
Min: -127.72 Med: 11.91 Max: 73.28
Current: 33.98
During the past 13 years, the highest EV-to-FCF of Financial Institutions was 73.28. The lowest was -127.72. And the median was 11.91.
FISI's EV-to-FCF is ranked worse than 90.38% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs FISI: 33.98
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Financial Institutions's PE Ratio (TTM) for today is calculated as:
Financial Institutions's share price for today is $38.87.
Financial Institutions's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.840.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Financial Institutions's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Financial Institutions EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Financial Institutions's EV-to-FCF falls into.
Financial Institutions's current Enterprise Value is $920.9 Mil.
Financial Institutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $27.1 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Financial Institutions (FISI) has a EV-to-FCF of 33.98 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Financial Institutions and its competitors. This is 185% above median its historical median of 11.91. According to the industry distribution chart, Financial Institutions ranks #1081 out of 1196 companies in the Banks industry, placing it in the top 90.4%.
Is Financial Institutions' EV-to-FCF too high?
Financial Institutions' current EV-to-FCF of 33.98 is 185% above median its 10-year median of 11.91. The Banks industry median EV-to-FCF is 6.56. Financial Institutions' value of 33.98 is 418.4% above this industry median. Based on the distribution chart, Financial Institutions ranks #1081 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Financial Institutions has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' EV-to-FCF compare to ALRS and SHBI?
According to the Banks industry distribution chart, Financial Institutions ranks #1081 out of 1196 companies for EV-to-FCF. This places Financial Institutions in the lower half of its industry. The industry median EV-to-FCF is 6.56. Financial Institutions' value of 33.98 is 418.4% above this benchmark. While the company's 10-year median is 11.91 vs. the industry median of 6.56, Financial Institutions has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current EV-to-FCF of 33.98 is 418.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Financial Institutions and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current EV-to-FCF is 33.98, which is 185% above median its own 10-year median of 11.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financial Institutions stock overvalued right now?
Based on GuruFocus' analysis, Financial Institutions (FISI) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.04, compared to a current price of $38.87 — trading 68.7% above its estimated fair value. The current EV-to-FCF is 33.98, which is 185% above median its 10-year median of 11.91 and 418.4% above the Banks industry median of 6.56. Financial Institutions' overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Financial Institutions (FISI), the current EV-to-FCF is 33.98 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Financial Institutions (FISI) Overvalued in 2026?
Based on GuruFocus' analysis, Financial Institutions stock appears to be overvalued.
The current stock price of $38.87 is trading 68.7% above its estimated GF Value™ of $23.04.
GuruFocus considers Financial Institutions to be Significantly Overvalued.
Key valuation signals for FISI:
EV-to-FCF: 33.98 (185% above median its 10-year median of 11.91)
GF Value™: $23.04 vs. price of $38.87 (68.7% above fair value)
Industry Position: 418.4% above the Banks median (#1081 of 1196)
No single metric tells the full story. See the FISI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
54GF Score
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