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Financial InstitutionsFISI +0.48%47 FCF Margin % is 36.90% as of Mar. 2026, which is 23% above its 10-year median of 30.05. GuruFocus rates FISI with a GF Score™ of 47/100 and a GF Value™ of $22.93 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, Financial Institutions ranks worse than 66.78% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Financial Institutions's FCF Margin % falls into.
* 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 FCF Margin % of 36.90% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Financial Institutions and its competitors. This is 23% above median its historical median of 30.05. Over the past decade, Financial Institutions' FCF Margin % has ranged from 3.72 to 63.00. According to the industry distribution chart, Financial Institutions ranks #1003 out of 1502 companies in the Banks industry, placing it in the top 66.8%.
Is Financial Institutions' FCF Margin % too high?
Financial Institutions' current FCF Margin % of 36.90% is 23% above median its 10-year median of 30.05. Over the past 10 years, this metric has ranged from a low of 3.72 to a high of 63.00. The Banks industry median FCF Margin % is 25.85. Financial Institutions' value of 36.90% is 42.8% above this industry median. Based on the distribution chart, Financial Institutions ranks #1003 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Financial Institutions has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' FCF Margin % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #1003 out of 1502 companies for FCF Margin %. This places Financial Institutions in the lower half of its industry. The industry median FCF Margin % is 25.85. Financial Institutions' value of 36.90% is 42.8% above this benchmark. Historically, Financial Institutions' own FCF Margin % has ranged from 3.72 to 63.00 over the past decade. While the company's 10-year median is 30.05 vs. the industry median of 25.85, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current FCF Margin % of 36.90% is 42.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Financial Institutions and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current FCF Margin % is 36.90%, which is 23% above median its own 10-year median of 30.05. 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 $22.93, compared to a current price of $41.46 — trading 80.8% above its estimated fair value. The current FCF Margin % is 36.90%, which is 23% above median its 10-year median of 30.05 and 42.8% above the Banks industry median of 25.85. Financial Institutions' overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Financial Institutions (FISI), the current FCF Margin % is 36.90% as of Mar. 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 $41.46 is trading 80.8% above its estimated GF Value™ of $22.93.
GuruFocus considers Financial Institutions to be Significantly Overvalued.
Key valuation signals for FISI:
FCF Margin %: 36.90% (23% above median its 10-year median of 30.05)
GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
Industry Position: 42.8% above the Banks median (#1003 of 1502)
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.
47GF Score
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