FISI (Financial Institutions) GF Score: 47/100 (As of Aug. 02, 2026) — 36% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FISI Financial Institutions Inc FISI
47 GF Score
Price $41.46
GF Value $22.93
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Financial Institutions GF Score?

Financial Institutions FISI +0.48% 47 GF Score is 47 as of Aug. 02, 2026, which is 36% below its 10-year median of 73.00. 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.

Financial Institutions has the GF Score of 47, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 3/10
2. Profitability Rank : 4/10
3. Growth Rank : 1/10
4. GF Value Rank : 1/10
5. Momentum Rank : 9/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Financial Institutions might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Financial Institutions  (NAS:FISI) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Financial Institutions GF Score Related Terms

FISI vs SHBI, HBIA, HTB: GF Score Comparison

For the Banks - Regional subindustry, Financial Institutions's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Financial Institutions's GF Score distribution charts can be found below:

* The bar in red indicates where Financial Institutions's GF Score falls into.


FISI
47GF Score
Financial Institutions Inc FISI
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 47 mean?
Financial Institutions (FISI) has a GF Score of 47 as of Aug. 02, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Financial Institutions and its competitors. This is 36% below median its historical median of 73.00. Over the past decade, Financial Institutions' GF Score has ranged from 47.00 to 84.00.
Is Financial Institutions' GF Score too high?
Financial Institutions' current GF Score of 47 is 36% below median its 10-year median of 73.00. Over the past 10 years, this metric has ranged from a low of 47.00 to a high of 84.00. 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' GF Score compare to SHBI and HBIA?
Financial Institutions' GF Score of 47 can be compared against companies in the Banks industry. Historically, Financial Institutions' own GF Score has ranged from 47.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Financial Institutions and its competitors. Financial Institutions's current GF Score is 47, which is 36% below median its own 10-year median of 73.00. 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 GF Score is 47, which is 36% below median its 10-year median of 73.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Financial Institutions (FISI), the current GF Score is 47 as of Aug. 02, 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:

  • GF Score: 47 (36% below median its 10-year median of 73.00)
  • GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
  • GF Score™: 47/100 with 6 warning signs

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 Business Description

Other Exchanges FIISO.PFD:USA
Address 220 Liberty Street, Warsaw, NY, USA, 14569
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

Get the complete analysis for FISI

GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.46
Price
$22.93
GF Value