FISI (Financial Institutions) GF Value : $15.53 (As of Apr. 09, 2025)

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What is Financial Institutions GF Value?

As of today (2025-04-09), Financial Institutions's share price is $21.90. Financial Institutions's GF Value is $15.53. Therefore, Financial Institutions's Price-to-GF-Value for today is 1.41. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Financial Institutions is Significantly Overvalued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Financial Institutions (NAS:FISI) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

Financial Institutions's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	21.90	/	15.53
	=	1.41

* 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 GF Value Related Terms

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Financial Institutions Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Financial Institutions Inc (NAS:FISI) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

FIISO.PFD:USA

Address

220 Liberty Street, Warsaw, NY, USA, 14569

Website

https://www.,financialinstitutionsinc.q4ir.com

Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.

Executives

Mark Zupan	director	1041 PITTSFORD VICTOR ROAD, PITTSFORD NY 14534
Laurie R Collins	officer: Senior Vice President	220 LIBERTY STREET, WARSAW NY 14569
Plants William Jack Ii	officer: Chief Financial Officer	220 LIBERTY STREET, WARSAW NY 14569
Kevin B Quinn	officer: Senior Vice President	220 LIBERTY STREET, WARSAW NY 14569
Gary A. Pacos	officer: Chief Risk Officer	220 LIBERTY STREET, WARSAW NY 14569
Burruano Samuel J Jr	officer: Senior Vice President	220 LIBERTY STREET, WARSAW NY 14569
Martin Kearney Birmingham	officer: Senior Vice President	220 LIBERTY STREET, WARSAW NY 14569
Kim E Vangelder	director	220 LIBERTY STREET, WARSAW NY 14569
Robert M Glaser	director	220 LIBERTY STREET, WARSAW NY 14569
Robert N Latella	director	220 LIBERTY, WARSAW NY 14569
Donald Boswell	director	WESTERN NY PUBLIC BROADCASTING ASSOC, HORIZONS PLAZA 140 LOWER TERRACE, BUFFALO NY 14202
Dorn Andrew W Jr	director	2421 MAIN STREET, BUFFALO NY 14214
Susan R Holliday	director	220 LIBERTY ST, WARSAW NY 14569
Samuel M Gullo	director	220 LIBERTY ST, WARSAW NY 14569
Bruce W Harting	director	1185 PARK AVENUE, 6D, NEW YORK NY 10128