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Financial InstitutionsFISI +0.48%47 Net Margin % is 33.61% as of Mar. 2026, which is 38% above its 10-year median of 24.34. 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 1,526 Banks companies, Financial Institutions ranks better than 68.28% on this metric.
Financial Institutions (NAS:FISI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Financial Institutions Net Margin % Related Terms
Financial Institutions Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's Net Margin % distribution charts can be found below:
* The bar in red indicates where Financial Institutions's Net 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 Net Margin % of 33.61% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Financial Institutions and its competitors. This is 38% above median its historical median of 24.34. According to the industry distribution chart, Financial Institutions ranks #484 out of 1526 companies in the Banks industry, placing it in the top 31.7%.
Is Financial Institutions' Net Margin % too high?
Financial Institutions' current Net Margin % of 33.61% is 38% above median its 10-year median of 24.34. The Banks industry median Net Margin % is 27.06. Financial Institutions' value of 33.61% is 24.2% above this industry median. Based on the distribution chart, Financial Institutions ranks #484 out of 1526 companies in the Banks industry, which is above 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' Net Margin % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #484 out of 1526 companies for Net Margin %. This puts Financial Institutions in the upper half of its industry. The industry median Net Margin % is 27.06. Financial Institutions' value of 33.61% is 24.2% above this benchmark. While the company's 10-year median is 24.34 vs. the industry median of 27.06, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current Net Margin % of 33.61% is 24.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Financial Institutions and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current Net Margin % is 33.61%, which is 38% above median its own 10-year median of 24.34. 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 Net Margin % is 33.61%, which is 38% above median its 10-year median of 24.34 and 24.2% above the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Financial Institutions (FISI), the current Net Margin % is 33.61% 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:
Net Margin %: 33.61% (38% above median its 10-year median of 24.34)
GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
Industry Position: 24.2% above the Banks median (#484 of 1526)
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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