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Financial InstitutionsFISI +0.48%47 PB Ratio is 1.27 as of Aug. 02, 2026, which is 23% above its 10-year median of 1.03. 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 1,515 Banks companies, Financial Institutions ranks worse than 61.58% on this metric.
Financial Institutions Inc stock PB Ratio (=1.27) is close to 5-year high of 1.33.
The historical rank and industry rank for Financial Institutions's PB Ratio or its related term are showing as below:
FISI'
s PB Ratio Range Over the Past 10 Years
Min: 0.55 Med: 1.03 Max: 1.7
Current: 1.27
During the past 13 years, Financial Institutions's highest PB Ratio was 1.70. The lowest was 0.55. And the median was 1.03.
FISI's PB Ratio is ranked worse than 61.58% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs FISI: 1.27
During the past 12 months, Financial Institutions's average Book Value Per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Financial Institutions was 18.60% per year. The lowest was -3.90% per year. And the median was 6.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's PB Ratio distribution charts can be found below:
* The bar in red indicates where Financial Institutions's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Financial Institutions (FISI) has a PB Ratio of 1.27 as of Aug. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Financial Institutions and its competitors. This is 23% above median its historical median of 1.03. Over the past decade, Financial Institutions' PB Ratio has ranged from 0.55 to 1.70. According to the industry distribution chart, Financial Institutions ranks #933 out of 1515 companies in the Banks industry, placing it in the top 61.6%.
Is Financial Institutions' PB Ratio too high?
Financial Institutions' current PB Ratio of 1.27 is 23% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.70. The Banks industry median PB Ratio is 1.11. Financial Institutions' value of 1.27 is 14.4% above this industry median. Based on the distribution chart, Financial Institutions ranks #933 out of 1515 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' PB Ratio compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #933 out of 1515 companies for PB Ratio. This places Financial Institutions in the lower half of its industry. The industry median PB Ratio is 1.11. Financial Institutions' value of 1.27 is 14.4% above this benchmark. Historically, Financial Institutions' own PB Ratio has ranged from 0.55 to 1.70 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current PB Ratio of 1.27 is 14.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Financial Institutions and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current PB Ratio is 1.27, which is 23% above median its own 10-year median of 1.03. 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 PB Ratio is 1.27, which is 23% above median its 10-year median of 1.03 and 14.4% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Financial Institutions (FISI), the current PB Ratio is 1.27 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:
PB Ratio: 1.27 (23% above median its 10-year median of 1.03)
GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
Industry Position: 14.4% above the Banks median (#933 of 1515)
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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