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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-19), Financial Institutions's 3-1 Month Momentum % is 14.40%.
The industry rank for Financial Institutions's 3-1 Month Momentum % or its related term are showing as below:
FISI's 3-1 Month Momentum % is ranked better than 79.84% of 1577
companies
in the Banks industry
Industry Median: 5.19
vs FISI: 14.40
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Financial Institutions 3-1 Month Momentum % Related Terms
FISI vs SHBI, HBIA, HTB: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Financial Institutions's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Financial Institutions's 3-1 Month Momentum % 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 3-1 Month Momentum % of 14.40% as of Aug. 19, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Financial Institutions and its competitors. According to the industry distribution chart, Financial Institutions ranks #318 out of 1577 companies in the Banks industry, placing it in the top 20.2%.
Is Financial Institutions' 3-1 Month Momentum % too high?
Financial Institutions' current 3-1 Month Momentum % is 14.40%. The Banks industry median 3-1 Month Momentum % is 5.19. Financial Institutions' value of 14.40% is 177.5% above this industry median. Based on the distribution chart, Financial Institutions ranks #318 out of 1577 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Financial Institutions has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' 3-1 Month Momentum % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #318 out of 1577 companies for 3-1 Month Momentum %. This places Financial Institutions in the top 20% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 5.19. Financial Institutions' value of 14.40% is 177.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 5.19, based on 1,577 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current 3-1 Month Momentum % of 14.40% is 177.5% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Financial Institutions and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 5.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current 3-1 Month Momentum % is 14.40%. 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 Modestly Overvalued. The stock's GF Value™ is $31.37, compared to a current price of $40.92 — trading 30.4% above its estimated fair value. The current 3-1 Month Momentum % is 14.40% and 177.5% above the Banks industry median of 5.19. Financial Institutions' overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Financial Institutions (FISI), the current 3-1 Month Momentum % is 14.40% as of Aug. 19, 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 $40.92 is trading 30.4% above its estimated GF Value™ of $31.37.
GuruFocus considers Financial Institutions to be Modestly Overvalued.
Key valuation signals for FISI:
3-1 Month Momentum %: 14.40%
GF Value™: $31.37 vs. price of $40.92 (30.4% above fair value)
Industry Position: 177.5% above the Banks median (#318 of 1577)
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.
55GF Score
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