FISI (Financial Institutions) Shares Buyback Ratio %: -0.10 (As of Sep. 22, 2026)

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
55 GF Score
Price $40.43
GF Value $30.04
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Financial Institutions Shares Buyback Ratio %?

Financial Institutions FISI +0.24% 55 Shares Buyback Ratio % is -0.10 as of Sep. 22, 2026. GuruFocus rates FISI with a GF Score™ of 55/100 and a GF Value™ of $30.04 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.

GuruFocus calculates shares buyback ratio using previous shares outstanding minus the current shares outstanding, and then divides by previous shares outstanding. Financial Institutions's current shares buyback ratio was -0.10%.

Financial Institutions Shares Buyback Ratio % Related Terms

Financial Institutions Shares Buyback Ratio % Historical Data

* Premium members only.

The historical data trend for Financial Institutions's Shares Buyback Ratio % can be seen below:

* 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 Shares Buyback Ratio % Chart

Financial Institutions Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shares Buyback Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.85 2.58 -0.44 -30.31 1.39

Financial Institutions Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shares Buyback Ratio % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.09 -0.01 1.65 0.56 -0.10
FISI
55GF Score
Financial Institutions Inc FISI
Shares Buyback Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Financial Institutions Shares Buyback Ratio % Calculation

Financial Institutions's Shares Buyback Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Dec. 2024 ) - Shares Outstanding (EOP) (A: Dec. 2025 )) / Shares Outstanding (EOP) (A: Dec. 2024 )
=(20.076572 - 19.797407) / 20.076572
=1.39%

Financial Institutions's Shares Buyback Ratio for the quarter that ended in Jun. 2026 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Mar. 2026 ) - Shares Outstanding (EOP) (A: Jun. 2026 )) / Shares Outstanding (EOP) (A: Mar. 2026 )
=(19.68637 - 19.70636) / 19.68637
=-0.10%

* 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.

Frequently Asked Questions Learn more about Shares Buyback Ratio % →
What does a Shares Buyback Ratio % of -0.10 mean?
Financial Institutions (FISI) has a Shares Buyback Ratio % of -0.10 as of Sep. 22, 2026. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on Financial Institutions and its competitors.
Is Financial Institutions' Shares Buyback Ratio % too high?
Financial Institutions' current Shares Buyback Ratio % is -0.10. Overall, Financial Institutions has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' Shares Buyback Ratio % compare to HBIA and SMBC?
Financial Institutions' Shares Buyback Ratio % of -0.10 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shares Buyback Ratio % for a Banks company?
A good Shares Buyback Ratio % depends on the Banks industry context. However, Shares Buyback Ratio % 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 Shares Buyback Ratio % mean?
A high Shares Buyback Ratio % can signal that a stock is expensive relative to its fundamentals. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on Financial Institutions and its competitors. Financial Institutions's current Shares Buyback Ratio % is -0.10. 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 $30.04, compared to a current price of $40.43 — trading 34.6% above its estimated fair value. The current Shares Buyback Ratio % is -0.10. 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 Shares Buyback Ratio % calculated?
Shares Buyback Ratio % is calculated from a company's financial statements. For Financial Institutions (FISI), the current Shares Buyback Ratio % is -0.10 as of Sep. 22, 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 $40.43 is trading 34.6% above its estimated GF Value™ of $30.04. GuruFocus considers Financial Institutions to be Significantly Overvalued.

Key valuation signals for FISI:

  • Shares Buyback Ratio %: -0.10
  • GF Value™: $30.04 vs. price of $40.43 (34.6% above fair value)
  • GF Score™: 55/100 with 7 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. is a bank holding company headquartered in Warsaw, New York, operating primarily through its subsidiary, Five Star Bank. It provides consumer and commercial banking services, including checking and savings accounts, commercial and residential mortgages, home equity lines of credit, automobile and personal loans, and commercial business loans such as revolving lines of credit and equipment financing. The company serves individual consumers, small and mid-sized businesses, and municipal customers across Western and Central New York, with additional commercial lending activity in the Mid-Atlantic region. It also offers wealth management, investment services, and insurance products through subsidiaries. Revenue is generated mainly from net interest income on loans and securities, supplemented by fees from deposit accounts, lending, and wealth management services. The company operates as a single banking segment.
55GF Score

Get the complete analysis for FISI

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

$40.43
Price
$30.04
GF Value