FISI (Financial Institutions) Short-Term Debt: $114.0 Mil (As of Mar. 2026)

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FISI Financial Institutions Inc FISI
47 GF Score
Price $41.46
GF Value $22.93
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Financial Institutions Short-Term Debt?

Financial Institutions FISI +0.48% 47 Short-Term Debt is $114.0 Mil as of Mar. 2026. 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.

Financial Institutions's Short-Term Debt for the quarter that ended in Mar. 2026 was $114.0 Mil.

Financial Institutions's quarterly Short-Term Debt increased from Sep. 2025 ($55.0 Mil) to Dec. 2025 ($109.0 Mil) and increased from Dec. 2025 ($109.0 Mil) to Mar. 2026 ($114.0 Mil).

Financial Institutions's annual Short-Term Debt declined from Dec. 2023 ($185.0 Mil) to Dec. 2024 ($99.0 Mil) but then increased from Dec. 2024 ($99.0 Mil) to Dec. 2025 ($109.0 Mil).

Financial Institutions Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Financial Institutions Short-Term Debt Related Terms

Financial Institutions Short-Term Debt Historical Data

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The historical data trend for Financial Institutions's Short-Term Debt 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 Short-Term Debt Chart

Financial Institutions Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.00 205.00 185.00 99.00 109.00

Financial Institutions Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Short-Term Debt 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 101.00 55.00 109.00 114.00 182.00
FISI
47GF Score
Financial Institutions Inc FISI
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $114.0 Mil mean?
Financial Institutions (FISI) has a Short-Term Debt of $114.0 Mil as of Mar. 2026.
Is Financial Institutions' Short-Term Debt too high?
Financial Institutions' current Short-Term Debt is $114.0 Mil. 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' Short-Term Debt compare to SHBI and HBIA?
Financial Institutions' Short-Term Debt of $114.0 Mil 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 Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Financial Institutions's current Short-Term Debt is $114.0 Mil. 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 Short-Term Debt is $114.0 Mil. 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Financial Institutions (FISI), the current Short-Term Debt is $114.0 Mil 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:

  • Short-Term Debt: $114.0 Mil
  • GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
  • GF Score™: 47/100 with 6 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 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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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.46
Price
$22.93
GF Value