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Financial InstitutionsFISI +0.48%47 5-Year Yield-on-Cost % is 3.64 as of Aug. 02, 2026, which is 18% below its 10-year median of 4.43. 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 1,251 Banks companies, Financial Institutions ranks worse than 53.88% on this metric.
Financial Institutions's yield on cost for the quarter that ended in Mar. 2026 was 3.64.
The historical rank and industry rank for Financial Institutions's 5-Year Yield-on-Cost % or its related term are showing as below:
FISI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.73 Med: 4.43 Max: 9.13
Current: 3.64
During the past 13 years, Financial Institutions's highest Yield on Cost was 9.13. The lowest was 2.73. And the median was 4.43.
FISI's 5-Year Yield-on-Cost % is ranked worse than 53.88% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs FISI: 3.64
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Financial Institutions 5-Year Yield-on-Cost % Related Terms
FISI vs SHBI, HBIA, HTB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Financial Institutions's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Financial Institutions's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Financial Institutions's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Financial Institutions (FISI) has a 5-Year Yield-on-Cost % of 3.64 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Financial Institutions and its competitors. This is 18% below median its historical median of 4.43. Over the past decade, Financial Institutions' 5-Year Yield-on-Cost % has ranged from 2.73 to 9.13. According to the industry distribution chart, Financial Institutions ranks #674 out of 1251 companies in the Banks industry, placing it in the top 53.9%.
Is Financial Institutions' 5-Year Yield-on-Cost % too high?
Financial Institutions' current 5-Year Yield-on-Cost % of 3.64 is 18% below median its 10-year median of 4.43. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 9.13. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Financial Institutions' value of 3.64 is 5.2% below this industry median. Based on the distribution chart, Financial Institutions ranks #674 out of 1251 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' 5-Year Yield-on-Cost % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #674 out of 1251 companies for 5-Year Yield-on-Cost %. This places Financial Institutions in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Financial Institutions' value of 3.64 is 5.2% below this benchmark. Historically, Financial Institutions' own 5-Year Yield-on-Cost % has ranged from 2.73 to 9.13 over the past decade. While the company's 10-year median is 4.43 vs. the industry median of 3.84, Financial Institutions has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current 5-Year Yield-on-Cost % of 3.64 is 5.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Financial Institutions and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current 5-Year Yield-on-Cost % is 3.64, which is 18% below median its own 10-year median of 4.43. 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 5-Year Yield-on-Cost % is 3.64, which is 18% below median its 10-year median of 4.43 and 5.2% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Financial Institutions (FISI), the current 5-Year Yield-on-Cost % is 3.64 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:
5-Year Yield-on-Cost %: 3.64 (18% below median its 10-year median of 4.43)
GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
Industry Position: 5.2% below the Banks median (#674 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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