SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Financial Institutions, Inc. (FISI) trades at a trailing P/E of 9.1, forward P/E of 8.8. Trailing earnings yield is 10.96%, forward earnings yield 11.40%. PEG 1.04. Graham Number is $51.21.
Criteria proven by this page:
- VALUE (77/100, Pass) — P/E is below market average (9.1); earnings yield beats bond yields (10.96%).
- Forward P/E 8.8 (down from trailing 9.1) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 1.04 — between 1.0–2.0 indicates moderate valuation relative to growth.
- Trailing Earnings Yield 10.96% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 11.40% as earnings recover.
- Analyst consensus target $36.00 (+4.8% upside) — modest upside expected.
Overall SharesGrow Score: 63/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
77/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — FISI
Valuation Multiples
P/E (TTM)9.1
Forward P/E8.8
PEG Ratio1.04
Forward PEG1.04
P/B Ratio1.09
P/S Ratio1.77
EV/EBITDA9.2
Per Share Data
EPS (TTM)$3.72
Forward EPS (Est.)$3.92
Book Value / Share$31.29
Revenue / Share$18.76
FCF / Share$0.77
Yields & Fair Value
Earnings Yield10.96%
Forward Earnings Yield11.40%
Dividend Yield3.68%
Graham Number$51.21
SharesGrow IV$64.77 (+88.6%)
Analyst Target$36.00 (+4.8%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
15.5 |
1.48 |
1.54 |
3.28 |
2.62% |
| 2017 |
14.0 |
14.72 |
1.23 |
2.84 |
2.98% |
| 2018 |
10.3 |
0.85 |
1.03 |
2.17 |
4.01% |
| 2019 |
10.5 |
0.43 |
1.17 |
2.46 |
3.37% |
| 2020 |
9.4 |
-0.42 |
0.77 |
1.76 |
4.98% |
| 2021 |
6.5 |
0.06 |
1.00 |
2.38 |
3.66% |
| 2022 |
6.6 |
-0.26 |
0.92 |
1.55 |
5.08% |
| 2023 |
6.5 |
-0.57 |
0.72 |
0.98 |
6.03% |
| 2024 |
-10.3 |
0.06 |
0.75 |
1.62 |
4.67% |
| 2025 |
8.4 |
-0.04 |
1.00 |
1.66 |
4.18% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.10 |
$150.69M |
$31.93M |
21.2% |
| 2017 |
$2.13 |
$164.73M |
$33.53M |
20.4% |
| 2018 |
$2.39 |
$188.01M |
$39.53M |
21% |
| 2019 |
$2.96 |
$208.83M |
$48.86M |
23.4% |
| 2020 |
$2.30 |
$204.37M |
$38.33M |
18.8% |
| 2021 |
$4.78 |
$212.03M |
$77.7M |
36.6% |
| 2022 |
$3.56 |
$241.09M |
$56.57M |
23.5% |
| 2023 |
$3.15 |
$332.59M |
$50.26M |
15.1% |
| 2024 |
$-1.66 |
$264.17M |
$-41.65M |
-15.8% |
| 2025 |
$3.61 |
$377.94M |
$74.87M |
19.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.92 |
$3.90 – $3.93 |
$258.84M |
$258.22M – $259.45M |
1 |
| 2027 |
$4.15 |
$4.14 – $4.16 |
$271.09M |
$270.45M – $271.73M |
1 |
