Financial Institutions, Inc. (FISI) P/E Ratio History
Historical price-to-earnings valuation from 1999 to 2025
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FISI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Financial Institutions, Inc. (FISI) trades at a price-to-earnings ratio of 9.8x, with a stock price of $35.35 and trailing twelve-month earnings per share of $3.68.
The current P/E is 39% above its 5-year average of 7.0x. Over the past five years, FISI's P/E has ranged from a low of 4.8x to a high of 9.8x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, FISI trades at a 27% discount to its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.04 (P/E divided by 231% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, FISI trades at a notable discount to the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our FISI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
FISI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 13.6 | 1.93 | +13% | |
| $3B | 12.1 | 1.50 | +2% | |
| $2B | 20.4 | - | -16% | |
| $861M | 15.0 | 4.13 | +26%Best | |
| $587M | 19.5 | - | -16% | |
| $8B | 12.9 | 1.14 | +5% | |
| $4B | 14.2 | 0.81Best | +15% | |
| $696M | 10.3Lowest | 1.96 | +3% | |
| $5B | 20.9 | 4.01 | +12% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
FISI Historical P/E Data (1999–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $31.17 | $3.61 | 8.6x | -45% |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $25.47 | $3.18 | 8.0x | -49% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $19.32 | $3.22 | 6.0x | -62% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $18.82 | $2.51 | 7.5x | -53% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $21.30 | $3.16 | 6.7x | -57% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $16.83 | $3.31 | 5.1x | -68% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $15.74 | $3.31 | 4.8x | -70% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $19.28 | $3.39 | 5.7x | -64% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $24.36 | $3.56 | 6.8x | -57% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $24.07 | $4.01 | 6.0x | -62% |
| FY2022 Q2 | $26.02 | $4.18 | 6.2x | -61% | |
| FY2022 Q1 | $30.13 | $4.44 | 6.8x | -57% |
Average P/E for displayed period: 15.8x
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Start ComparisonFISI — Frequently Asked Questions
Quick answers to the most common questions about buying FISI stock.
Is FISI stock overvalued or undervalued?
FISI trades at 9.8x P/E, above its 5-year average of 7.0x. The 100th percentile ranking indicates a premium to historical valuation.
How does FISI's valuation compare to peers?
Financial Institutions, Inc. P/E of 9.8x compares to sector median of 13.4x. The discount suggests lower growth expectations or higher risk.
What is FISI's PEG ratio?
FISI PEG ratio is 1.04. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1999-2025.