Financial Institutions, Inc. (FISI) Price Target Analysis
Updated Jun 18, 2026
Analyst Rating: Hold
Based on 6 analysts3.6% Above Target
FISI trades 3.6% above Wall Street's consensus target of $36.00.
Current Price$37.36
Average Target$36.00
Low$36.00
Median$36.00
High$36.00
Analyst Target Range
Forward P/E9.3x
(Value)
PEG Ratio0.99
(Undervalued)
Implied Growth+9.0%
(Low)
Analyst Spread0.0%
(High Agreement)
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Consensus Scenario Assumptions
The base valuation assumes FISI achieves its forward estimates and maintains a stable P/E multiple of 9.3x. This scenario reflects the blended consensus of 6 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
FISI Price Target Analysis
Updated June 22, 2026As of June 22, 2026, Financial Institutions, Inc. (FISI) has a Wall Street consensus price target of $36.00, based on estimates from 6 covering analysts. With the stock currently trading at $37.36, this represents a potential downside of -3.6%. The company has a market capitalization of $735M.
Analyst price targets range from a low of $36.00 to a high of $36.00, representing a 0% spread in expectations. The median target of $36.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 2 analysts rating the stock as a Buy or Strong Buy,4 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, FISI trades at a trailing P/E of 10.3x and forward P/E of 9.3x. The forward PEG ratio of 0.99 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +9.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $46.24, with bear and bull scenarios of $29.13 and $60.93 respectively. Model confidence stands at 44/100, suggesting limited visibility into future performance.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside
+6.0%
Industry Consensus
Avg Forward P/E
12.9x
(Value)
Peers with Coverage
9 / 10
Active Analyst Tracking
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.4B | $46.68 | $46.00 | -1.5% | Hold | 11.2x | 10 |
 TRMKTrustmark Corporation | $2.6B | $44.67 | $45.50 | +1.9% | Hold | 11.4x | 9 |
 CNOBConnectOne Bancorp, Inc. | $1.6B | $32.45 | $34.00 | +4.8% | Buy | 9.9x | 11 |
 EGBNEagle Bancorp, Inc. | $842M | $27.60 | $28.67 | +3.9% | Hold | 16.2x | 14 |
 TRSTTrustCo Bank Corp NY | $925M | $52.24 | — | — | Hold | 18.2x | 3 |
 NFBKNorthfield Bancorp, Inc. | $602M | $14.41 | $14.50 | +0.6% | Hold | 10.7x | 9 |
 CBSHCommerce Bancshares, Inc. | $8.0B | $54.73 | $58.50 | +6.9% | Hold | 13.4x | 15 |
 WSFSWSFS Financial Corporation | $3.9B | $74.14 | $79.00 | +6.6% | Hold | 11.8x | 13 |
 IBCPIndependent Bank Corporation | $706M | $34.31 | $38.00 | +10.8% | Hold | 9.7x | 7 |
 FFINFirst Financial Bankshares, Inc. | $4.7B | $32.78 | $39.25 | +19.7% | Hold | 16.1x | 15 |
FISI — Frequently Asked Questions
Quick answers to the most common questions about buying FISI stock.
What is the FISI stock price target for 2026?
Wall Street's consensus price target for FISI is $36, -3.6% from its current price of $37.36. The below-market target from 6 analysts suggests limited near-term appreciation.
Is FISI a buy, sell, or hold?
FISI has a consensus rating of "Hold" based on 6 Wall Street analysts. The rating breakdown is mixed, with 4 Hold ratings making up the largest segment. The consensus 12-month price target of $36 implies -3.6% downside from current levels.
Is FISI stock overvalued or undervalued?
With a forward P/E of 9.3051x, FISI trades at a relatively low valuation. The consensus target of $36 implies -3.6% move, suggesting the market may be pricing in risks.
How high can FISI stock go?
The most bullish Wall Street analyst has a price target of $36 for FISI, while the most conservative target is $36. The consensus of $36 represents the median expectation. Our quantitative valuation model projects a bull case target of $61 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover FISI stock?
FISI is moderately covered, with 6 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 4 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the FISI stock forecast?
The 12-month FISI stock forecast based on 6 Wall Street analysts shows a consensus price target of $36, with estimates ranging from $36 (bear case) to $36 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $46, with bear/bull scenarios of $29/$61.
What is FISI's fair value based on fundamentals?
Our quantitative valuation model calculates FISI's fair value at $46 (base case), with a bear case of $29 and bull case of $61. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 44/100.
What is FISI's forward P/E ratio?
FISI trades at a forward P/E ratio of 9.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 10.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy FISI stock?
Analysts are cautious on FISI, with 0 Sell ratings and a price target of $36 (-3.6% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do FISI price targets vary so much?
FISI analyst price targets range from $36 to $36, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $36 consensus represents the middle ground. Our model's $29-$61 range provides an independent fundamental perspective.
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