FISI - Financial Institutions, Inc. Stock Analysis & Valuation

Financial Institutions, Inc. (FISI) trades at $39.37 with an EquitAI Valuation DNA score of 5/10 and Quality score of 2/10. The company's trailing P/E ratio is 40.2x. These scores evaluate balance sheet leverage, free cash flow generation, and fundamental multiples against historical benchmarks.

Wall Street analysts have a consensus 12-month price target of $45.0 for Financial Institutions, Inc. (FISI), representing an implied 14.3% upside from its current trading level of $39.37 with an average rating of Hold based on 1 analyst rating. Because this forecast is provided by a single analyst, it represents limited coverage and may reflect historical or isolated expectations rather than a broad consensus. EquitAI benchmarks analyst consensus projections against intrinsic Financial DNA valuation pillars.

Financial Institutions, Inc. has an indicated annual dividend yield of 3.23%. Dividend stability is factored into its Income DNA pillar alongside free cash flow coverage.

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