Financial Institutions Inc
NASDAQ:FISI
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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P/S
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Valuation Scenarios
If P/S returns to its 3-Year Average (1.7), the stock would be worth $21.05 (39% downside from current price).
| Scenario | P/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 2.7 | $34.56 |
0%
|
| 3-Year Average | 1.7 | $21.05 |
-39%
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| 5-Year Average | 1.8 | $23.14 |
-33%
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| Industry Average | 3.4 | $42.96 |
+24%
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| Country Average | 2.4 | $30.98 |
-10%
|
Forward P/S
Today’s price vs future revenue
| Today's Market Cap | Revenue | Forward P/S | ||
|---|---|---|---|---|
|
$680.3m
|
/ |
Apr 2026
$250.4m
|
= |
|
|
$680.3m
|
/ |
Dec 2026
$219.9m
|
= |
|
|
$680.3m
|
/ |
Dec 2027
$231.4m
|
= |
|
Forward P/S shows whether today’s P/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | P/S | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Financial Institutions Inc
NASDAQ:FISI
|
680.3m USD | 2.7 | 8.8 | |
| US |
|
PNC Financial Services Group Inc
NYSE:PNC
|
89B USD | 3.7 | 13 | |
| US |
|
Truist Financial Corp
NYSE:TFC
|
63.8B USD | 3.1 | 12.3 | |
| US |
|
Fifth Third Bancorp
NASDAQ:FITB
|
45.6B USD | 4.7 | 22.6 | |
| US |
|
Huntington Bancshares Inc
NASDAQ:HBAN
|
33.5B USD | 3.8 | 16.3 | |
| US |
|
M&T Bank Corp
NYSE:MTB
|
32B USD | 3.3 | 11.6 | |
| CN |
|
Bank of Ningbo Co Ltd
SZSE:002142
|
216.9B CNY | 2.9 | 7.9 | |
| CN |
|
Bank of Jiangsu Co Ltd
SSE:600919
|
206.3B CNY | 2.3 | 6.5 | |
| JP |
|
Resona Holdings Inc
TSE:8308
|
4.5T JPY | 4.2 | 17 | |
| US |
|
Citizens Financial Group Inc
NYSE:CFG
|
27.6B USD | 3.3 | 15.1 | |
| US |
|
Regions Financial Corp
NYSE:RF
|
24.1B USD | 3.2 | 11.4 |
Market Distribution
| Min | 0 |
| 30th Percentile | 1.2 |
| Median | 2.4 |
| 70th Percentile | 4.1 |
| Max | 4 613 274.2 |
Other Multiples
Financial Institutions Inc
Glance View
Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Warsaw New York, New York and currently employs 625 full-time employees. The firm has six segments: Commercial Loans/Lines, Commercial Mortgage, Indirect Loans, Direct Loans, Residential Lines of Credit, and Residential Loans. The company offers a range of deposit, lending and other financial services to individuals, municipalities and businesses in Western and Central New York through its banking subsidiary, Five Star Bank (the Bank). Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. The company offers insurance services through its subsidiary, SDN Insurance Agency, LLC. The company offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiaries Courier Capital, LLC and HNP Capital, LLC. The company also offers banking as a service and financial technology solutions through its subsidiary Corn Hill Innovation Labs, LLC.
