FISI
Financial Institutions
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: FISI
- PE Ratio
The price-to-earnings ratio for Financial Institutions stock stands at 9.92 as of Jun 23, 2026. This is calculated based on the current EPS of $3.87 and the stock price of $38.4 per share.
FISI PE ratio history
Over the last ten years, the average PE ratio of Financial Institutions has been 9.56. The current 9.92 PE ratio is 3.8% above the historical average. In the past ten years, FISI's PE ratio was at its highest in the Dec 2016 quarter at 16.21, with a price of $34.2 and an EPS of $2.11. The Jun 2023 quarter recorded the bottom point at 4.76, with a price of $15.74 and an EPS of $3.31.
Financial Institutions PE ratio by year
Maximum annual increase: 21.31% in 2013
Maximum annual decrease: -32.41% in 2021
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.54 | N/A | $31.17 | $3.65 |
| 2024 | N/A | N/A | $27.29 | -$2.75 |
| 2023 | 6.72 | -1.18% | $21.3 | $3.17 |
| 2022 | 6.8 | 2.87% | $24.36 | $3.58 |
| 2021 | 6.61 | -32.41% | $31.8 | $4.81 |
| 2020 | 9.78 | -9.53% | $22.5 | $2.3 |
| 2019 | 10.81 | 0.56% | $32.1 | $2.97 |
| 2018 | 10.75 | -26.37% | $25.7 | $2.39 |
| 2017 | 14.6 | -9.93% | $31.1 | $2.13 |
| 2016 | 16.21 | 10.57% | $34.2 | $2.11 |
| 2015 | 14.66 | 17.19% | $28 | $1.91 |
| 2014 | 12.51 | -11.4% | $25.15 | $2.01 |
| 2013 | 14.12 | 21.31% | $24.71 | $1.75 |
| 2012 | 11.64 | 8.18% | $18.63 | $1.6 |
| 2011 | 10.76 | -8.11% | $16.14 | $1.5 |
Financial Institutions PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.19 | -4.1% | $31.71 | $3.87 |
| Dec 2025 | 8.54 | N/A | $31.17 | $3.65 |
| Sep 2025 | N/A | N/A | $27.2 | -$2.68 |
| Jun 2025 | N/A | N/A | $25.68 | -$2.83 |
| Mar 2025 | N/A | N/A | $24.96 | -$2.04 |
| Dec 2024 | N/A | N/A | $27.29 | -$2.75 |
| Sep 2024 | 7.93 | 33.5% | $25.47 | $3.21 |
| Jun 2024 | 5.94 | -20.48% | $19.32 | $3.25 |
| Mar 2024 | 7.47 | 11.16% | $18.82 | $2.52 |
| Dec 2023 | 6.72 | 32.54% | $21.3 | $3.17 |
| Sep 2023 | 5.07 | 6.51% | $16.83 | $3.32 |
| Jun 2023 | 4.76 | -16.05% | $15.74 | $3.31 |
| Mar 2023 | 5.67 | -16.62% | $19.28 | $3.4 |
| Dec 2022 | 6.8 | 13.9% | $24.36 | $3.58 |
| Sep 2022 | 5.97 | -3.4% | $24.07 | $4.03 |
FISI Price vs fair value
FISI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
FISI's current P/E ratio is above the 3, 5 and 10-year historical averages.
PE comparison
Financial Institutions's P/E of 9.92 is below the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.95, Financial Institutions's P/E is 23% lower.
FISI PE vs peers
Compared to its peer stocks CBU and NBTB, FISI's PE ratio stands lower.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FISI Financial Institutions Inc | 9.92 | $755.96M |
| AROW Arrow Financial Corp | 12.93 | $660.33M |
| NBTB Nbt Bancorp Inc | 13.59 | $2.5B |
| CBU Community Bank System Inc | 15.67 | $3.39B |
Frequently asked questions
What is Financial Institutions's PE ratio?
As of Jun 23, 2026, FISI stock has a price to earnings ratio of 9.92.
What is the 3-year average PE ratio for Financial Institutions (FISI)?
As an average over the last 3 years, FISI stock has a PE ratio of 6.83.
What is the 5-year average PE ratio for Financial Institutions (FISI)?
As an average over the last 5 years, FISI stock has a PE ratio of 6.68.
What is the highest PE ratio for FISI?
Over the last ten years, the quarterly PE ratio reached a historic high of 16.21 in the Dec 2016 quarter.
How does the current PE ratio for FISI compare to its historical average?
The current price to earnings ratio of FISI is 3.8% higher than the 10-year historical average.
Why is Financial Institutions's PE ratio so low?
FISI's PE ratio of 9.92 is considered low because the company's stock price is trading at a lower multiple of earnings.
How is FISI's PE ratio calculated (Financial Institutions PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jun 23, 2026), Financial Institutions's stock price is $38.4. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.87. Therefore, Financial Institutions's P/E ratio for today is 9.92. PE RATIO(9.92) = STOCK PRICE($38.4) / TTM EPS($3.87)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.