What Is Financial Institutions, Inc. (FISI) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Financial Institutions, Inc. presents a highly debated valuation profile at its current price of $38.78. The composite intrinsic value is estimated at $48.41 (+24.8% average upside), masking a wide model spread between the 6 bullish models and 5 bearish models. Model dispersion is worth noting: ML-RIV targets $120.12 (+209.7%), versus Markov DDM at $12.04 (-68.9%). This +278.7% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About FISI?
12 of 13 models are currently active for FISI. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates FISI's intrinsic value at $84.44, implying +117.7% upside from the current price. See which stocks rank higher →
How Does FISI Rank in National Commercial Banks?
Among 92 National Commercial Banks stocks, FISI ranks #52 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 places FISI in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Within the National Commercial Banks space, Financial Institutions, Inc. competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is FISI a Value Trap?
CirclFi's Value Trap algorithm assigns FISI a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Financial Institutions, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Financial Institutions, Inc. is rated at 8.0/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +278.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FISI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FISI's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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