Financial Institutions Inc.

At $39.37, Financial Institutions' price is 38% above the $28.61 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 9.77 times earnings and 13.80 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

Intrinsiqq's calculator puts Financial Institutions' fair value at $28.61 a share. It grows book value per share 1.2% a year for 5 years, applies an exit P/B of 1.1, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $21.46. Every input can be changed on the Intrinsic Value tab.

Financial Institutions scores 50 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 6 checks computed from SEC filings. Its best check is return on equity at 12.8%, and its weakest is share count change at 28.9%. The Quality tab shows every check against its target.

Yes. Financial Institutions (FISI) pays a dividend: $1.26 per share over the last twelve months, a dividend yield of 3.22% at the latest close. It has raised its dividend per share for 1 year in a row, growing at 3.6% a year over the last 5 years. The payout takes about 30.2% of earnings.