Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 9.71 is 38% above its 5-year average of 7.04, near the high end of its 5-year range (4.24–11.09).
As of 2026-10-06T18:26:35.640Z. 1.18% above its 12-month average of 9.60.
Calculation as of: 2026-10-06T18:26:35.640Z.
Quote observation: 2026-10-06T18:24:53.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 0ffa41108f038ae9a1ab08acdb11d863044e005b128600080547d5d151003aac
PE Ratio (9.71) = Close Price ($39.23) / Diluted TTM EPS ($4.04)
PE RATIO
9.71
PE RATIO AVG TTM
9.60
PE RATIO AVG 3Y
7.92
PE RATIO AVG 5Y
7.04
PE RATIO AVG 10Y
9.77
PE RATIO AVG 15Y
10.72
PE RATIO AVG 20Y
11.23
CURRENT VS TTM AVG
+1.18%
CURRENT VS 3Y AVG
+22.64%
CURRENT VS 5Y AVG
+37.99%
CURRENT VS 10Y AVG
-0.60%
CURRENT VS 15Y AVG
-9.40%
CURRENT VS 20Y AVG
-13.56%
SECTOR MEDIAN · FINANCIAL SERVICES
13.78
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
-29.54%
vs the sector median at left
Financial Institutions, Inc.
Market Cap
$772.30M
PE Ratio
9.71
TTM Avg
9.60
3Y Avg
7.92
5Y Avg
7.04
Market Cap
$783.61M
PE Ratio
15.36
TTM Avg
16.53
3Y Avg
14.19
5Y Avg
12.76
Market Cap
$790.81M
PE Ratio
11.16
TTM Avg
11.40
3Y Avg
11.53
5Y Avg
10.73
Market Cap
$737.08M
PE Ratio
10.40
TTM Avg
10.45
3Y Avg
10.06
5Y Avg
8.95
Market Cap
$810.10M
PE Ratio
8.92
TTM Avg
9.63
3Y Avg
11.54
5Y Avg
10.75
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Financial Institutions, Inc. (FISI) | $772.30M | 9.71 | 9.60 | 7.92 | 7.04 |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $783.61M | 15.36 | 16.53 | 14.19 | 12.76 |
| Shore Bancshares, Inc. (SHBI)vs › | $759.78M | 11.47 | 10.99 | 13.65 | 13.40 |
| River City Bank (RCBC)vs › | $790.48M | 10.13 | 8.80 | 66.66 | 66.66 |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $790.81M | 11.16 | 11.40 | 11.53 | 10.73 |
| PRA Group, Inc. (PRAA)vs › | $747.73M | N/A | 11.66 | 44.03 | 27.34 |
| GCM Grosvenor Inc. (GCMG)vs › | $806.87M | 25.40 | 37.38 | 56.13 | 36.59 |
| Independent Bank Corporation (IBCP)vs › | $737.08M | 10.40 | 10.45 | 10.06 | 8.95 |
| Orrstown Financial Services, Inc. (ORRF)vs › | $810.10M | 8.92 | 9.63 | 11.54 | 10.75 |
| OFS Credit Company, Inc. (OCCIM)vs › | $733.43M | N/A | N/A | N/A | N/A |
At 9.7, P/E is below its 20-year median — higher than 29% of readings in its 20-year history.
20-year low
4.2
median
11.8
20-year high
51.4
Trailing P/E
9.7
Forward P/E
9.4
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$39.23
Forward EPS (Est.)
$4.19
Forward P/E
9.36
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 9.81 |
| 2026-10-02 | 9.90 |
| 2026-10-01 | 9.77 |
| 2026-09-30 | 9.65 |
| 2026-09-29 | 9.73 |
| 2026-09-28 | 9.79 |
| 2026-09-25 | 9.96 |
| 2026-09-24 | 9.91 |
| 2026-09-23 | 9.82 |
| 2026-09-22 | 9.98 |
| 2026-09-21 | 9.98 |
| 2026-09-18 | 10.06 |
| 2026-09-17 | 10.08 |
| 2026-09-16 | 9.96 |
| 2026-09-15 | 10.10 |
| 2026-09-14 | 10.15 |
| 2026-09-11 | 10.13 |
| 2026-09-10 | 10.17 |
| 2026-09-09 | 10.10 |
| 2026-09-08 | 10.19 |
| 2026-09-04 | 10.32 |
| 2026-09-03 | 10.19 |
| 2026-09-02 | 10.11 |
| 2026-09-01 | 9.91 |
| 2026-08-31 | 10.03 |
| 2026-08-28 | 10.14 |
| 2026-08-27 | 10.13 |
| 2026-08-26 | 10.10 |
| 2026-08-25 | 10.05 |
| 2026-08-24 | 10.10 |
| 2026-08-21 | 10.20 |
| 2026-08-20 | 10.10 |
| 2026-08-19 | 10.13 |
| 2026-08-18 | 10.29 |
| 2026-08-17 | 10.29 |
| 2026-08-14 | 10.33 |
| 2026-08-13 | 10.37 |
| 2026-08-12 | 10.36 |
| 2026-08-11 | 10.31 |
| 2026-08-10 | 10.23 |
| 2026-08-07 | 10.31 |
| 2026-08-06 | 10.39 |
| 2026-08-05 | 10.51 |
| 2026-08-04 | 10.57 |
| 2026-08-03 | 11.09 |
| 2026-07-31 | 10.80 |
| 2026-07-30 | 10.74 |
| 2026-07-29 | 10.74 |
| 2026-07-28 | 10.98 |
| 2026-07-27 | 10.74 |
| 2026-07-24 | 10.58 |
| 2026-07-23 | 10.08 |
| 2026-07-22 | 10.13 |
| 2026-07-21 | 10.28 |
| 2026-07-20 | 10.24 |
| 2026-07-17 | 10.24 |
| 2026-07-16 | 10.42 |
| 2026-07-15 | 10.20 |
| 2026-07-14 | 10.10 |
| 2026-07-13 | 10.09 |
| 2026-07-10 | 10.12 |
| 2026-07-09 | 10.08 |
| 2026-07-08 | 9.80 |
| 2026-07-07 | 10.03 |
| 2026-07-06 | 10.14 |
| 2026-07-02 | 10.16 |
| 2026-07-01 | 10.43 |
| 2026-06-30 | 10.15 |
| 2026-06-29 | 10.11 |
| 2026-06-26 | 10.14 |
| 2026-06-25 | 10.08 |
| 2026-06-24 | 10.07 |
| 2026-06-23 | 10.00 |
| 2026-06-22 | 9.87 |
| 2026-06-18 | 9.73 |
| 2026-06-17 | 9.64 |
| 2026-06-16 | 9.67 |
| 2026-06-15 | 9.67 |
| 2026-06-12 | 9.87 |
| 2026-06-11 | 9.89 |
| 2026-06-10 | 9.85 |
| 2026-06-09 | 9.78 |
| 2026-06-08 | 9.71 |
| 2026-06-05 | 9.66 |
| 2026-06-04 | 9.54 |
| 2026-06-03 | 9.24 |
| 2026-06-02 | 9.49 |
| 2026-06-01 | 9.30 |
| 2026-05-29 | 9.43 |
| 2026-05-28 | 9.33 |
| 2026-05-27 | 9.36 |
| 2026-05-26 | 9.43 |
| 2026-05-22 | 9.21 |
| 2026-05-21 | 9.21 |
| 2026-05-20 | 9.14 |
| 2026-05-19 | 8.95 |
| 2026-05-18 | 8.96 |
| 2026-05-15 | 8.81 |
| 2026-05-14 | 8.92 |
| 2026-05-13 | 8.92 |
| 2026-05-12 | 9.03 |
| 2026-05-11 | 9.09 |
| 2026-05-08 | 9.22 |
| 2026-05-07 | 9.22 |
| 2026-05-06 | 9.21 |
| 2026-05-05 | 9.07 |
| 2026-05-04 | 8.83 |
| 2026-05-01 | 8.98 |
| 2026-04-30 | 8.87 |
| 2026-04-29 | 8.86 |
| 2026-04-28 | 9.11 |
| 2026-04-27 | 9.00 |
| 2026-04-24 | 8.78 |
| 2026-04-23 | 9.46 |
| 2026-04-22 | 9.47 |
| 2026-04-21 | 9.48 |
| 2026-04-20 | 9.71 |
| 2026-04-17 | 9.73 |
| 2026-04-16 | 9.48 |
| 2026-04-15 | 9.50 |
| 2026-04-14 | 9.51 |
| 2026-04-13 | 9.38 |
| 2026-04-10 | 9.43 |
| 2026-04-09 | 9.53 |
| 2026-04-08 | 9.39 |
| 2026-04-07 | 9.19 |
| 2026-04-06 | 9.08 |
| 2026-04-02 | 8.93 |
| 2026-04-01 | 8.89 |
| 2026-03-31 | 8.78 |
| 2026-03-30 | 8.60 |
| 2026-03-27 | 8.56 |
| 2026-03-26 | 8.65 |
| 2026-03-25 | 8.66 |
| 2026-03-24 | 8.70 |
| 2026-03-23 | 8.67 |
| 2026-03-20 | 8.47 |
| 2026-03-19 | 8.48 |
| 2026-03-18 | 8.39 |
| 2026-03-17 | 8.45 |
| 2026-03-16 | 8.44 |
| 2026-03-13 | 8.38 |
| 2026-03-12 | 8.40 |
| 2026-03-11 | 8.42 |
| 2026-03-10 | 8.52 |
| 2026-03-09 | 8.51 |
| 2026-03-06 | 8.53 |
| 2026-03-05 | 8.67 |
| 2026-03-04 | 8.82 |
| 2026-03-03 | 8.77 |
| 2026-03-02 | 8.83 |
| 2026-02-27 | 8.69 |
| 2026-02-26 | 9.11 |
| 2026-02-25 | 8.93 |
| 2026-02-24 | 8.87 |
| 2026-02-23 | 8.93 |
| 2026-02-20 | 9.35 |
| 2026-02-19 | 9.33 |
| 2026-02-18 | 9.37 |
| 2026-02-17 | 9.63 |
| 2026-02-13 | 9.53 |
| 2026-02-12 | 9.44 |
| 2026-02-11 | 9.54 |
| 2026-02-10 | 9.55 |
| 2026-02-09 | 9.63 |
| 2026-02-06 | 9.73 |
| 2026-02-05 | 9.64 |
| 2026-02-04 | 9.63 |
| 2026-02-03 | 9.49 |
| 2026-02-02 | 9.40 |
| 2026-01-30 | 9.12 |
| 2025-03-12 | 8.25 |
| 2025-03-11 | 8.14 |
| 2025-03-10 | 8.16 |
| 2025-03-07 | 8.47 |
| 2025-03-06 | 8.46 |
| 2025-03-05 | 8.52 |
| 2025-03-04 | 8.49 |
| 2025-03-03 | 8.73 |
| 2025-02-28 | 8.81 |
| 2025-02-27 | 8.72 |
| 2025-02-26 | 8.75 |
| 2025-02-25 | 8.86 |
| 2025-02-24 | 8.87 |
| 2025-02-21 | 9.01 |
| 2025-02-20 | 9.17 |
| 2025-02-19 | 9.32 |
| 2025-02-18 | 9.30 |
| 2025-02-14 | 9.08 |
| 2025-02-13 | 8.95 |
| 2025-02-12 | 8.81 |
| 2025-02-11 | 8.93 |
| 2025-02-10 | 8.80 |
| 2025-02-07 | 8.78 |
| 2025-02-06 | 8.91 |
| 2025-02-05 | 8.77 |
| 2025-02-04 | 8.69 |
| 2025-02-03 | 8.40 |
| 2025-01-31 | 8.29 |
| 2025-01-30 | 8.54 |
| 2025-01-29 | 8.55 |
| 2025-01-28 | 8.50 |
| 2025-01-27 | 8.56 |
| 2025-01-24 | 8.52 |
| 2025-01-23 | 8.44 |
| 2025-01-22 | 8.48 |
| 2025-01-21 | 8.59 |
| 2025-01-17 | 8.48 |
| 2025-01-16 | 8.37 |
| 2025-01-15 | 8.55 |
| 2025-01-14 | 8.39 |
| 2025-01-13 | 8.11 |
| 2025-01-10 | 8.07 |
| 2025-01-08 | 8.25 |
| 2025-01-07 | 8.29 |
| 2025-01-06 | 8.40 |
| 2025-01-03 | 8.43 |
| 2025-01-02 | 8.43 |
| 2024-12-31 | 8.58 |
| 2024-12-30 | 8.50 |
| 2024-12-27 | 8.49 |
| 2024-12-26 | 8.61 |
| 2024-12-24 | 8.61 |
| 2024-12-23 | 8.61 |
| 2024-12-20 | 8.53 |
| 2024-12-19 | 8.38 |
| 2024-12-18 | 8.51 |
| 2024-12-17 | 8.95 |
| 2024-12-16 | 9.09 |
| 2024-12-13 | 9.08 |
| 2024-12-12 | 9.04 |
| 2024-12-11 | 8.50 |
| 2024-12-10 | 8.41 |
| 2024-12-09 | 8.38 |
| 2024-12-06 | 8.41 |
| 2024-12-05 | 8.40 |
| 2024-12-04 | 8.47 |
| 2024-12-03 | 8.40 |
| 2024-12-02 | 8.51 |
| 2024-11-29 | 8.54 |
| 2024-11-27 | 8.47 |
| 2024-11-26 | 8.61 |
| 2024-11-25 | 8.87 |
| 2024-11-22 | 8.77 |
| 2024-11-21 | 8.64 |
| 2024-11-20 | 8.30 |
| 2024-11-19 | 8.30 |
| 2024-11-18 | 8.35 |
| 2024-11-15 | 8.44 |
| 2024-11-14 | 8.50 |
| 2024-11-13 | 8.54 |
| 2024-11-12 | 8.64 |
| 2024-11-11 | 8.74 |
| 2024-11-08 | 8.48 |
| 2024-11-07 | 8.38 |
| 2024-11-06 | 8.80 |
| 2024-11-05 | 7.75 |
| 2024-11-04 | 7.52 |
| 2024-11-01 | 7.40 |
| 2024-10-31 | 7.46 |
Showing the most recent 260 of 4,558 data points. The chart above shows the full history.
