PB Ratio: 1.23

Basis: FMP quote market capitalization / book value attributable to common shareholders (matching reported total stockholders equity minus preferred stock). Source: stored company filings and market data; unavailable inputs remain N/A.

Is the P/B ratio high or low?

The P/B ratio of 1.23 is 34% above its estimated 5-year average of 0.92, near the high end of its estimated 5-year range (0.58–1.38).

As of 2026-10-06T18:26:35.640Z. 8.17% above its estimated 12-month average of 1.14.

FISI PB Ratio Metrics

P/B vs. estimated history

At 1.23, P/B is near its estimated 20-year median — higher than 61% of readings in its estimated 20-year history.

Historical values estimate market capitalization from statement-period weighted shares. Comparisons with the current quote-based value are approximate. Only filing versions delivered by FMP are available for the historical calculation.

Book Value Analysis

PB Ratio Formula & Definition

PB Ratio = Market Cap / (Total Shareholders' Equity − Preferred Stock)

The price-to-book ratio compares market capitalization to book value attributable to common shareholders (total equity minus preferred stock). Lower values can indicate a cheaper valuation relative to net assets.

Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute

PB Ratio FAQ

What is the P/B ratio for Financial Institutions, Inc. (FISI)?

The P/B ratio for FISI stock is 1.23.

Is Financial Institutions, Inc.'s P/B ratio high or low?

The P/B ratio of 1.23 is 34% above its estimated 5-year average of 0.92, near the high end of its estimated 5-year range (0.58–1.38).

What is the estimated TTM average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated TTM average P/B ratio for FISI stock is 1.14.

What is the estimated 3Y average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated 3Y average P/B ratio for FISI stock is 0.92.

What is the estimated 5Y average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated 5Y average P/B ratio for FISI stock is 0.92.

What is the estimated 10Y average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated 10Y average P/B ratio for FISI stock is 1.04.

What is the estimated 15Y average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated 15Y average P/B ratio for FISI stock is 1.11.

What is the estimated 20Y average P/B ratio for Financial Institutions, Inc. (FISI)?

The estimated 20Y average P/B ratio for FISI stock is 1.13.

Showing the most recent 260 of 5,030 data points. The chart above shows the full history.

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