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The latest update is out from Financial Institutions ( (FISI) ).
On January 29, 2026, Financial Institutions, Inc. reported that net income available to common shareholders reached $19.6 million, or $0.96 per diluted share, for the fourth quarter of 2025 and $73.4 million, or $3.61 per diluted share, for full-year 2025, marking a strong turnaround from net losses a year earlier. Results were driven by record quarterly and annual net interest income of $52.2 million and $200.0 million, a 67-basis-point year-over-year expansion in full-year net interest margin to 3.53%, and solid noninterest income supported by swap activity, higher advisory fees and income from a life insurance redeployment strategy. The company grew total loans to $4.66 billion, led by 7.5% annual commercial loan growth, while deposits rose 2.0% year-over-year despite seasonal and funding mix pressures, and it maintained stable credit quality with an allowance for credit losses of 1.02% of loans at year-end. Capital strength underpinned a December 2025 private placement of $80 million of BBB–rated subordinated notes, used in part to refinance $65 million of higher-cost 2015 and 2020 debt in January 2026, and supported the repurchase of 336,869 common shares, or 1.7% of shares outstanding, in the fourth quarter, reinforcing management’s confidence in its earnings trajectory and long-term value strategy.
The most recent analyst rating on (FISI) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Financial Institutions stock, see the FISI Stock Forecast page.
Spark’s Take on FISI Stock
According to Spark, TipRanks’ AI Analyst, FISI is a Neutral.
Financial Institutions, Inc. faces significant financial performance challenges, particularly in revenue and profitability, which weigh heavily on the overall score. However, strong technical indicators and positive corporate events provide a counterbalance, suggesting potential for recovery. The optimistic earnings call sentiment and strategic financial maneuvers further support a moderate outlook, despite valuation concerns due to negative earnings.
To see Spark’s full report on FISI stock, click here.
More about Financial Institutions
Financial Institutions, Inc., parent of Five Star Bank and Courier Capital, operates as a diversified financial services provider offering commercial and consumer banking along with wealth management, primarily serving small and mid-sized businesses, consumers, non-profits and municipalities in its core Upstate New York markets.
Average Trading Volume: 122,312
Technical Sentiment Signal: Buy
Current Market Cap: $648.6M
Learn more about FISI stock on TipRanks’ Stock Analysis page.