Financial Institutions Reports Strong Q3 2025 Results

The latest update is out from Financial Institutions ( (FISI) ).

On October 23, 2025, Financial Institutions, Inc. reported strong financial results for the third quarter of 2025, with net income available to common shareholders reaching $20.1 million, or $0.99 per diluted share. The company experienced significant growth in net interest margin and income, alongside increases in loans and deposits. The results highlight robust performance across its business lines, with a notable expansion in regulatory and tangible capital ratios. The company also announced a new share repurchase program, reflecting confidence in its financial health and future prospects.

The most recent analyst rating on (FISI) stock is a Hold with a $27.00 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.

The overall stock score reflects a mixed financial performance with declining profitability and revenue, offset by a stable balance sheet and some positive cash flow metrics. Technical indicators suggest potential oversold conditions, while valuation is challenged by negative earnings. The earnings call provided a positive outlook with improvements in key areas, but challenges remain with deposit declines and expenses.

To see Spark’s full report on FISI stock, click here.

More about Financial Institutions

Financial Institutions, Inc. operates in the financial services industry, offering commercial banking, consumer banking, and wealth management services through its subsidiaries, Five Star Bank and Courier Capital, LLC. The company primarily focuses on serving the Upstate New York market.

Average Trading Volume: 128,709

Technical Sentiment Signal: Strong Buy

Current Market Cap: $535.4M

For a thorough assessment of FISI stock, go to TipRanks’ Stock Analysis page.