Financial Institutions reports Q3 EPS 99c vs. 84c last year

Reports Q3 tangible book value per share $27.02. Reports Q3 CET1 capital ratio 11.15%. Reports Q3 net charge-offs .18%. “Our Company reported strong third quarter 2025 financial results, highlighted by record quarterly net interest income and robust noninterest income that pushed return on average assets and return on average equity up to 1.32% and 13.31%, respectively, and our efficiency ratio down to below 57%,” said president and CEO Martin Birmingham. “Profitable, organic growth remains a top priority, and we believe that our year-to-date performance provides momentum to support a strong finish to 2025 while positioning the Company for sustained incremental performance in 2026. Our Board shares that confidence, as evidenced by its recent decision to authorize a new, larger share repurchase program that provides us with appropriate flexibility to manage capital, even as we invest in and grow our commercial, consumer and wealth business lines.”