The earnings call reflected a mostly positive outlook with significant growth in net income, earnings per share, and net interest margin. The company demonstrated strong credit metrics and robust performance in commercial and home equity lending. However, challenges included a decrease in total deposits and increased noninterest expenses. Overall, the highlights indicate a positive trajectory with some manageable challenges.

Company Guidance -

Q3 2025

During the Financial Institutions, Inc. Second Quarter 2025 Earnings Call, the company provided guidance affirming their full year 2025 targets, highlighting a 4% increase in net income to $17.2 million and a 5% rise in diluted earnings per share compared to the previous quarter. The net interest margin expanded by 14 basis points from the linked quarter, reaching between 345-355 basis points. Total loans were stable at approximately $4.54 billion, with a 1% increase in average loans driven by commercial business and mortgage loans. Noninterest income rose to $10.6 million, while the annualized return on average assets improved to 113 basis points. Total deposits decreased by 4% from March 31, 2025, due to seasonality and banking-as-a-service deposit outflows. The provision for credit losses was $2.6 million, and the company maintained its net charge-off expectation of 25 to 35 basis points for the year. Noninterest expenses were on track for their full year guidance of approximately $140 million, including several technology-related projects. The effective tax rate was anticipated to be between 17% to 19%. The company expressed confidence in achieving its targets, bolstered by strong regional commercial lending opportunities and a strategic focus on managing funding costs.

Increase in Net Income and Earnings Per Share

Net income available to common shareholders increased by 4% to $17.2 million and diluted earnings per share increased by 5% compared to the linked quarter.

Expansion of Net Interest Margin

Net interest margin expanded by 14 basis points from the linked quarter and 62 basis points year-over-year.

Durable Noninterest Income

Noninterest income increased to $10.6 million, up 2.4% from $10.4 million in the first quarter.

Strong Commercial Loan Portfolio

Nonperforming commercial loans declined by $7 million from March 31 to June 30, and commercial business loans increased by 2.4% during the quarter.

Improved Credit Metrics in Consumer Indirect Portfolio

Consumer indirect net charge-off ratio was 45 basis points, down from 103 basis points in the first quarter, with nonperforming loans falling by 12% on a linked-quarter basis.

Robust Home Equity Lending

Year-to-date closed home equity loans and lines of credit are up 44% compared to the same period in 2024.

Financial Institutions (FISI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FISI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.88 / -	0.84	―	―	―
Jul 24, 2025	2025 (Q2)	0.83 / 0.85	1.62	-47.53% (-0.77)
Apr 28, 2025	2025 (Q1)	0.74 / 0.81	0.11	636.36% (+0.70)
Jan 30, 2025	2024 (Q4)	0.56 / 0.57	0.61	-6.56% (-0.04)
Oct 24, 2024	2024 (Q3)	0.76 / 0.84	0.88	-4.55% (-0.04)
Jul 25, 2024	2024 (Q2)	0.60 / 1.62	0.91	78.02% (+0.71)
Apr 25, 2024	2024 (Q1)	0.62 / 0.11	0.76	-85.53% (-0.65)
Jan 25, 2024	2023 (Q4)	0.71 / 0.61	0.783	-22.09% (-0.17)
Oct 26, 2023	2023 (Q3)	0.83 / 0.88	0.88	0.00% (0.00)
Jul 27, 2023	2023 (Q2)	0.75 / 0.91	0.99	-8.08% (-0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FISI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$26.32	$26.06	-0.99%
Apr 28, 2025	$23.77	$25.15	+5.81%
Jan 30, 2025	$26.52	$25.74	-2.94%
Oct 24, 2024	$24.13	$23.20	-3.85%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Financial Institutions Inc (FISI) report earnings?

Financial Institutions Inc (FISI) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Financial Institutions Inc (FISI) earnings time?

Financial Institutions Inc (FISI) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FISI EPS forecast?

FISI EPS forecast for the fiscal quarter 2025 (Q3) is 0.88.

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