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Financial Institutions Inc (FISI)
NASDAQ:FISI
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.92Last Year’s EPS
0.81Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a majority of positive operating and financial developments — solid profitability, year-over-year margin expansion, loan and AUM growth, disciplined capital actions, and constructive 2026 guidance (higher ROA target, NIM expansion and efficiency goals). Offsetting items include short-term margin sensitivity to rate/timing effects, intentional runoff in the indirect auto portfolio, deposit seasonality and BaaS wind-down, and expected higher personnel/medical costs in 2026. On balance, the company’s fundamentals, improved capital position, and upward guidance outweigh the headwinds.Company Guidance
Strong Profitability
Net income available to common shareholders of $19.6 million in Q4 (EPS $0.96) and $73.4 million for FY2025 (EPS $3.61). Return on average assets of 120 bps and return on average equity of 12.38%, both above annual guidance.
Improved Net Interest Income and Margin
Net interest income of $200 million for the year; quarterly margin of 3.62% and full-year NIM of 3.53%. Quarterly margin expanded 71 bps year-over-year, and management targets mid-3.60s NIM for 2026.
Loan Growth
Total loans up 1.5% Q/Q and 4% YoY to $4.66 billion. Commercial business loans rose 11% YoY; commercial mortgage loans increased ~4% Q/Q and 6.5% YoY. Residential lending grew 1% Q/Q and 1% YoY.
Assets Under Advisement and Advisory Income Growth
AUM for Career Capital reached $3.6 billion, up $500.4 million or 16% YoY. Investment advisory income of $11.7 million, an increase of ~$1 million (over 9%) from 2024.
Capital Actions and Favorable Debt Issuance
Repurchased 1.7% of outstanding shares (~$11 million) in Q4 and completed an $80 million subordinated debt offering with a 5-year fixed rate of 6.5%; new notes received a BBB- rating from Kroll, reflecting improved profitability and capital position.
Deposit Franchise Resilience
Total deposits of $5.21 billion, up 2% YoY (despite seasonal Q/Q decline of 2.8%). Reciprocal deposit business strengthened, with >20% of customers and ~30% of balances having 10+ year relationships and average relationship tenure of five years.
Credit & Loss Reserves
Net charge-offs for 2025 were 24 bps (below the conservative budgeted 25–35 bps). Allowance for credit losses (ACL) to total loans was 102 bps, aligned with the company's credit risk framework.
Recurring Fee Income Strength
Full-year noninterest income of $45 million supported by COLI ($11.4 million for 2025) and strong advisory/swap fee performance: Q4 swap fee income of $1.1 million (up ~31% Q/Q) and full-year swap fees of $2.5 million (up $1.8 million YoY).
FISI Earnings History
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 |
|---|---|---|---|
Jan 29, 2026 | $32.93 | $32.94 | +0.03% |
Oct 23, 2025 | $26.23 | $28.68 | +9.34% |
Jul 24, 2025 | $25.77 | $25.52 | -0.97% |
Apr 28, 2025 | $23.28 | $24.62 | +5.76% |
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 Apr 29, 2026, After Close (Confirmed).
What is Financial Institutions Inc (FISI) earnings time?
Financial Institutions Inc (FISI) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 0.92.