The earnings call highlighted positive trends in net income growth, net interest margin expansion, commercial loan portfolio strength, and improvements in credit metrics. Despite these positive aspects, challenges were noted in deposit declines, consumer indirect balance reductions, and increased noninterest expenses. Overall, the positive highlights were more significant, indicating a generally positive outlook.

Company Guidance

The guidance provided in the Financial Institutions, Inc. Second Quarter 2025 Earnings Call affirmed the company's full year targets, highlighting several key metrics. The company reported a 4% increase in net income available to common shareholders to $17.2 million, alongside a 5% increase in diluted earnings per share compared to the previous quarter. Net interest margin expanded by 14 basis points from the linked quarter and 62 basis points year-over-year, with net interest income growing by approximately 5% and 19% respectively. Noninterest income rose to $10.6 million, up 2.4% from the previous quarter. The company maintained a strong annualized return on average assets at 113 basis points, and an efficiency ratio just below 60%. Total loans at the period's end were $4.54 billion, showing consistency with March 31, while average loans increased by 1% from the first quarter. The company reiterated its expectation for full-year loan growth between 1% and 3%, supported by commercial lending in upstate New York. Nonperforming commercial loans declined by $7 million, although commercial net charge-offs were $2.5 million during the quarter. The guidance also highlighted a net interest margin expectation of between 345 and 355 basis points for the full year, with further incremental margin expansion anticipated. Total deposits decreased by 4% from March 31, 2025, due to seasonality and the continued outflow of Banking-as-a-Service deposits. Noninterest expense was reported at $35.7 million, and the company maintained its full-year noninterest expense guidance at approximately $140 million. The effective tax rate was projected to range between 17% and 19% for the year.

Increase in Net Income and Earnings Per Share

The company reported a 4% increase in net income available to common shareholders, amounting to $17.2 million, and a 5% increase in diluted earnings per share compared to the previous quarter.

Net Interest Margin Expansion

The net interest margin expanded by 14 basis points from the linked quarter and 62 basis points from the same quarter last year, supported by an increase in net interest income by approximately 5% and 19%.

Strong Commercial Loan Portfolio

Nonperforming commercial loans declined by $7 million from March 31 to June 30, and the company reported a 2.4% increase in commercial business loans during the quarter.

Home Equity Lending Growth

Year-to-date closed home equity loans and lines of credit increased by 44% from the comparable period in 2024, with application volume up 19%.

Improvement in Credit Metrics

Consumer indirect net charge-off ratio decreased to 45 basis points from 103 basis points in the first quarter, and net charge-offs were 36 basis points of average loans in the second quarter.

Strong Capital Position

The company's common equity Tier 1 ratio increased by 46 basis points from March 31 and by 81 basis points from June 30, 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

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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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