Education
About Us
Working with TipRanks
Follow Us
Financial Institutions Inc (FISI)
NASDAQ:FISI
Earnings Data
Report Date
Oct 23, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.88Last Year’s EPS
0.84Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
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
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.
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 |
|---|---|---|---|
Jul 24, 2025 | $26.02 | $25.76 | -1.00% |
Apr 28, 2025 | $23.50 | $24.86 | +5.79% |
Jan 30, 2025 | $26.21 | $25.45 | -2.90% |
Oct 24, 2024 | $23.86 | $22.93 | -3.90% |
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.