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Financial Institutions Inc (FISI)
NASDAQ:FISI
Earnings Data
Report Date
Jan 29, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.94Last Year’s EPS
0.57Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with significant growth in net income, loan growth, and improved net interest margin. There was also positive momentum in noninterest income and credit quality. However, challenges included an increase in nonperforming loans and elevated noninterest expenses. Despite some challenges, the overall sentiment was optimistic with upward revisions in guidance.Company Guidance
Strong Financial Performance in Q3 2025
Financial Institutions, Inc. reported net income available to common shareholders of $20.1 million or $0.99 per diluted share. This resulted in a return on average assets and equity of 132 basis points and 13.31%, respectively, marking significant improvements from previous periods.
Loan Growth and Deposit Increase
Loan growth was reported at 1.2%, driven by commercial lending in Upstate New York, and total deposits increased by 3.9% due to seasonal and core deposit growth.
Improved Net Interest Margin
Net interest margin expanded by 16 basis points on a linked-quarter basis, driven by improved yields on average earning assets and reduced funding costs.
Upward Guidance Revisions
The company revised its full-year 2025 guidance upward, with expectations for return on average assets to exceed 115 basis points and return on average equity to be greater than 12%.
Strong Noninterest Income
Noninterest income increased by 13.6% from the linked quarter, driven by investment advisory revenue, swap fee income, and gains on investment securities.
Healthy Credit Quality
The ratio of nonperforming loans to total loans decreased to 74 basis points from 94 basis points a year ago, and annualized net charge-offs were relatively low at 18 basis points.
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 |
|---|---|---|---|
Oct 23, 2025 | $26.48 | $28.95 | +9.33% |
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% |
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 Jan 29, 2026, After Close (Confirmed).
What is Financial Institutions Inc (FISI) earnings time?
Financial Institutions Inc (FISI) earnings time is at Jan 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 2025 (Q4) is 0.94.