Financial Institutions/$FISI

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09:10
04:45
00:25
20:00
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About Financial Institutions

Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.

Ticker

$FISI
Sector
Primary listing

Employees

598

FISI Metrics

BasicAdvanced
$556M
-
-$2.02
0.81
$1.22
4.49%

What the Analysts think about FISI

Analyst ratings (Buy, Hold, Sell) for Financial Institutions stock.

Bulls say / Bears say

Net interest margin widened to 3.49% in Q2 2025, up 62 basis points year-over-year, boosting net interest income by 19.2% to $49.1 million (GlobeNewswire)
Net income available to common shareholders grew 4% quarter-over-quarter to $17.2 million ($0.85 per diluted share), demonstrating strong earnings performance despite headwinds (GlobeNewswire)
The Common Equity Tier 1 capital ratio improved to 10.84% as of June 30, 2025, up from 10.03% a year ago and well above regulatory 'well-capitalized' thresholds, strengthening the company's financial position (GlobeNewswire)
Net income fell 31.6% year-over-year from $25.6 million in Q2 2024 to $17.5 million in Q2 2025, indicating a substantial decline in profitability compared to the previous year (GlobeNewswire)
Total deposits decreased 4.0% sequentially to $5.16 billion, mainly due to seasonal public deposit outflows and the wind-down of the Banking-as-a-Service platform, which could place additional pressure on liquidity (GlobeNewswire)
Noninterest income dropped steeply to $10.6 million from $24.0 million a year earlier, reflecting the lack of a $13.5 million gain from the sale of the insurance business, which narrows revenue diversification (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.

FISI Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

FISI Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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