FISI
Financial Institutions, Inc.32.27
-0.13-0.4%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
649.61MP/E (TTM)
-Basic EPS (TTM)
-2.67Dividend Yield
0.04%Recent Filings
8-K
8-K
10-Q
Q3 FY2025 results
Financial Institutions posted solid Q3 2025 results, with net income jumping 52% year-over-year to $20.5 million, or $0.99 diluted EPS, from $13.5 million, or $0.84, last year—driven by net interest income surging $11.1 million to $51.8 million on a 76-basis-point net interest margin expansion to 3.65%, fueled by higher investment yields post-2024 restructuring and lower deposit costs amid rate cuts. Loans grew 2% quarter-over-quarter to $4.59 billion, led by commercial mortgages, while noninterest income rose 28% to $12.1 million on life insurance gains and a $703 thousand securities sale. Noninterest expense climbed 10% to $35.9 million, mainly from elevated health claims, yet efficiency improved to 56.8%. Cash swelled to $186 million with $179 million in financing inflows; total debt stood at $170 million, including $115 million long-term at blended rates under 5%, with ample FHLB/FRB capacity. The SDN sale closed April 2024 for $27 million cash, recognizing $13.7 million pre-tax gain. Regulatory risks loom from evolving cannabis banking rules.
8-K
Strong Q3 earnings with record NII
Financial Institutions, Inc. reported Q3 2025 net income of $20.5 million, up from $17.5 million last quarter and $13.5 million a year ago, fueled by record net interest income of $51.8 million and a 3.65% margin—expanding 76 basis points year-over-year. Loans grew 4.3% to $4.59 billion on commercial strength, while deposits rose 1.0% to $5.36 billion amid BaaS wind-down. Solid credit quality persists. The board authorized repurchasing up to 5% of shares for capital flexibility.
8-K
Quarterly dividends declared
Financial Institutions, Inc. declared a quarterly cash dividend of $0.31 per common share on August 25, 2025, payable October 2 to shareholders of record September 15. The board also approved $0.75 per share on Series A 3% preferred stock and $2.12 per share on Series B-1 8.48% preferred stock. This payout underscores steady capital return amid $6.1 billion in assets. Dividends flow reliably.
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