Financial Institutions (FISI) Set to Release Quarterly Earnings on Thursday

Key Points

• Financial Institutions is expected to report Q3 2026 results after market close on Thursday, October 29. Analysts forecast earnings of $1.05 per share and revenue of $66.55 million; the earnings call is scheduled for October 30 at 8:30 a.m. ET.
• The bank exceeded expectations in its previous quarter, reporting $1.04 EPS versus the $0.93 consensus and $64.31 million in revenue versus $63.54 million expected. Analysts project full-year EPS of $4.21 and next-year EPS of $4.35.
• FISI recently paid a quarterly dividend of $0.32, equivalent to an annualized $1.28 payout and a 3.2% yield. Wall Street maintains a “Moderate Buy” consensus with an average price target of $45, above its reported $39.85 share price.

Financial Institutions (NASDAQ:FISI - Get Free Report) is anticipated to release its Q3 2026 results after the market closes on Thursday, October 29th. Analysts expect the company to announce earnings of $1.05 per share and revenue of $66.55 million for the quarter. Individuals can check the company's upcoming Q3 2026 earnings summary page for the latest details on the call scheduled for Friday, October 30, 2026 at 8:30 AM ET.

Financial Institutions (NASDAQ:FISI - Get Free Report) last issued its earnings results on Thursday, July 23rd. The bank reported $1.04 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.93 by $0.11. The company had revenue of $64.31 million for the quarter, compared to analyst estimates of $63.54 million. Financial Institutions had a net margin of 21.78% and a return on equity of 13.45%. On average, analysts expect Financial Institutions to post $4.21 EPS for the current fiscal year and $4.35 EPS for the next fiscal year.

Financial Institutions Stock Down 0.3%

Shares of NASDAQ FISI opened at $39.85 on Thursday. Financial Institutions has a 1 year low of $26.32 and a 1 year high of $42.97. The firm's 50-day moving average is $40.28 and its 200-day moving average is $38.28. The company has a current ratio of 0.88, a quick ratio of 0.88 and a debt-to-equity ratio of 0.13. The firm has a market capitalization of $785.44 million, a PE ratio of 9.89 and a beta of 0.62.

Financial Institutions Announces Dividend

The firm also recently disclosed a quarterly dividend, which was paid on Friday, October 2nd. Investors of record on Tuesday, September 15th were issued a $0.32 dividend. This represents a $1.28 annualized dividend and a yield of 3.2%. The ex-dividend date was Tuesday, September 15th. Financial Institutions's dividend payout ratio is currently 31.76%.

Wall Street Analysts Forecast Growth

Several brokerages recently weighed in on FISI. Keefe, Bruyette & Woods increased their price objective on shares of Financial Institutions from $42.00 to $45.00 and gave the company an "outperform" rating in a report on Monday, July 27th. Weiss Ratings reaffirmed a "buy (b)" rating on shares of Financial Institutions in a report on Friday, October 2nd. Finally, Piper Sandler reiterated a "neutral" rating and set a $45.00 target price (up from $38.00) on shares of Financial Institutions in a research report on Monday, August 3rd. Two equities research analysts have rated the stock with a Buy rating and two have issued a Hold rating to the company's stock. According to data from MarketBeat, the stock currently has an average rating of "Moderate Buy" and an average target price of $45.00.

About Financial Institutions

Financial Institutions, Inc NASDAQ: FISI is a diversified financial services company headquartered in Warsaw, New York. Through its principal banking subsidiary, Five Star Bank, the company provides community banking services to individuals, families, businesses and public-sector organizations.

Five Star Bank offers deposit accounts, residential and commercial real estate lending, consumer loans, business financing, cash-management services and other traditional banking products. The company also provides wealth management, investment advisory and retirement-plan administration services through specialized subsidiaries, including Courier Capital and Benefit Plan Administrative Services.

Financial Institutions serves customers primarily across communities in upstate New York, with related financial services available in additional markets.

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