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Q3 2026 earnings • released • EPS miss -5.71% • Revenue miss -8.54%
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FISI:NASDAQ
Financial Institutions Inc
$40.15
+1.98%
(+0.78) 1D
$40.15
0.00% (0.00)
After hours
Closed: Nov 2, 4:00:02 PM GMT-5  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for FISI...
Open
$39.76
High
$40.37
Low
$39.37
Mkt. cap
783.77M
Avg. vol.
109.93K
Volume
0.00
Dividend
3.19%
Quarterly dividend
$0.32
Ex-dividend date
Sep 15, 2026
P/E ratio
9.96
52-wk high
$42.97
52-wk low
$28.03
EPS
$4.03
Beta
0.62
Shares outstanding
19.71M
No. of employees
631
Open
$39.76
High
$40.37
Low
$39.37
Mkt. cap
783.77M
Avg. vol.
109.93K
Volume
0.00
Dividend
3.19%
Quarterly dividend
$0.32
Ex-dividend date
Sep 15, 2026
P/E ratio
9.96
52-wk high
$42.97
52-wk low
$28.03
EPS
$4.03
Beta
0.62
Shares outstanding
19.71M
No. of employees
631
News stories
From web sources and news partners
About Financial Institutions Inc
CEO-
Employees631
Founded1817
HeadquartersWarsaw, New York, United States
SectorBank
Analyst ratings
Based on 2 analysts giving stock ratings to FISI in the past 3 months
Buy
Buy
1
Hold
1
Sell
0
12-month forecast
Based on 2 Wall Street analysts offering 12 month price targets for FISI in the last 3 months.
Highest
Current $40.15
$45.00 (+12.08%)
Average
$45.00 (+12.08%)
Lowest
$45.00 (+12.08%)
Analyst
Recommendation
Action
Price target
Projected
Date
Damon Delmonte
KBW
Buy
Reiterated
$45.00
+12.1%
11/02/2026
Manuel Navas
Piper Sandler
Hold
Maintained
$45.00
+12.1%
10/30/2026
Last report
Oct 30, 2026
Fiscal period
Q3 2026
$0.99 / $1.05
-5.71%miss
Revenue / Est. (USD)
60.87M / 66.55M
-8.54%miss
Fiscal Q3 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Revenue
Net income
All values in USD
Dec 2025
Mar 2026
Jun 2026
Sep 2026
Revenue
60.72M
60.43M
61.21M
60.87M
Cost of goods sold
-
-
-
-
Cost of revenue
-
-
-
-
Research and development expenses
-
-
-
-
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
31.99M
30.55M
30.47M
31.36M
Operating expense
35.70M
34.51M
34.52M
35.66M
Total operating expenses
35.70M
34.51M
34.52M
35.66M
Operating income
25.01M
25.92M
26.68M
25.21M
Other non operating income
-1.08M
-1.08M
-1.08M
-1.16M
EBT including unusual items
24.00M
24.83M
25.60M
24.05M
EBT excluding unusual items
23.93M
24.83M
25.60M
24.05M
Income tax expense
4.02M
3.85M
4.42M
4.06M
Effective tax rate
16.74%
15.49%
17.26%
16.87%
Other operating expenses
3.67M
3.91M
3.72M
4.30M
Net income
19.98M
20.98M
21.18M
19.99M
Net profit margin
32.91%
34.73%
34.61%
32.84%
Earnings per share
0.96
1.04
1.04
0.99
Interest and investment income
-
-
-
-
Interest expense
-
-
-
-
Net interest expenses
-
-
-
-
Depreciation and amortization charges
-
-
-
-
EBITDA
-
-
-
-
Gain or loss from assets sale
30.00K
356.00K
-208.00K
-
Insider transactions
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