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Financial Institutions Inc (FISI)
NASDAQ:FISI
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.81Last Year’s EPS
1.62Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 28, 2025
|% Change Since: 12.30%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Positive
The earnings call indicates a strong financial performance with significant increases in net income, net interest margin, and commercial loan growth. However, there are concerns about the uncertain economic landscape and specific nonperforming loans. Overall, the highlights significantly outweigh the lowlights.Company Guidance
During the Financial Institutions, Inc. First Quarter 2025 Earnings Call, the company reported a strong start to the year, with net income rising over 12% from the previous quarter and 17% year-over-year. The net interest margin expanded by 44 basis points quarter-over-quarter and 57 basis points year-over-year. Non-interest income for the quarter was $10.4 million, and the efficiency ratio stood at 59%, aligning with the full-year target of below 60%. Total loans increased by 1.7%, with commercial business loans up 6.6% for the quarter. Nonperforming loans decreased by $1.4 million to $40 million. The company maintained its full-year net interest margin guidance of 345 to 355 basis points and revised its non-interest income expectations upward to between $40 million and $42 million for the year. Despite economic uncertainties, Financial Institutions, Inc. remains focused on maintaining profitability and efficiency throughout 2025.Significant Increase in Net Income
Net income increased by more than 12% from the previous quarter and 17% year-over-year, indicating strong financial performance.
Expansion of Net Interest Margin
Net interest margin expanded by 44 basis points from the previous quarter and 57 basis points year-over-year, reflecting improved yield on the securities portfolio and reduced funding costs.
Improved Asset Quality
Asset quality metrics improved with net charge-offs declining, and nonperforming loans decreased by $1.4 million to $40 million as of March 31, 2025.
Increase in Commercial Business Loans
Commercial business loans increased by 6.6% during the quarter, driven by new originations and increased line utilization.
Higher Non-Interest Income
Non-interest income was reported at $10.4 million, with enhancements in company-owned life insurance portfolio and increased investment advisory income contributing positively.
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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
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FISI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 28, 2025 | $24.06 | $25.45 | +5.78% |
Jan 30, 2025 | $26.84 | $26.06 | -2.91% |
Oct 24, 2024 | $24.42 | $23.48 | -3.85% |
Jul 25, 2024 | $23.79 | $24.92 | +4.75% |
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.
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FAQ
When does Financial Institutions Inc (FISI) report earnings?
Financial Institutions Inc (FISI) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Financial Institutions Inc (FISI) earnings time?
Financial Institutions Inc (FISI) earnings time is at Jul 24, 2025, TBA Not 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 (Q2) is 0.81.
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