Financial Institutions (FISI) Projected to Post Quarterly Earnings on Thursday

Financial Institutions (NASDAQ:FISI) is expected to issue its Q3 2025 results after the market closes on Thursday, October 23rd. Analysts expect the company to announce earnings of $0.88 per share and revenue of $60.46 million for the quarter. Parties can find conference call details on the company’s upcoming Q3 2025 earningreport page for the latest details on the call scheduled for Friday, October 24, 2025 at 8:30 AM ET.

Financial Institutions (NASDAQ:FISI) last released its earnings results on Thursday, July 24th. The bank reported $0.85 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.78 by $0.07. The company had revenue of $59.74 million during the quarter, compared to analyst estimates of $59.86 million. Financial Institutions had a negative net margin of 4.96% and a positive return on equity of 10.44%. On average, analysts expect Financial Institutions to post $3 EPS for the current fiscal year and $4 EPS for the next fiscal year.

Financial Institutions Trading Up 3.1%

Financial Institutions stock opened at $26.51 on Tuesday. The firm has a 50 day moving average of $26.93 and a 200 day moving average of $25.93. The firm has a market capitalization of $533.65 million, a price-to-earnings ratio of -17.44 and a beta of 0.71. Financial Institutions has a 12-month low of $20.97 and a 12-month high of $29.78. The company has a current ratio of 0.87, a quick ratio of 0.87 and a debt-to-equity ratio of 0.20.

Financial Institutions announced that its Board of Directors has initiated a share repurchase plan on Monday, September 22nd that authorizes the company to buyback $1.00 million in shares. This buyback authorization authorizes the bank to repurchase up to 0.2% of its shares through open market purchases. Shares buyback plans are generally an indication that the company’s board of directors believes its stock is undervalued.

Financial Institutions Dividend Announcement

The company also recently announced a quarterly dividend, which was paid on Thursday, October 2nd. Investors of record on Monday, September 15th were issued a $0.31 dividend. This represents a $1.24 annualized dividend and a yield of 4.7%. The ex-dividend date of this dividend was Monday, September 15th. Financial Institutions’s dividend payout ratio is currently -81.58%.

Analyst Upgrades and Downgrades

A number of equities research analysts have issued reports on FISI shares. Weiss Ratings reaffirmed a “sell (d+)” rating on shares of Financial Institutions in a report on Wednesday, October 8th. Wall Street Zen lowered shares of Financial Institutions from a “buy” rating to a “hold” rating in a report on Saturday, July 26th. Two analysts have rated the stock with a Buy rating, one has issued a Hold rating and one has assigned a Sell rating to the company. According to data from MarketBeat, the company has an average rating of “Hold” and a consensus price target of $33.00.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently modified their holdings of FISI. AQR Capital Management LLC boosted its position in shares of Financial Institutions by 12.2% during the 1st quarter. AQR Capital Management LLC now owns 97,206 shares of the bank’s stock valued at $2,426,000 after acquiring an additional 10,590 shares during the last quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. lifted its position in Financial Institutions by 30.0% in the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 11,333 shares of the bank’s stock worth $283,000 after buying an additional 2,617 shares during the last quarter. Empowered Funds LLC lifted its position in Financial Institutions by 7.1% in the first quarter. Empowered Funds LLC now owns 74,841 shares of the bank’s stock worth $1,868,000 after buying an additional 4,979 shares during the last quarter. Jane Street Group LLC bought a new stake in Financial Institutions in the first quarter worth $375,000. Finally, Creative Planning lifted its position in Financial Institutions by 28.7% in the second quarter. Creative Planning now owns 17,072 shares of the bank’s stock worth $438,000 after buying an additional 3,809 shares during the last quarter. 60.45% of the stock is currently owned by institutional investors.

About Financial Institutions

Financial Institutions, Inc operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.