Financial Institutions, Inc. Increases Quarterly Common Stock Dividend by 3.2% to $0.32
Financial Institutions, Inc. (NASDAQ: FISI) announced a 3.2% increase in its quarterly common stock dividend to $0.32 per share, reflecting strong profitability in 2025 and confidence in future growth. This amounts to an annualized yield of 3.7% and a payout ratio of 35% of 2025 net income. The company also declared dividends for its Series A and Series B-1 preferred stocks.
LSV Asset Management Decreases Position in Financial Institutions, Inc. $FISI
LSV Asset Management reduced its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 29.0% in Q3, selling 68,537 shares and retaining 167,500 shares. This transaction valued their remaining holding at approximately $4.56 million, representing about 0.83% of the company. The article also notes that Financial Institutions, Inc. recently raised its quarterly dividend to $0.32 per share, and institutional investors collectively own 60.45% of the stock.
Financial Institutions, Inc. (NASDAQ:FISI) Declares Quarterly Dividend of $0.32
Financial Institutions, Inc. (NASDAQ:FISI) has declared a quarterly dividend of $0.32 per share, representing a 3.2% increase from the previous $0.31 dividend and implying a 3.8% yield. The dividend is payable on April 2nd to shareholders of record on March 13th, with an ex-dividend date of March 13th. Analysts project the dividend to be sustainable, with an estimated payout ratio of around 33% next year based on forecasted EPS of $3.76.
Thrivent Financial for Lutherans Grows Position in Financial Institutions, Inc. $FISI
Thrivent Financial for Lutherans significantly increased its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 412.7% in Q3 2025, now holding 53,366 shares valued at approximately $1.45 million. Despite a consensus "Hold" rating from Wall Street analysts with a target of $35.33, the company recently raised its quarterly dividend to $0.32, offering a 3.8% yield. Financial Institutions, Inc. is trading at $34.07 with a P/E of 9.44, and institutional ownership stands at 60.45%.
Financial Institutions Announces 3.2% Dividend Increase to $0.32 per Share
Financial Institutions (FISI) has declared a 3.2% increase in its quarterly dividend to $0.32 per share, reflecting the company's steady profitability and dedication to shareholder returns. The dividend is payable on April 2, with a record and ex-dividend date of March 13. The company projects a return on assets of at least 122 basis points for 2026, indicating continued growth in commercial lending and bolstering investor confidence.
Five Star Bank parent raises dividend; new payout yields 3.7%
Financial Institutions, Inc. (FISI) announced an increase in its quarterly cash dividend by 3.2% to $0.32 per common share, yielding 3.7% based on its closing price of $34.43 on February 11, 2026. This decision reflects the company's strong profitability in 2025 and its commitment to returning capital to shareholders. Dividends for both common and preferred shares are payable on April 2, 2026, to shareholders of record on March 13, 2026.
Financial Institutions Increases Quarterly Dividend, Signals Earnings Confidence
Financial Institutions, Inc. (FISI) has increased its quarterly common stock dividend by 3.2% to $0.32 per share, signaling confidence in its strong 2025 profitability and sustainable long-term earnings growth. This higher dividend translates to a 3.7% yield with a 35% payout ratio. TipRanks' AI Analyst, Spark, rates FISI as Neutral, noting concerns about financial statement volatility despite a stable balance sheet and favorable technical trends.
Financial Institutions, Inc. Increases Quarterly Common Stock Dividend by 3.2% to $0.32
Financial Institutions, Inc. announced a 3.2% increase in its quarterly common stock dividend to $0.32 per share, reflecting strong 2025 profitability, balance sheet strength, and confidence in future earnings growth. This dividend represents a 3.7% yield and a 35% payout ratio of 2025 net income. The company also declared dividends for its Series A and Series B-1 preferred stocks, all payable on April 2, 2026.
Financial Institutions, Inc. Announces 3.2% Increase in Quarterly Cash Dividend to $0.32 Per Share
Financial Institutions, Inc. (NASDAQ: FISI) has announced a 3.2% increase in its quarterly cash dividend to $0.32 per share, reflecting strong profitability in 2025 and confidence in future earnings growth. The annualized dividend represents a yield of 3.7% based on a recent share price and a payout ratio of 35% of 2025 net income. The company also declared dividends for its preferred stock, with all dividends payable on April 2, 2026, to shareholders of record by March 13, 2026.
ProShare Advisors LLC Has $12.51 Million Holdings in Financial Institutions, Inc. $FISI
ProShare Advisors LLC significantly increased its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 94.6% in Q3, now holding 459,798 shares valued at $12.51 million. This makes ProShare Advisors LLC a 2.28% owner of the company. Other hedge funds also adjusted their positions, and analysts generally rate FISI as a "Hold" with an average target price of $35.33.
Financial Institutions, Inc. (NASDAQ:FISI) Given Average Recommendation of "Hold" by Brokerages
Financial Institutions, Inc. (NASDAQ:FISI) has received an average "Hold" recommendation from brokerages, with an average 12-month price target of $35.33. The company recently exceeded earnings expectations, reporting an EPS of $0.96 against an estimate of $0.95 and revenue of $64.12 million against an estimate of $62.99 million. FISI trades near its 52-week high, has a P/E ratio of 9.73, and offers a quarterly dividend of $0.31 per share.
PL Capital Advisors LLC Increases Position in Financial Institutions, Inc. $FISI
PL Capital Advisors LLC significantly increased its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 30.4% in the third quarter, making it their second-largest holding. Other institutional investors also adjusted their positions, and analysts have issued updated ratings and price targets for FISI. The company recently reported strong earnings, beating analyst estimates, and announced a quarterly dividend.
Financial Institutions (NASDAQ:FISI) Price Target Raised to $38.00 at Keefe, Bruyette & Woods
Keefe, Bruyette & Woods raised its price target for Financial Institutions (NASDAQ:FISI) to $38.00 from $35.00, maintaining an "outperform" rating and implying an 11% upside. This comes after the bank surpassed quarterly expectations with EPS of $0.96 and revenue of $64.12 million. While other analysts are more cautious with an average "Hold" rating, institutional investors have recently increased their holdings in FISI.
Financial Institutions, Inc. (NASDAQ:FISI) Q4 2025 Earnings Call Transcript
Financial Institutions, Inc. (NASDAQ:FISI) reported a strong Q4 and full-year 2025, with net income of $19.6 million ($0.96 diluted EPS) and $73.4 million ($3.61 diluted EPS) respectively, exceeding annual guides. The company achieved 4% loan growth year-over-year, driven by commercial lending in Upstate New York, and completed an $80 million sub-debt offering. Looking to 2026, FISI targets higher performance with an ROAA of at least 122 basis points, ROAE exceeding 11.9%, and expects margin expansion and low single-digit loan and deposit growth.
Financial Institutions, Inc. (NASDAQ:FISI) Q4 2025 earnings call transcript
This document is a Q4 2025 earnings call transcript for Financial Institutions, Inc. (NASDAQ:FISI). It contains detailed discussions regarding the company's financial performance, operational achievements, and future outlook as presented during its quarterly earnings call. Investors and analysts can review the complete financial disclosures and management commentary here.
Financial Institutions, Inc. (NASDAQ:FISI) Q4 2025 earnings call transcript
This document is a transcript of the Financial Institutions, Inc. (NASDAQ:FISI) Q4 2025 earnings call. It contains the discussions and statements made by the company's management and perhaps analysts during the call. The transcript provides detailed insights into the company's financial performance and outlook for the fourth quarter of 2025.
Financial Institutions Inc. Targets Higher Margins in 2026
Financial Institutions Inc. (FISI) delivered strong Q4 and full-year 2025 results, exceeding prior guidance for profitability with robust net income and return metrics. Despite near-term pressures like margin compression and strategic portfolio runoff, the company projects higher margins, improved efficiency, and continued growth in commercial loans and wealth management for 2026. Management's guidance suggests a disciplined approach to capital deployment and a balanced earnings profile, leading to a constructive outlook for steady, incremental improvement.
Earnings call transcript: Financial Institutions Inc. beats Q4 2025 earnings estimates
Financial Institutions Inc. (FISI) surpassed Q4 2025 earnings and revenue estimates, reporting an EPS of $0.96 against a forecast of $0.94, and revenue of $64.1 million against an anticipated $62.99 million. The company showcased strong performance, driven by commercial loan growth in Upstate New York, and announced a dividend increase and a new share repurchase plan for 2025. Leadership expressed confidence in continued organic growth, prudent expense management, and building a strong capital position for long-term shareholder value.
Financial Institutions Posts Strong Q4 2025 Earnings Turnaround
Financial Institutions, Inc. (FISI) reported a strong turnaround for Q4 and full-year 2025, with significant net income, record net interest income, and improved margins. The company demonstrated growth in loans and deposits, strengthened its capital through new debt issuance, and repurchased shares. Despite some challenges, analyst sentiment points to a moderate outlook with potential for recovery.
Financial Institutions (NASDAQ:FISI) Announces Earnings Results, Beats Estimates By $0.01 EPS
Financial Institutions (NASDAQ:FISI) reported quarterly earnings of $0.96 per share, surpassing the consensus estimate by $0.01. The company's stock rose 3.0% to $32.93 following the announcement. Analysts have an average "Hold" rating for FISI with a price target of $33.67.
Financial Institutions Inc (NASDAQ:FISI) Q4 2025 Earnings: Revenue Beats, EPS In Line
Financial Institutions Inc. (NASDAQ:FISI) announced its Q4 2025 earnings, reporting revenues of $64.12 million, which surpassed analyst estimates of $58.99 million, while EPS of $0.96 was in line with expectations. The company also reported full-year 2025 net income of $73.4 million, or $3.61 per diluted share, emphasizing a focus on profitable organic growth. Despite a strong revenue beat, the stock saw a slight decline in after-hours trading, with analysts projecting modest sequential dips and full-year growth for 2026.
Financial Institutions: Q4 Earnings Insights
Financial Institutions (NASDAQ: FISI) announced its Q4 earnings, beating estimated EPS by 2.0% with a reported $0.96 versus an estimate of $0.94. Revenue also increased by $10.58 million year-over-year. This performance follows a previous quarter where the company also surpassed EPS estimates, leading to a 9.0% share price increase the next day.
Financial Institutions, Inc. Reports Net Income Available
Financial Institutions, Inc. reported net income available to common shareholders of $19.6 million, or $0.96 per diluted share, for Q4 2025, and $73.4 million, or $3.61 per diluted share, for the full year 2025. These results reflect strong performance across its commercial banking, consumer banking, and wealth management lines. The company highlighted record net interest income, increased loans, effective capital management with share repurchases, and a recent $80.0 million subordinated debt offering.
Financial Institutions, Inc. Reports Net Income Available
Financial Institutions, Inc. reported net income available to common shareholders of $19.6 million, or $0.96 per diluted share, for Q4 2025, and $73.4 million, or $3.61 per diluted share, for the full year 2025. These results reflect strong performance across its commercial banking, consumer banking, and wealth management lines. The company also highlighted record net interest income, a successful $80 million subordinated notes private placement, and share repurchases.
Financial Institutions: Q4 Earnings Snapshot
Financial Institutions Inc. (FISI) reported a net income of $20 million in its fourth quarter, with earnings of 96 cents per share. The company, which is the holding company for Five Star Bank, posted revenue of $96.6 million for the period. Its revenue net of interest expense was $64.1 million, exceeding Street forecasts.
Financial Institutions: Q4 Earnings Snapshot
Financial Institutions Inc. (FISI) reported a net income of $20 million in its fourth quarter, with earnings of 96 cents per share. The company's revenue, net of interest expense, reached $64.1 million, surpassing Street forecasts. For the full year, the bank holding company recorded a profit of $74.9 million, or $3.61 per share, on revenues of $244.9 million.
Earnings call transcript: Financial Institutions Inc. beats Q4 2025 earnings estimates
Financial Institutions Inc. (FISI) surpassed Q4 2025 earnings estimates with an EPS of $0.96 and revenue of $64.1 million, driven by strong commercial lending and strategic positioning in Upstate New York. The company’s outlook for 2026 includes targeted growth in loans and deposits, improved efficiency, and continued focus on profitability. Executives highlighted disciplined organic growth, prudent expense management, and a strong capital position as key drivers for long-term value creation.
Zelle Beefs Up Access to CUs and Community Banks, Adds More Resellers
Zelle announced that 337 financial institutions joined its network in 2025, primarily community banks and credit unions, expanding its reach to 13 million more accounts across 46 states. To facilitate this expansion, especially for smaller institutions without robust infrastructure, Zelle augmented its reseller partnerships, including new agreements with Velera (formerly PSCU/Co-op Solutions) and Alcarati Inc. These partnerships aim to provide easier integration and access to Zelle's P2P services for credit unions and community banks, highlighting the service's positive impact on user satisfaction and customer retention.
Keefe, Bruyette & Woods Forecasts FISI FY2025 Earnings
Keefe, Bruyette & Woods analysts predict Financial Institutions (NASDAQ:FISI) will achieve a FY2025 EPS of $3.57, surpassing the $3.30 consensus, and assign an "Outperform" rating with a $35 price target. The firm also forecasts a Q4 FY2025 EPS of $0.94 for the bank. Despite mixed analyst ratings, the company recently announced a quarterly dividend of $0.31 per share, yielding approximately 3.7%.
Financial Institutions (NASDAQ:FISI) shareholders have earned a 13% CAGR over the last five years
Financial Institutions, Inc. (NASDAQ:FISI) shareholders have seen a 13% CAGR over the last five years, with a total shareholder return (TSR) of 88% when including dividends. While the share price return of 47% lagged the market, the inclusion of dividends made it market-beating. Despite a 31% annual drop in EPS and a 5.2% annual decrease in revenue over the same five-year period, recent buyers have benefited from a 23% increase over the last year, suggesting positive sentiment.
Financial Institutions (FISI) Projected to Post Earnings on Thursday
Financial Institutions (NASDAQ:FISI) is expected to report its Q4 2025 earnings after market close on Thursday, January 29th, with analysts forecasting an EPS of $0.95 and revenue around $62.99 million. The company's stock opened at $33.26, up 5.3%, and has a market capitalization of approximately $669.5 million. Analysts currently rate FISI as a "Hold" with a consensus target price of $33.67, and institutional investors hold 60.45% of the stock.
Financial Institutions, Inc. (NASDAQ:FISI) Sees Significant Drop in Short Interest
Financial Institutions, Inc. (NASDAQ:FISI) experienced a significant 17.1% decline in short interest during December, totaling 390,306 shares as of December 31st. This represents approximately 2.0% of outstanding shares and a days-to-cover ratio of 2.6. The company currently holds a consensus "Hold" rating from analysts with a target price of $33.67, and recently declared a quarterly dividend of $0.31 per share, offering a 3.9% yield.
Financial Institutions, Inc. (NASDAQ:FISI) Receives Consensus Recommendation of "Hold" from Brokerages
Financial Institutions, Inc. (NASDAQ:FISI) has received a consensus "Hold" rating from five brokerages, with an average 12-month price target of $33.67. The company's financials show mixed profitability with a 4.0% dividend yield and a recent $1.0 million share buyback authorization. Institutional investors have been actively trading FISI shares, with several hedge funds increasing their stakes.
Commonwealth Equity Services LLC Sells 83,736 Shares of Financial Institutions, Inc. $FISI
Commonwealth Equity Services LLC reduced its holding in Financial Institutions, Inc. (NASDAQ: FISI) by 20%, selling 83,736 shares, and now owns 334,286 shares valued at $9.09 million. Other institutional investors like AQR Capital Management LLC and MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. also adjusted their stakes. Financial Institutions' stock has a market cap of $627.7 million, a 4.0% dividend yield, and is rated "Hold" by analysts with a consensus target price of $33.67.
Financial Institutions (NASDAQ:FISI) Stock Private Crosses Above Two Hundred Day Moving Average - Time to Sell?
Financial Institutions Inc. (NASDAQ: FISI) saw its stock price cross above its 200-day moving average, trading as high as $32.20. The company currently holds a "Hold" consensus rating from analysts with an average price target of $33.67 and pays a quarterly dividend of $0.31. Institutional investors have recently made adjustments to their holdings in FISI.
Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2025 Earnings Release and Conference Call
Financial Institutions, Inc. (NASDAQ: FISI) will release its fourth quarter and full-year 2025 earnings after market close on January 29, 2026. A conference call and webcast will follow on January 30, 2026, featuring President and CEO Martin K. Birmingham and CFO W. Jack Plants II. The company, parent of Five Star Bank and Courier Capital, LLC, is a financial holding company with approximately $6.3 billion in assets.
Financial Institutions, Inc. Announces Fourth Quarter and Full Year 2025 Earnings Release and Conference Call Details
Financial Institutions, Inc. (NASDAQ: FISI) will release its financial results for the fourth quarter and full year ending December 31, 2025, after market close on January 29, 2026. This will be followed by an earnings conference call on January 30, 2026, at 8:30 a.m. Eastern Time, led by CEO Martin K. Birmingham and CFO W. Jack Plants II. The company, with approximately $6.3 billion in assets, provides banking and wealth management services through its subsidiaries, Five Star Bank and Courier Capital, LLC.
Financial Institutions, Inc. Schedules Fourth Quarter and Full Year 2025 Earnings Release and Conference Call
Financial Institutions, Inc. (NASDAQ: FISI) will release its fourth-quarter and full-year 2025 financial results after the market closes on January 29, 2026. Management will host an earnings conference call and audio webcast on January 30, 2026, at 8:30 a.m. Eastern Time. The call will be led by Martin K. Birmingham, President and CEO, and W. Jack Plants II, CFO and Treasurer, and will be accessible via phone and a live webcast on the company's investor relations website.
(FISI) Volatility Zones as Tactical Triggers
Financial Institutions Inc. (NASDAQ: FISI) is exhibiting a mid-channel oscillation pattern with weak near-term sentiment but potential long-term strength. The analysis identifies an exceptional 26.0:1 risk-reward short setup and provides institutional trading strategies for various risk profiles, including position trading, momentum breakout, and risk hedging. Multi-timeframe signal analysis categorizes support and resistance levels for near, mid, and long-term horizons, with AI-generated signals indicating current price relative to resistance and support.
Financial Institutions (NASDAQ:FISI) Upgraded to "Buy" at Wall Street Zen
Wall Street Zen has upgraded Financial Institutions (NASDAQ:FISI) from a "hold" to a "buy" rating, though MarketBeat's consensus remains "Hold" with a $33.67 average price target. The company recently reported $0.99 EPS on $63.85M revenue, and its board authorized a $1.0M share buyback, indicating a belief that the stock may be undervalued. Institutional investors hold approximately 60.45% of the company's shares.
Financial Institutions (NASDAQ:FISI) Rating Lowered to Hold at Wall Street Zen
Wall Street Zen downgraded Financial Institutions (NASDAQ:FISI) from a "buy" to a "hold" rating, contributing to an overall "Hold" consensus among analysts with an average target price of $33.67. The company, with a market cap of $644.8M, reported Q3 EPS of $0.99 and revenue of $63.85M, but carried a negative net margin. Financial Institutions also authorized a small $1.0M share buyback, and institutional investors hold approximately 60.45% of the stock.
Financial Institutions, Inc. (NASDAQ:FISI) Receives Consensus Recommendation of "Hold" from Analysts
Financial Institutions, Inc. (NASDAQ:FISI) has received a consensus "Hold" rating from analysts, with four hold ratings and one buy rating. The average 1-year price target is $33.67. Recent analyst actions include an upgrade by Keefe, Bruyette & Woods to "outperform" and a downgrade by Wall Street Zen from "buy" to "hold".
Financial Institutions (NASDAQ:FISI) Upgraded to "Hold" at Piper Sandler
Piper Sandler has reiterated its "Hold" rating for Financial Institutions (NASDAQ:FISI), assigning a $34 price target, suggesting a potential upside of 3.90%. The bank's stock was trading at $32.73, near its 52-week high, with a market capitalization of approximately $659 million and a negative P/E ratio of -23.88. The company recently reported quarterly EPS of $0.99 and announced a $1.0 million share buyback program.
Canandaigua National Bank & Trust Co. Has $4.89 Million Position in Financial Institutions, Inc. $FISI
Canandaigua National Bank & Trust Co. significantly reduced its stake in Financial Institutions, Inc. (NASDAQ:FISI) by 35.8% in Q3, now holding 179,723 shares valued at $4.89 million. Despite this, other institutional investors have recently adjusted their positions, and 60.45% of the stock is owned by institutions. Financial Institutions, Inc. trades near its 12-month high, boasts a market cap of $649.60 million, and has a consensus "Moderate Buy" rating from analysts with an average target price of $33.33.
FISI Stock Rating by Piper Sandler: Neutral with $34 Target | FI
Piper Sandler has initiated coverage on Financial Institutions Inc. (FISI) with a Neutral rating and set a new price target of $34.00 USD. This follows a recent rating maintenance and price target raise by Keefe, Bruyette & Woods, indicating varied analyst perspectives on the stock. While Wall Street analysts have an average target suggesting an 8.86% upside, GuruFocus' estimated GF Value indicates a potential downside of 29.77%.
Financial Institutions, Inc. Plans Quarterly Dividend of $0.31 (NASDAQ:FISI)
Financial Institutions, Inc. (NASDAQ:FISI) announced a quarterly dividend of $0.31 per share, payable on January 2nd to shareholders of record on December 15th. This dividend, representing an annualized yield of 3.8%, appears sustainable given the company's 32.6% payout ratio and projected future earnings. Analysts have a "Moderate Buy" rating on the stock with a consensus price target of $33.33.
Financial Institutions, Inc. Announces Completion of $80.0 Million Private Placement of Subordinated Notes
Financial Institutions, Inc. (FISI) has completed an $80.0 million private placement of fixed-to-floating rate subordinated notes due 2035. The company will use the net proceeds to redeem $65.0 million in existing debt with interest rates over 8.00%, expecting to save on interest expenses and temporarily elevate its Total Risk-Based Capital ratio. The notes received a BBB- rating from Kroll Bond Rating Agency, reflecting improved profitability and capital position.
Financial Institutions completes $80 million subordinated notes offering
Financial Institutions, Inc. (NASDAQ:FISI) announced the successful completion of a private placement of $80 million in fixed-to-floating rate subordinated notes due 2035. The funds will be used to refinance existing debt at more attractive rates and for general corporate purposes. This move follows impressive Q3 2025 earnings and a revised "Stable" long-term outlook from Kroll Bond Rating Agency, boosting analyst confidence.
Financial Institutions, Inc. Completes $80 Million Private Placement of Subordinated Notes to Strengthen Capital Position
Financial Institutions, Inc. (FISI) has successfully completed an $80 million private placement of fixed-to-floating rate subordinated notes due 2035, intended for refinancing existing debt and general corporate purposes. These notes, rated BBB- by Kroll Bond Rating Agency, bear an initial interest rate of 6.50% and are expected to temporarily boost the company's Total Risk-Based Capital ratio by approximately 150 basis points. Piper Sandler & Co. acted as the sole placement agent for the transaction, which aims to enhance the company's capital position and improve financial efficiency.
Financial Institutions Completes $80M Subordinated Notes Placement
Financial Institutions, Inc. (FISI) completed an $80 million subordinated notes placement due 2035, with proceeds primarily used to redeem $65 million of higher-interest debt. This strategic move is anticipated to enhance the company's Total Risk-Based Capital ratio by approximately 150 basis points and has received a stable BBB- rating from Kroll Bond Rating Agency. Analysts currently rate FISI as a Hold with a $33.00 price target, while TipRanks’ AI Analyst, Spark, also provides a neutral outlook.
