FISI
Financial Institutions·NASDAQ
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FISI fundamentals
Financial Institutions (FISI) released its earnings on Jan 29, 2026: revenue was 64.12M (YoY +32.64%), beat estimates; EPS was 0.96 (YoY +68.42%), beat estimates.
Revenue / YoY
64.12M
+32.64%
EPS / YoY
0.96
+68.42%
Report date
Jan 29, 2026
FISI Earnings Call Summary for Q4,2025
- Record 2025 Performance: ROA 120bps, ROE 12.38%, efficiency 58%. Q4 net income $19.6M, full-year $73.4M.
- 2026 Growth Targets: 5% loan growth, mid-360s NIM, ROA ≥122bps.
- Strategic Initiatives: Reciprocal deposit strategy, Syracuse semiconductor investment, COLI normalization.
- Capital Allocation: Share buybacks ($11M in Q4), sub-debt issuance ($80M at 6.5%).
- Risk Management: 2026 net charge-offs 25-35bps, tax rate 16.5-17.5%.
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Key Indicators
Financial Institutions (FISI) key financial stats and ratios, covering profitability, financial health, and leverage.
Financial Institutions (FISI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Financial Institutions (FISI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Financial Institutions (FISI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Financial Institutions (FISI) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Financial Institutions (FISI) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from Financial Institutions’s earnings call?What is Financial Institutions's latest dividend and current dividend yield?What guidance did Financial Institutions's management provide for the next earnings period?What does Financial Institutions do and what are its main business segments?Did Financial Institutions beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for Financial Institutions year over year?What is Financial Institutions's gross profit margin?What factors drove the changes in Financial Institutions's revenue and profit?
