Financial Institutions, Inc. (FISI) Earnings History
Annual and quarterly earnings data from 1998 to 2025
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FISI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FISI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 61.7% | 24.2% | 19.8% |
| 2024 | 33.3% | -25.8% | -15.8% |
| 2023 | 59.3% | 19.0% | 15.1% |
| 2022 | 82.2% | 29.4% | 23.5% |
| 2021 | 98.0% | 45.9% | 36.6% |
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Financial Institutions, Inc. (FISI) Earnings Overview
As of May 8, 2026, Financial Institutions, Inc. (FISI) reported trailing twelve-month net income of $75M, reflecting +231.3% year-over-year growth. The company earned $3.68 per diluted share over the past four quarters, with a net profit margin of 19.8%.
Looking at the long-term picture, FISI's 5-year EPS compound annual growth rate (CAGR) stands at +9.4%, showing solid earnings momentum. The company achieved its highest annual net income of $78M in fiscal 2021.
Financial Institutions, Inc. maintains industry-leading profitability with a gross margin of 61.7%, operating margin of 24.2%, and net margin of 19.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), TRMK ($224M net income, 20.0% margin), CNOB ($80M net income, 13.3% margin), FISI has outperformed on profitability metrics. Compare FISI vs NBTB →
FISI Earnings vs Peers
Earnings metrics vs comparable public companies
FISI Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $75M | +279.8% | $91M | $3.61 | 19.8% | 24.2% |
| 2024 | -$42M | -182.9% | -$68M | $-2.75 | -15.8% | -25.8% |
| 2023 | $50M | -11.2% | $63M | $3.15 | 15.1% | 19.0% |
| 2022 | $57M | -27.2% | $71M | $3.56 | 23.5% | 29.4% |
| 2021 | $78M | +102.7% | $97M | $4.78 | 36.6% | 45.9% |
| 2020 | $38M | -21.6% | $46M | $2.30 | 18.8% | 22.4% |
| 2019 | $49M | +23.6% | $59M | $2.96 | 23.4% | 28.5% |
| 2018 | $40M | +17.9% | $50M | $2.39 | 21.0% | 26.3% |
| 2017 | $34M | +5.0% | $43M | $2.13 | 20.4% | 26.4% |
| 2016 | $32M | +12.7% | $44M | $2.10 | 21.2% | 29.3% |
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Start ComparisonFISI — Frequently Asked Questions
Quick answers to the most common questions about buying FISI stock.
Is FISI growing earnings?
FISI EPS is $3.68, with earnings growth accelerating to +231.3%. This exceeds the 5-year CAGR of +9.4%. TTM net income reached $75M.
What are FISI's profit margins?
Financial Institutions, Inc. net margin is +19.8%, with operating margin at +24.2%. Above-average margins indicate pricing power.
How consistent are FISI's earnings?
FISI earnings data spans 1998-2025. The accelerating earnings trend is +231.3% YoY. Historical data enables comparison across business cycles.