Financial Institutions, Inc. (FISI) Earnings History
Steady Earner28 years of earnings data (1998–2025) · Positive but moderate multi-year EPS trajectory
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Financial Institutions, Inc. (FISI) Earnings Overview
As of November 8, 2026, Financial Institutions, Inc. (FISI) reported trailing twelve-month net income of $82M, reflecting +231.3% year-over-year growth. The company earned $4.13 per diluted share over the past four quarters, with a net profit margin of 30.6%.
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 95.3%, operating margin of 37.3%, and net margin of 30.6%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), TRMK ($236M net income, 27.7% margin), CNOB ($150M net income, 25.5% 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 | 30.6% | 37.3% |
| 2024 | -$42M | -182.9% | -$68M | $-2.75 | -36.4% | -59.5% |
| 2023 | $50M | -11.2% | $63M | $3.15 | 23.7% | 29.7% |
| 2022 | $57M | -27.2% | $71M | $3.56 | 26.6% | 33.4% |
| 2021 | $78M | +102.7% | $97M | $4.78 | 38.9% | 48.7% |
| 2020 | $38M | -21.6% | $46M | $2.30 | 21.1% | 25.1% |
| 2019 | $49M | +23.6% | $59M | $2.96 | 28.8% | 35.0% |
| 2018 | $40M | +17.9% | $50M | $2.39 | 25.0% | 31.3% |
| 2017 | $34M | +5.0% | $43M | $2.13 | 22.8% | 29.5% |
| 2016 | $32M | +12.7% | $44M | $2.10 | 23.1% | 32.0% |
| 2015 | $28M | -3.5% | $39M | $1.90 | 22.6% | 31.1% |
| 2014 | $29M | +15.0% | $39M | $2.00 | 24.4% | 32.4% |
| 2013 | $26M | +8.9% | $38M | $1.75 | 22.1% | 32.8% |
| 2012 | $23M | +2.9% | $35M | $1.60 | 20.8% | 30.9% |
| 2011 | $23M | +7.1% | $34M | $1.49 | 21.6% | 32.3% |
| 2010 | $21M | +47.4% | $31M | $1.61 | 21.7% | 31.2% |
| 2009 | $14M | +155.2% | $21M | $0.99 | 15.1% | 21.5% |
| 2008 | -$26M | -259.4% | -$47M | $-2.54 | -30.9% | -56.0% |
| 2007 | $16M | -5.5% | $21M | $1.33 | 20.8% | 26.9% |
| 2006 | $17M | +701.6% | $24M | $1.40 | 21.3% | 29.0% |
| 2005 | $2M | -82.7% | $3M | $0.06 | 2.2% | 2.9% |
| 2004 | $12M | -12.3% | $16M | $0.98 | 12.8% | 16.5% |
| 2003 | $14M | -46.1% | $18M | $1.13 | 14.5% | 18.6% |
| 2002 | $26M | +24.7% | $39M | $2.23 | 27.0% | 39.7% |
| 2001 | $21M | +17.2% | $32M | $1.77 | 26.3% | 40.0% |
| 2000 | $18M | +13.4% | $28M | $1.51 | 29.1% | 44.8% |
| 1999 | $16M | +17.3% | $25M | $1.38 | 29.1% | 45.1% |
| 1998 | $14M | - | $21M | $1.22 | 28.1% | 43.4% |
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FISI — Frequently Asked Questions
Quick answers to the most common questions about buying FISI stock.
What is FISI earnings per share (EPS)?
FISI trailing twelve-month (TTM) diluted EPS is $4.13, reflecting +231.3% year-over-year growth. The 5-year EPS CAGR is +9.4%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Financial Institutions, Inc.'s net income?
Financial Institutions, Inc. (FISI) trailing twelve-month net income is $82M as of 2025. Earnings grew +231.3% year-over-year.
Is FISI profitable?
Yes, FISI is profitable with a TTM net income of $82M and a net profit margin of +30.6%.
What is FISI's earnings growth rate?
FISI compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: +0.5%, 5-Year: +9.4%, 10-Year: +6.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are FISI's profit margins?
Financial Institutions, Inc. net profit margin is +30.6%, operating margin is +37.3%, and gross margin is +95.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.5%.
Is FISI growing earnings?
Yes, FISI earnings are accelerating — EPS growth of +231.3% exceeds the 5-year CAGR of +9.4%. TTM net income reached $82M. Earnings momentum is strengthening.
What was FISI's best earnings year?
Financial Institutions, Inc.'s highest annual net income on record is $78M, achieved in fiscal year 2021. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were FISI's earnings last quarter?
FISI's most recent reported quarter was Q3 2026. Net income was $20M with diluted EPS of $0.99. For a full breakdown of all quarters, see the quarterly earnings table on this page.