Financial Institutions, Inc. (FISI) Quarterly Income Statement

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Financial Institutions, Inc. (FISI) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

FISI Income Statement

Financial Institutions, Inc. (FISI) annual income statement — 28-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	54.29M	53.36M	51.99M	52.21M	51.79M	49.12M	46.86M	41.63M	40.68M	41.19M	40.08M	39.89M	41.68M	42.34M	41.81M	43.15M	43.07M	41.6M	39.56M	40.87M
NII Growth %	4.83%	8.63%	10.94%	25.41%	27.31%	19.25%	16.92%	4.38%	-2.39%	-2.7%	-4.14%	-7.56%	-3.23%	1.78%	5.71%	5.58%	12.53%	10.24%	4.49%	12.95%
Net Interest Margin %	0.94%	0.84%	0.83%	0.83%	0.82%	0.8%	0.74%	0.68%	0.66%	0.67%	0.64%	0.65%	0.68%	0.69%	0.7%	0.74%	0.77%	0.75%	0.7%	0.74%
Interest Income	85M	83.08M	81.56M	84.65M	84.42M	82.87M	81.05M	78.12M	77.91M	78.79M	78.41M	76.55M	74.7M	71.11M	63.77M	57.8M	50.67M	45.28M	42.35M	43.75M
Interest Expense	30.71M	29.71M	29.57M	32.44M	32.63M	33.74M	34.19M	36.49M	37.23M	37.59M	38.33M	36.66M	33.02M	28.78M	21.96M	14.66M	7.61M	3.68M	2.79M	2.88M
Loan Loss Provision	3.88M	2.09M	0	3.4M	2.88M	2.79M	2.63M	6.82M	3.51M	2.44M	13.72M	5.27M	1.15M	3.7M	4.54M	6.12M	4.31M	563K	2.32M	-1.19M
Non-Interest Income	10.46M	-52.52M	10.67M	11.91M	11.83M	10.31M	9.96M	-91.87M	9.04M	23.21M	10.56M	14.7M	10.1M	11M	10.67M	10.75M	12.59M	11.12M	10.53M	11.38M
Non-Interest Income %	16.15%	-6222.39%	17.03%	18.57%	18.6%	17.35%	17.52%	182.87%	18.18%	36.04%	20.85%	26.92%	19.5%	20.62%	20.33%	19.94%	22.62%	21.09%	21.02%	21.78%
Total Net Revenue	64.75M	844K	62.67M	64.12M	63.62M	59.43M	56.82M	-50.24M	49.72M	64.4M	50.64M	54.58M	51.77M	53.33M	52.49M	53.9M	55.66M	52.72M	50.09M	52.25M
Revenue Growth %	1.77%	-98.58%	10.28%	227.63%	27.96%	-7.72%	12.21%	-192.04%	-3.96%	20.76%	-3.52%	1.27%	-6.98%	1.17%	4.8%	3.15%	12.07%	10.55%	0.25%	11.35%
Non-Interest Expense	36.82M	23.58M	37.83M	36.72M	35.51M	35.14M	33.56M	58.21M	31.66M	31.82M	34.49M	34.38M	34.16M	32.85M	33.09M	33.32M	32.76M	32.65M	29.34M	29.6M
Efficiency Ratio	56.87%	2794.08%	60.37%	57.27%	55.81%	59.13%	59.07%	-115.87%	63.67%	49.41%	68.11%	62.98%	65.97%	61.59%	63.04%	61.83%	58.87%	61.93%	58.58%	56.66%
Operating Income	24.05M	-24.83M	24.83M	24M	25.24M	21.5M	20.62M	-115.27M	14.55M	30.15M	2.43M	14.94M	16.46M	16.79M	14.86M	14.46M	18.58M	19.51M	18.43M	23.84M
Operating Margin %	37.14%	-2942.18%	39.63%	37.43%	39.67%	36.17%	36.3%	229.43%	29.26%	46.81%	4.79%	27.36%	31.8%	31.48%	28.32%	26.83%	33.38%	37%	36.79%	45.62%
Operating Income Growth %	-4.72%	-215.52%	20.4%	120.82%	73.48%	-28.7%	750.12%	-871.75%	-11.63%	79.54%	-83.68%	3.31%	-11.39%	-13.92%	-19.33%	-39.35%	-14.49%	-23.8%	-29.29%	53.91%
Pretax Income	24.05M	25.6M	24.83M	24M	25.24M	21.5M	20.62M	-115.27M	14.55M	30.15M	2.43M	14.94M	16.46M	16.79M	14.86M	14.46M	18.58M	19.51M	18.43M	23.84M
Pretax Margin %	37.14%	3033.41%	39.63%	37.43%	39.67%	36.17%	36.3%	229.43%	29.26%	46.81%	4.79%	27.36%	31.8%	31.48%	28.32%	26.83%	33.38%	37%	36.79%	45.62%
Income Tax	4.06M	4.42M	3.85M	4.02M	4.76M	3.96M	3.75M	-32.46M	1.08M	4.52M	356K	5.16M	2.44M	2.42M	2.77M	2.37M	4.72M	3.86M	3.44M	4.22M
Effective Tax Rate %	16.87%	17.26%	15.49%	16.74%	18.86%	18.44%	18.16%	28.16%	7.44%	14.98%	14.67%	34.52%	14.82%	14.4%	18.67%	16.39%	25.43%	19.78%	18.69%	17.72%
Net Income	19.99M	21.18M	20.98M	19.98M	20.48M	17.53M	16.88M	-82.81M	13.47M	25.63M	2.07M	9.78M	14.02M	14.37M	12.09M	12.09M	13.85M	15.65M	14.98M	19.61M
Net Margin %	30.87%	2509.95%	33.49%	31.16%	32.19%	29.5%	29.7%	164.83%	27.08%	39.79%	4.09%	17.92%	27.08%	26.95%	23.03%	22.43%	24.89%	29.68%	29.92%	37.54%
Net Income Growth %	-2.38%	20.83%	24.33%	124.13%	52.06%	-31.59%	715.36%	-946.74%	-3.97%	78.31%	-82.88%	-19.09%	1.21%	-8.15%	-19.32%	-38.36%	-19.34%	-22.53%	-27.65%	42.12%
Net Income (Continuing)	19.99M	21.18M	20.98M	19.98M	20.48M	17.53M	16.88M	-82.81M	13.47M	25.63M	2.07M	9.78M	14.02M	14.37M	12.09M	12.09M	13.85M	15.65M	14.98M	19.61M
EPS (Diluted)	0.99	1.05	1.04	0.96	0.99	0.85	0.81	-5.07	0.84	1.62	0.11	0.61	0.88	0.91	0.76	0.76	0.88	0.99	0.93	1.21
EPS Growth %	0%	23.53%	28.4%	118.93%	17.86%	-47.53%	636.36%	-931.15%	-4.55%	78.02%	-85.53%	-19.74%	0%	-8.08%	-18.28%	-37.19%	-16.19%	-20.8%	-26.77%	44.05%
EPS (Basic)	1.00	1.06	1.05	0.98	1.00	0.85	0.82	-5.07	0.85	1.64	0.11	0.61	0.89	0.91	0.76	0.76	0.88	1.00	0.94	1.22
Diluted Shares Outstanding	19.9M	19.92M	19.92M	20.32M	20.34M	20.29M	20.29M	16.41M	15.64M	15.56M	15.54M	15.51M	15.46M	15.41M	15.44M	15.41M	15.39M	15.38M	15.7M	15.93M