Financial Institutions (FISI) earnings

FINANCIAL INSTITUTIONS INC· Financials

Results to: Jun 2026
Latest analysed call: Jun 2026 (Q2 FY26)
Balance sheet to: Dec 2025

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Financial Institutions earnings: last reported Fri, 24 Jul 2026, for the quarter ended Jun 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	21.2 $ million	+20.8% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$40.58 −0.27% · −$0.11

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +52.4% 1Y

1Y: $26.63 on 22 Oct 2025 → $40.58. High $42.7 (4 Aug 2026), low $26.48 (23 Oct 2025).

Previous close: $40.69
52-week range: $26.48 – $42.7
One year: +53.25%

Overview

Symbol: FISI
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +21% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	15	-115	21	21	25	24	25	26
Tax rate	7.4%	28.2%	18.2%	18.4%	18.9%	16.7%	15.5%	17.3%
Net profit	13	-83	17	18	20	20	21	21
EPS ($ per share)	0.85	—	0.82	0.85	1	—	1.05	1.06

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	0	0	0	0	0	0	0	0
Reserves	280	313	325	384	421	452	389	437
Total liabilities	3,915	3,945	4,444	5,016	5,392	5,706	5,548	5,645
Fixed assets	43	41	41	40	42	40	40	40
Total assets	4,312	4,384	4,912	5,521	5,797	6,161	6,117	6,274

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	65	58	43	73	134	11	77	19
Cash from investing	-225	-25	-531	-633	-325	-310	-8	-140
Cash from financing	164	-23	469	546	243	293	-106	143
Net cash flow	4	10	-19	-15	51	-6	-37	21
Capital expenditure	-3	-4	-4	-9	-8	-3	-5	-6
Free cash flow	62	54	39	64	125	8	72	13

Source: Inve data · cash flow · to Dec 2025

Insider filings

37 filings between Nov 28, 2025 and Sep 25, 2026.

Open market

decisions to buy or sell

Purchases

$44.7K

2 purchases by 2 insiders

Sales

None

No insider sold shares.

Compensation

not trading decisions

20: Award — granted as compensation
8: Option exercise — converted options into shares
7: Tax withheld — shares kept back by the company to cover tax

Who traded

open market only

Insider	Bought	Sold	Last filing
Zupan Mark	$24.8K	—	Sep 2, 2026
Plants William Jack II	$19.9K	—	Mar 12, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 25, 2026	JONES BLAKE G Chief Marketing Officer	Tax withheld	360	$14.5K
Sep 25, 2026	JONES BLAKE G Chief Marketing Officer	Option exercise	1,000	$0
Sep 2, 2026	Zupan Mark Director	Purchase	608	$24.8K
May 20, 2026	VanGelder Kim E Director	Award	1,282	$0
May 20, 2026	Burlew Dawn H Director	Award	1,282	$0
May 20, 2026	PANZARELLA ANGELA J Director	Award	1,282	$0
May 20, 2026	Burlew Dawn H Director	Award	313	$11.0K
May 20, 2026	Finch Steven C. Director	Award	1,282	$0
May 20, 2026	Finch Steven C. Director	Award	391	$13.7K
May 20, 2026	Schrader Robert L. Director	Award	1,282	$0
May 20, 2026	HARTING BRUCE W Director	Award	1,282	$0
May 20, 2026	Bovenzi David Director	Award	1,282	$0
May 20, 2026	Bovenzi David Director	Award	391	$13.7K
May 20, 2026	Zupan Mark Director	Award	1,282	$0
May 20, 2026	Latella Robert N Director	Award	1,282	$0
May 20, 2026	Glaser Robert M Director	Award	1,282	$0
May 20, 2026	PANZARELLA ANGELA J Director	Award	925	$32.5K
May 20, 2026	HOLLIDAY SUSAN R Director	Award	1,282	$0
May 20, 2026	DORN ANDREW W JR Director	Award	1,282	$0
Mar 20, 2026	BIRMINGHAM MARTIN KEARNEY President & CEO	Option exercise	10,672	—
Mar 20, 2026	Burruano Samuel J Jr Chief Legal Officer	Option exercise	2,416	—
Mar 20, 2026	Burruano Samuel J Jr Chief Legal Officer	Tax withheld	870	$26.6K
Mar 20, 2026	BYERS SANDRA L Insider	Option exercise	690	—
Mar 20, 2026	Quinn Kevin B Chief Comm Banking Officer	Option exercise	2,684	—
Mar 20, 2026	Quinn Kevin B Chief Comm Banking Officer	Tax withheld	967	$29.6K
Mar 20, 2026	PACOS GARY A. Chief Risk Officer	Option exercise	2,302	—
Mar 20, 2026	PACOS GARY A. Chief Risk Officer	Tax withheld	829	$25.4K
Mar 20, 2026	Plants William Jack II Chief Financial Officer	Option exercise	2,898	—
Mar 20, 2026	Plants William Jack II Chief Financial Officer	Tax withheld	1,044	$31.9K
Mar 20, 2026	Collins Laurie R Chief Human Resources Officer	Option exercise	2,254	—
Mar 20, 2026	Collins Laurie R Chief Human Resources Officer	Tax withheld	812	$24.8K
Mar 20, 2026	BIRMINGHAM MARTIN KEARNEY President & CEO	Tax withheld	3,847	$117.7K
Mar 12, 2026	Plants William Jack II Chief Financial Officer	Purchase	660	$19.9K
Nov 28, 2025	Glaser Robert M Director	Award	571	$17.5K
Nov 28, 2025	Burlew Dawn H Director	Award	408	$12.5K
Nov 28, 2025	PANZARELLA ANGELA J Director	Award	898	$27.5K
Nov 28, 2025	Zupan Mark Director	Award	449	$13.7K
Jul 8, 2025	BYERS SANDRA L Insider	Option exercise	250	$0
May 28, 2025	VanGelder Kim E Director	Award	1,361	$0
May 28, 2025	Zupan Mark Director	Award	535	$13.7K
May 28, 2025	Burlew Dawn H Director	Award	1,361	$0
May 28, 2025	Burlew Dawn H Director	Award	607	$15.6K
May 28, 2025	HARTING BRUCE W Director	Award	1,361	$0
May 28, 2025	Glaser Robert M Director	Award	1,361	$0
May 28, 2025	Glaser Robert M Director	Award	680	$17.5K
May 28, 2025	DORN ANDREW W JR Director	Award	1,361	$0
May 28, 2025	BOSWELL DONALD Director	Award	1,361	$0
May 28, 2025	PANZARELLA ANGELA J Director	Award	1,361	$0
May 28, 2025	PANZARELLA ANGELA J Director	Award	1,070	$27.5K
May 28, 2025	Latella Robert N Director	Award	1,361	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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