Financial Institutions, Inc. (FISI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 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 | 38.27M | 37.73M |
| NII Growth % | 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% | 7.81% | 10.39% |
| Net Interest Margin % | 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% | 0.68% | 0.71% |
| Interest Income | 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 | 41.23M | 40.95M |
| Interest Expense | 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 | 2.95M | 3.22M |
| Loan Loss Provision | 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 | -541K | -4.62M |
| Non-Interest Income | 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 | 11.39M | 9.95M |
| Non-Interest Income % | 11.57% | 12.33% | 12.29% | 11.06% | 10.94% | 667.97% | 10.4% | 22.76% | 11.87% | 16.11% | 11.91% | 13.39% | 14.34% | 15.68% | 19.9% | 19.71% | 19.91% | 20.64% | 21.65% | 19.55% |
| Total Revenue | 92.24M | 96.56M | 96.25M | 93.18M | 91.01M | -13.75M | 86.95M | 102M | 88.97M | 91.24M | 84.8M | 82.11M | 74.44M | 68.55M | 63.26M | 56.39M | 52.88M | 55.13M | 52.62M | 50.9M |
| Revenue Growth % | 1.35% | 802.04% | 10.7% | -8.65% | 2.29% | -115.07% | 2.54% | 24.22% | 19.52% | 33.1% | 34.04% | 45.6% | 40.78% | 24.34% | 20.23% | 10.79% | -0.93% | 8.3% | 1.1% | 2.39% |
| Non-Interest Expense | 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 | 28.48M | 26.71M |
| Efficiency Ratio | 41.02% | 38.03% | 36.89% | 37.72% | 36.88% | -423.24% | 36.41% | 31.2% | 38.77% | 37.67% | 40.28% | 40% | 44.45% | 48.61% | 51.79% | 57.89% | 55.49% | 53.69% | 54.12% | 52.46% |
| Operating Income | 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 | 21.73M | 25.6M |
| Operating Margin % | 26.92% | 24.85% | 26.22% | 23.07% | 22.66% | 838.07% | 16.73% | 29.56% | 2.73% | 16.37% | 19.41% | 20.45% | 19.97% | 21.09% | 29.37% | 34.59% | 34.85% | 43.24% | 41.3% | 50.29% |
| Operating Income Growth % | 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% | 42.83% | 88.61% |
| Pretax Income | 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 | 21.73M | 25.6M |
| Pretax Margin % | 26.92% | 24.85% | 26.22% | 23.07% | 22.66% | 838.07% | 16.73% | 29.56% | 2.73% | 16.37% | 19.41% | 20.45% | 19.97% | 21.09% | 29.37% | 34.59% | 34.85% | 43.24% | 41.3% | 50.29% |
| Income Tax | 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 | 4.55M | 5.4M |
| Effective Tax Rate % | 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% | 20.95% | 21.09% |
| Net Income | 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 | 17.18M | 20.2M |
| Net Margin % | 22.75% | 20.69% | 21.27% | 18.82% | 18.55% | 602.09% | 15.49% | 25.13% | 2.33% | 10.72% | 16.54% | 17.5% | 16.24% | 17.63% | 21.9% | 27.75% | 28.34% | 35.57% | 32.64% | 39.68% |
| Net Income Growth % | 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% | 39.94% | 81.46% |
| Net Income (Continuing) | 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 | 17.18M | 20.2M |
| EPS (Diluted) | 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 | 1.05 | 1.25 |
| EPS Growth % | 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% | 41.89% | 86.57% |
| EPS (Basic) | 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 | 1.06 | 1.25 |
| Diluted Shares Outstanding | 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 | 15.94M | 15.91M |