Skip to main content
Equibles
FISI logo

FISI · Financial Institutions Inc

Track FISI — free

Use FISI with AI

Ask our own analyst here, or connect this data to the AI you already use.

Ask ALVIS about FISI

Free, nothing to set up — ALVIS runs on the same tools and cites every figure.

or use your own AI

The free Equibles MCP server lets any client query SEC filings, earnings calls, KPIs, holdings and prices directly — read-only, OAuth-secured, cited to the filing.

ChatGPT Claude Gemini
Server URL
https://mcp.equibles.com/mcp
All connection guides →
$41.68 -0.07 (-0.17%)
Market Cap
$822.74M
Shares
19.71M

Financial Institutions Inc Earnings Call Transcripts

Every quarterly earnings call for Financial Institutions Inc (FISI) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Earnings call
FY26 · Q2
2026-07-24
Financial Institutions, Inc. Second Quarter 2026 Earnings Call
Confident tone Loan growth and commercial lending momentum Net interest margin and rate outlook Residential mortgage expansion
Diluted EPS
$1.04
▲ 22.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-04-24
Financial Institutions Inc Q1 FY2026 Earnings Call
Positive tone Loan Growth and Commercial Pipeline Deposit Strategy and Funding Capital Management and Share Repurchases
Diluted EPS
$1.04
▲ 28.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-30
Financial Institutions Inc Q4 FY2025 Earnings Call
Confident tone Upstate New York markets and Micron investment Deposit mix and reciprocal deposits Loan growth and commercial lending
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-23
Financial Institutions Inc Q3 FY2025 Earnings Call
Confident tone Loan growth and commercial lending Net interest margin and rate outlook Deposits and funding
Diluted EPS
$0.99
▲ 17.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-24
Financial Institutions Inc Q2 FY2025 Earnings Call
Positive tone Net interest margin expansion Deposits and BaaS wind-down Loan growth and commercial lending
Diluted EPS
$0.85
▼ 47.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-28
Financial Institutions Inc Q1 FY2025 Earnings Call
Positive tone Loan growth outlook Asset quality and credit Investment securities restructuring impact
Diluted EPS
$0.81
▲ 636.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Financial Institutions Inc Q4 FY2024 Earnings Call
Confident tone Capital Ratios and Regulatory Metrics Net Interest Margin and Profitability Outlook Asset Quality and Reserves
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-24
Financial Institutions Inc Q3 FY2024 Earnings Call
Positive tone Net interest margin and rate sensitivity Deposit growth and funding mix Loan growth and commercial pipeline
Diluted EPS
$0.84
▼ 4.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-25
Financial Institutions Inc Q2 FY2024 Earnings Call
Positive tone Loan growth and commercial lending Net interest margin and interest rate environment Asset quality and credit metrics
Diluted EPS
$1.62
▲ 78% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Financial Institutions Inc Q1 FY2024 Earnings Call
Cautious tone Indirect auto portfolio Fraud event and charge-off Net interest margin
Diluted EPS
$0.11
▼ 85.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Financial Institutions Inc Q4 FY2023 Earnings Call
Positive tone Loan portfolio growth Deposit growth and competition Organizational realignment and expense control
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-26
Financial Institutions Inc Q3 FY2023 Earnings Call
Diluted EPS
$0.88
▲ 0% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-27
Financial Institutions Inc Q2 FY2023 Earnings Call
Diluted EPS
$0.91
▼ 8.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-26
Financial Institutions Inc Q1 FY2023 Earnings Call
Diluted EPS
$0.76
▼ 18.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2022-12-31
Financial Institutions Inc Q4 FY2022 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Financial Institutions Inc Q3 FY2022 Earnings Call
Diluted EPS
$0.88
▼ 16.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Financial Institutions Inc Q2 FY2022 Earnings Call
Diluted EPS
$0.99
▼ 20.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-27
Financial Institutions Inc Q1 FY2022 Earnings Call
Diluted EPS
$0.93
▼ 26.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-31
Financial Institutions Inc Q4 FY2021 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Financial Institutions Inc Q3 FY2021 Earnings Call
Diluted EPS
$1.05
▲ 41.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Financial Institutions Inc Q2 FY2021 Earnings Call
Diluted EPS
$1.25
▲ 86.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-28
Financial Institutions Inc Q1 FY2021 Earnings Call
Diluted EPS
$1.27
▲ 2440% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-29
Financial Institutions Inc Q4 FY2020 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-29
Financial Institutions Inc Q3 FY2020 Earnings Call
Diluted EPS
$0.74
▼ 5.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-29
Financial Institutions Inc Q2 FY2020 Earnings Call
Diluted EPS
$0.67
▼ 2.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-30
Financial Institutions Inc Q1 FY2020 Earnings Call
Diluted EPS
$0.05
▼ 92.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-30
Financial Institutions Inc Q4 FY2019 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Showing 1–27 of 27 earnings calls
Key facts CIK 862831 CUSIP 317585404 13F (30d) 151 filings 149 filers Visit website

Report a Problem

Category
Description
Email (optional, for follow-up)