FISI · Financial Institutions Inc
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 24, 2026TL;DR. FISI reported strong Q2 2026 results with 2.7% loan growth and 21bp margin expansion year-over-year, and raised full-year guidance for NIM (to ~370bps), ROA (to ≥1.30%), and ROE (to ≥12.5%).
- + Raised full-year NIM guidance from upper 360s to approximately 370 basis points
- + Raised full-year ROA guidance from 1.22% to at least 1.30% and ROE guidance from 11.9% to at least 12.5%
- + Raised full-year COLI income outlook to at least $11 million from $10.5 million
- + Improved full-year efficiency ratio outlook to below 57%
- − Consumer indirect loans declined 7.5% YoY due to disciplined spread/credit stance, pressuring overall loan growth
- − Total deposits fell 0.7% QoQ to $5.30B reflecting public deposit seasonality, even as year-over-year deposits grew 2.8%
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FISI
this stock
Financial Institutions Inc
|
$792.79M | +28.3% | — | 10.0 | 3.4% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FISI | -0.6% | -2.9% | +18.1% | +2.6% | +28.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.4% | -2.5% | +5.9% | +1.7% | +15.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.