Financial Institutions, Inc. reports recurring developments as the parent company of Five Star Bank and Courier Capital, LLC. Company news centers on commercial banking, consumer banking and wealth management activity, including loan and deposit trends, net interest income, noninterest income, profitability metrics and operating results across its banking franchise.
Updates also cover capital management actions such as common and preferred stock dividends, share repurchases, subordinated debt transactions and refinancing activity. The company’s operating disclosures reflect banking services for consumer, commercial and municipal customers in Western and Central New York, with commercial lending activity also extending into the Mid-Atlantic region.
Financial Institutions (NASDAQ: FISI) reported net income available to common shareholders of $19.6 million in Q4 2025 ($0.96 diluted) and $73.4 million for full-year 2025 ($3.61 diluted). Full-year net interest income reached a record $200.0 million and net interest margin expanded to 3.53%. Total loans were $4.66 billion and total deposits were $5.21 billion at year-end. The company completed an $80.0 million subordinated note private placement and repurchased 336,869 common shares in Q4.
Financial Institutions (NASDAQ: FISI) will release fourth quarter and full year 2025 results after the market closes on January 29, 2026.
Management will host an earnings conference call and audio webcast on January 30, 2026 at 8:30 a.m. Eastern Time, hosted by Martin K. Birmingham, President and Chief Executive Officer, and W. Jack Plants II, Chief Financial Officer and Treasurer.
U.S. participants may dial 1-833-470-1428 and use access code 441553. A live listen-only webcast and a replay will be available at www.FISI-Investors.com for at least 30 days.
Financial Institutions, Inc. (Nasdaq: FISI) completed a private placement of $80.0 million in fixed-to-floating subordinated notes due December 15, 2035. The Notes pay 6.50% semi-annually until December 15, 2030, then reset quarterly to 3-month SOFR + 312 bps. The company plans to use net proceeds to redeem $65.0 million of outstanding higher-cost debt (carrying ~8.11%–8.17%) and for general corporate purposes. Kroll assigned a BBB- rating and Stable outlook. Management expects the company’s Total Risk-Based Capital ratio to be temporarily elevated by approximately 150 basis points at year-end due to the new issuance.
Financial Institutions (Nasdaq: FISI) announced that its Board approved a quarterly cash dividend of $0.31 per outstanding common share, approved on November 14, 2025.
The company also declared dividends of $0.75 per share on Series A 3% preferred stock and $2.12 per share on Series B-1 8.48% preferred stock. All dividends are payable January 2, 2026 to shareholders of record on December 15, 2025.
Financial Institutions (NASDAQ: FISI) reported third quarter 2025 results with net income available to common shareholders of $20.1 million, or $0.99 per diluted share. Net interest margin expanded to 3.65% (up 16 bps linked, 76 bps YoY) and net interest income hit a record $51.8 million. Noninterest income was $12.1 million, up 13.6% sequentially. Total loans rose to $4.59 billion (+1.2% linked, +4.3% YoY) and total deposits were $5.36 billion (+3.9% linked). Return on average assets and equity were 1.32% and 13.31%, respectively. The Board authorized a share repurchase program for up to 1,006,379 shares (~5% of outstanding).
Financial Institutions (NASDAQ:FISI), parent company of Five Star Bank and Courier Capital, has scheduled its Q3 2025 earnings release for October 23, 2025, after market close.
The company will host an earnings conference call and audio webcast on October 24, 2025, at 8:30 a.m. ET. The presentation will be led by CEO Martin K. Birmingham and CFO W. Jack Plants II. Participants can join via phone using access code 807362 or watch the webcast on the company's investor relations website.
Financial Institutions Inc (NASDAQ:FISI), parent company of Five Star Bank and Courier Capital, has announced a new share repurchase program authorizing the buyback of up to 1,006,379 shares, representing approximately 5% of outstanding common shares.
The program, effective September 18, 2025, replaces the previous authorization from June 2022. The repurchase can be executed through open market or private transactions, with no expiration date. Management will have discretion over timing and pricing, subject to market conditions and regulatory requirements.
CEO Martin K. Birmingham highlighted that this larger buyback program reflects the Board's confidence following a successful Q4 2024 public equity offering and strong subsequent quarterly earnings.
Financial Institutions (Nasdaq: FISI), the parent company of Five Star Bank and Courier Capital, has declared its quarterly dividend payments. The company announced a quarterly cash dividend of $0.31 per common share. Additionally, FISI declared dividends of $0.75 per share on Series A 3% preferred stock and $2.12 per share on Series B-1 8.48% preferred stock. All dividends will be paid on October 2, 2025, to shareholders of record as of September 15, 2025.
Financial Institutions, Inc. (NASDAQ: FISI) reported Q2 2025 net income of $17.5 million, up from $16.9 million in Q1 2025 but down from $25.6 million in Q2 2024. Earnings per diluted share were $0.85, compared to $0.81 in Q1 2025 and $1.62 in Q2 2024.
Key highlights include a net interest margin of 3.49%, up 14 basis points from Q1, and net interest income of $49.1 million, representing a 4.8% increase quarter-over-quarter. Total loans stood at $4.54 billion, while deposits were $5.16 billion, down 4.0% from Q1 2025 due to seasonal public deposit outflows and Banking-as-a-Service wind-down.
The company maintained strong capital ratios with a Common Equity Tier 1 ratio of 10.84% and declared a quarterly dividend of $0.31 per common share.
Financial Institutions Inc (NASDAQ: FISI), parent company of Five Star Bank and Courier Capital, has scheduled its second quarter 2025 earnings release and conference call. The company will announce Q2 2025 results after market close on July 24, 2025.
The earnings conference call and audio webcast will be held on July 25, 2025 at 8:30 a.m. ET, led by President and CEO Martin K. Birmingham and CFO/Treasurer W. Jack Plants II. U.S. participants can join via phone at 1-833-470-1428 using access code 652423. A live webcast will be available on the company's investor relations website, with a replay accessible for at least 30 days.