FISI PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d

FISI ▲ +4.92% at T+20d

LONG call ✓ call won +4.92% · α vs SPY +0.90% · entry $33.71 → $35.37

Next anchor: T+60d in 6w

Currently $37.54 · +11.36% from $33.71 entry

Entry anchored
Apr 23, 03:59 PM ET
via Databento tick

T+1d

+2.52%

call +2.52% · α +2.36%

$34.56

settled 7w ago

T+5d

+1.07%

call +1.07% · α +0.16%

$34.07

settled 6w ago

T+20d

+4.92%

call +4.92% · α +0.90%

$35.37

settled 20d ago

T+60d

—

call — · α —

—

in 6w

Price Chart

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Executive Summary

Financial Institutions, Inc. (FISI) reported Q1 2026 earnings with EPS of $1.04, beating the $0.92 consensus by 13%, driven by strong net interest margin expansion and disciplined expense management. Revenue was not explicitly disclosed in the release, but net interest income grew 9.5% YoY to $52.0M, and the company raised its dividend and continued share repurchases.

Actionable Insight

The strong EPS beat, margin expansion, and capital return actions suggest underlying profitability strength; traders should monitor loan growth trajectory and credit quality trends in upcoming quarters to assess sustainability of the margin and earnings momentum.

Key Facts

EPS of $1.04 in Q1 2026 vs. consensus estimate of $0.92, a 13% beat
Net interest margin expanded 32 bps YoY to 3.67%, up from 3.35% in Q1 2025
Net interest income grew 9.5% YoY to $52.0 million
Efficiency ratio improved to 57%, down from 58.8% in Q1 2025
Company increased quarterly dividend by 3.2% to $0.32 per share and repurchased 163,197 shares at $31.50 average price
Return on average tangible common equity rose to 15.04%, up 168 bps YoY

Financial Impact

EPS beat of $0.12 above consensus, net interest income up $5.1M YoY, share count reduced by 0.8%

epsnetInterestIncomedividendshareCountreturnOnTangibleEquity

Risk Factors

Net charge-offs increased to 0.44% of loans (annualized), up from 0.21% in prior year quarter
Loans declined 0.7% QoQ to $4.63B despite 1.6% YoY growth, indicating near-term lending headwinds
Non-performing loans rose to 0.83% of total loans, up from 0.77% in prior quarter

Market Snapshot

Exchange

OTC

Sector

National Commercial Banks

Analyst Consensus

75% bullish (8 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3280379

3 reports for FISI

T+1T+5T+20T+60

Filters

Reports for FISI — sortable, filterable
	Type				Now
May 20, 2026 20d ago	Press Release NEUTRAL ★ 2/10	$35.37 $35.81	▲ +1.24%	▼ −0.35%	$37.54 (+6.14%)
Apr 23, 2026 6w ago	Press Release BULLISH ★ 8/10	$33.71 $34.07	▲ +1.07%	▲ +0.16%	$37.54 (+11.36%)
Mar 30, 2026 10w ago	Press Release NEUTRAL ★ 3/10	$31.71 $33.88	▲ +6.84%	▲ +2.90%	$37.54 (+18.39%)

US Market Status

Market Closed — Opens Thu (11h 12m)

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