Financial Institutions Inc. Reports Q4 Net Income of $20M, Beats Revenue Forecasts

Financial Institutions Inc. (FISI) reported Q4 net income of $20 million, or 96 cents per share, on January 29, 2026. The Warsaw, N.Y.-based bank’s revenue totaled $96.6 million, with net interest income of $64.1 million, exceeding analyst expectations. For full-year 2025, FISI posted net profit of $74.9 million, or $3.61 per share, on total revenue of $244.9 million. The results reflect continued strength in core banking operations under its Five Star Bank subsidiary. Data sourced from Zacks Investment Research via Automated Insights.