FINANCIAL INSTITUTIONS INC (FISI) earnings date, results and what the price requires
Nasdaq · SEC CIK 0000862831 · SEC filings checked Oct 16, 2026
Previous results (SEC filings)
| Quarter ended | Reported | Revenue | Net income | Diluted EPS | Source |
|---|---|---|---|---|---|
| Jun 30, 2026 | Jul 23, 2026 | — | $21.2M | $1.04 | Filing |
| Mar 31, 2026 | Apr 23, 2026 | — | $21.0M | $1.04 | Filing |
| Dec 31, 2025 | Jan 29, 2026 | — | $20.0M | $0.96 | Filing |
| Sep 30, 2025 | Oct 23, 2025 | — | $20.5M | $0.99 | Filing |
| Jun 30, 2025 | Jul 24, 2025 | — | $17.5M | $0.85 | Filing |
| Mar 31, 2025 | Apr 28, 2025 | — | $16.9M | $0.81 | Filing |
| Dec 31, 2024 | Jan 30, 2025 | — | $-82.8M | $-5.32 | Filing |
| Sep 30, 2024 | Oct 24, 2024 | — | $13.5M | $0.84 | Filing |
What would FINANCIAL INSTITUTIONS INC have to report for its valuation to change?
At $39.31, with a 9.0% required return and a 18× earnings multiple in 5 years, earnings per share must grow about -3.6% a year, to $3.36. On that path the next quarter needs diluted EPS near $0.95, against $0.99 in the quarter ended Sep 30, 2025.
Compare buying at the last close now with waiting for results: if the report moves the growth the price requires, the entry price you would accept changes with it.
| Result | Original | Yours |
|---|---|---|
| Required EPS growth / year | -3.6% | -3.6% |
| EPS needed in final year | $3.36 | $3.36 |
Changed: nothing yet. Model: EPS × (1+g)^years × final P/E, discounted at the required return, equals today's price. Inputs: SEC diluted EPS and the dated close above.
Prepare for earnings across my investments — $399/month
Keep working models for the companies you follow, compare your expectations with reported results, and review what changes your investment decision. FISI goes in with your buy-or-wait comparison and assumptions preserved.
Figures come from SEC EDGAR XBRL filings. Dates marked "estimated" are calculated from the company's past results filings and are not confirmed. Not investment advice.