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Financial Institutions FISI Q2 2026 earnings

Reported July 23, 2026 · After market close

Revenue$64.3MBeat by $774.0K
EPS$1.04Beat by $0.11
Revenue estimate$63.5M
EPS estimate$0.93
“Our disciplined approach to managing funding costs supported further net interest margin expansion to 3.70% for the second quarter. Given current rate dynamics, we are beginning to see deposit costs level off and remain focused on preserving margin stability amid a competitive environment. Heading into the third quarter, we remain focused on deposit retention and acquisition, credit disciplined loan growth and effective expense management. Capital strength remains a key pillar of our financial performance, with a tangible common equity ratio(1) of 9.02%, a common equity Tier 1 ratio of 11.44%, and a return on average tangible common equity(1) of 14.88%.”
Treasurer W. Jack Plants II

Earnings data and commentary were extracted with AI from company filings and may contain errors. Verify important details in the filing.

Next report

Oct 22, 2026 (in a month)
Revenue estimate$66.6M
EPS estimate$1.05

Financials

Q2 2026

Income statement

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Revenue$64.3M+7.7%
Net income$21.2M+20.8%
EPS (diluted)$1.04+22.4%

Balance sheet

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Cash & equivalents$99.2M+6.6%
Total debt$260.7M+5.1%
Total equity$643.4M+6.9%
Total assets$6.3B+3.1%

Valuation & ratios

Valuation

as of 09/16/26
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Market cap$804.02M+51.9%
Enterprise value$965.54M+41.1%
P/E9.7×—
P/S3.2×—

Profitability

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Net margin32.4%—

Returns & leverage

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Return on equity13.3%+10.0pp
Debt / equity0.4×0.0×

FAQ

When did Financial Institutions report Q2 2026 earnings?
Financial Institutions (FISI) reported Q2 2026 earnings on July 23, 2026 after market close.
What were Financial Institutions's Q2 2026 revenue and EPS?
Financial Institutions reported revenue of $64.3M and eps of $1.04 for Q2 2026.
Did Financial Institutions beat estimates in Q2 2026?
Revenue beat the consensus estimate of $63.5M by $774.0K. EPS beat the consensus estimate of $0.93 by $0.11.
How did Financial Institutions's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.2% from $59.4M a year earlier and eps grew 22.4% from $0.85.
Where can I find Financial Institutions's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-314084) and the 10-Q periodic report (0001193125-26-330542) directly on SEC EDGAR. The filing index links above go to sec.gov.