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Financial Institutions FISI Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$64.1MBeat by $1.1M
EPS$0.96Beat by $0.01
Revenue estimate$63.0M
EPS estimate$0.95

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$66.1M
EPS estimate$1.01

Financials

Q4 2025

Income statement

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Revenue$64.1M—
Net income$20.0M+124%
EPS (diluted)$0.96+118%

Balance sheet

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Cash & equivalents$274.0K-71.6%
Total debt$443.2M+24.6%
Total equity$628.9M+10.5%
Total assets$6.3B+2.6%

Cash flow

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Operating cash flow$21.4M-20.8%
CapEx$2.1M+426%
Free cash flow$19.3M-27.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$627.47M+18.1%
Enterprise value$1.07B+20.8%
P/E8.4×—
P/S2.6×—

Profitability

See full
Net margin30.6%—

Returns & leverage

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Return on equity12.5%+9.0pp
Debt / equity0.7×+0.1×

Versus estimates

Revenue

Q2 2026$64.3MBeat by $774.0KQ1 2026$62.7MMiss by $97.0K
Q4 2025$64.1MBeat by $1.1M
Q3 2025$63.6MBeat by $595.0KQ2 2025$59.4MMiss by $1.0MQ1 2025$56.6MMiss by $567.3K

Diluted EPS

Q2 2026$1.04Beat by $0.11Q1 2026$1.04Beat by $0.12
Q4 2025$0.96Beat by $0.01
Q3 2025$0.99Beat by $0.05Q2 2025$0.85Miss by $0.03Q1 2025$0.81Beat by $0.07

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Questions, answered.

When did Financial Institutions report Q4 2025 earnings?
Financial Institutions (FISI) reported Q4 2025 earnings on January 29, 2026 after market close.
What were Financial Institutions's Q4 2025 revenue and EPS?
Financial Institutions reported revenue of $64.1M and eps of $0.96 for Q4 2025.
Did Financial Institutions beat estimates in Q4 2025?
Revenue beat the consensus estimate of $63.0M by $1.1M. EPS beat the consensus estimate of $0.95 by $0.01.
How did Financial Institutions's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 566.2% from -$13.8M a year earlier and eps grew 77.8% from $0.54.
Where can I find Financial Institutions's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-029330) and the 10-K periodic report (0001193125-26-098467) directly on SEC EDGAR. The filing index links above go to sec.gov.