{"id":1015487,"date":"2026-10-29T19:36:38","date_gmt":"2026-10-29T23:36:38","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/financial-institutions-inc-reports-net-income-available-to-common-shareholders-of-19-6-million-or-0-99-per-diluted-share-for-the-third-quarter-of-2026\/"},"modified":"2026-10-29T19:36:38","modified_gmt":"2026-10-29T23:36:38","slug":"financial-institutions-inc-reports-net-income-available-to-common-shareholders-of-19-6-million-or-0-99-per-diluted-share-for-the-third-quarter-of-2026","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/financial-institutions-inc-reports-net-income-available-to-common-shareholders-of-19-6-million-or-0-99-per-diluted-share-for-the-third-quarter-of-2026\/","title":{"rendered":"Financial Institutions, Inc. Reports Net Income Available to Common Shareholders of $19.6 million, or $0.99 per Diluted Share, for the Third Quarter of 2026"},"content":{"rendered":"

\nQuarterly results highlighted by loan growth of 2.2% and deposit growth of 3.3%
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WARSAW, N.Y., Oct. 29, 2026 (GLOBE NEWSWIRE) — Financial Institutions, Inc. (NASDAQ: FISI) (the “Company,” “we” or “us”) today reported financial and operational results for the third quarter ended September\u00a030, 2026, reflecting strong performance by subsidiaries Five Star Bank (the “Bank”) and Courier Capital, LLC (“Courier Capital”), including healthy loan and deposit growth and sustained profitability.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\n KEY FINANCIAL METRICS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Quarter-over-Quarter<\/strong>
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\n (“QoQ”)<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Year-over-Year<\/strong>
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\n (“YoY”)<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\n Dollars in thousands, except per share data<\/em>
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\n Return metrics annualized<\/em>\n <\/td>\n		\n Q3 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Q2 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Q3 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Variance<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Variance<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n19,990<\/td>\n\u00a0<\/td>\n$<\/td>\n21,184<\/td>\n\u00a0<\/td>\n$<\/td>\n20,477<\/td>\n\u00a0<\/td>\n$<\/td>\n(1,194<\/td>\n)<\/td>\n\u00a0<\/td>\n-5.6<\/td>\n%<\/td>\n$<\/td>\n(487<\/td>\n)<\/td>\n\u00a0<\/td>\n-2.4<\/td>\n%<\/td>\n<\/tr>\n
Net income available to common shareholders<\/td>\n\u00a0<\/td>\n19,626<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,819<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,112<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,193<\/td>\n)<\/td>\n\u00a0<\/td>\n-5.7<\/td>\n%<\/td>\n\u00a0<\/td>\n(486<\/td>\n)<\/td>\n\u00a0<\/td>\n-2.4<\/td>\n%<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n0.99<\/td>\n\u00a0<\/td>\n$<\/td>\n1.04<\/td>\n\u00a0<\/td>\n$<\/td>\n0.99<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.05<\/td>\n)<\/td>\n\u00a0<\/td>\n-4.8<\/td>\n%<\/td>\n$<\/td>\n–<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.0<\/td>\n%<\/td>\n<\/tr>\n
Return on average assets<\/td>\n\u00a0<\/td>\n1.26<\/td>\n%<\/td>\n\u00a0<\/td>\n1.35<\/td>\n%<\/td>\n\u00a0<\/td>\n1.32<\/td>\n%<\/td>\n\u00a0<\/td>\n(9<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average equity<\/td>\n\u00a0<\/td>\n12.32<\/td>\n%<\/td>\n\u00a0<\/td>\n13.31<\/td>\n%<\/td>\n\u00a0<\/td>\n13.31<\/td>\n%<\/td>\n\u00a0<\/td>\n(99<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(99<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common equity (1)<\/sup><\/td>\n\u00a0<\/td>\n13.75<\/td>\n%<\/td>\n\u00a0<\/td>\n14.88<\/td>\n%<\/td>\n\u00a0<\/td>\n14.98<\/td>\n%<\/td>\n\u00a0<\/td>\n(113<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(123<\/td>\n)<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n56.84<\/td>\n%<\/td>\n\u00a0<\/td>\n55.33<\/td>\n%<\/td>\n\u00a0<\/td>\n56.78<\/td>\n%<\/td>\n\u00a0<\/td>\n151<\/td>\n\u00a0<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\nbps<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans (end of period)<\/td>\n$<\/td>\n4,855,827<\/td>\n\u00a0<\/td>\n$<\/td>\n4,752,965<\/td>\n\u00a0<\/td>\n$<\/td>\n4,590,423<\/td>\n\u00a0<\/td>\n$<\/td>\n102,862<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.2<\/td>\n%<\/td>\n$<\/td>\n265,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.8<\/td>\n%<\/td>\n<\/tr>\n
Total deposits (end of period)<\/td>\n$<\/td>\n5,474,936<\/td>\n\u00a0<\/td>\n$<\/td>\n5,299,465<\/td>\n\u00a0<\/td>\n$<\/td>\n5,357,809<\/td>\n\u00a0<\/td>\n$<\/td>\n175,471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.3<\/td>\n%<\/td>\n$<\/td>\n117,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.2<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

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Third Quarter 2026 Highlights and Key Developments<\/strong>\n <\/p>\n