FIISO
FINANCIAL INSTITUTIONS INC
Overview
Financial Institutions Inc operates Five Star Bank, which provides deposit and lending services to consumer, commercial and municipal customers across Western and Central New York and the Mid-Atlantic region, and Courier Capital LLC, which offers investment management and wealth management services.
FINANCIAL INSTITUTIONS INC is a Other company.
Most recent reported earnings: Q1 FY2026 (Apr 26, 2026).
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
History
Earnings history
- Q1 FY20262026-04-26EPS— vs ——Rev$92.2M vs ——EODHD
- Q2 FY20212021-09-29EPS$1.05 vs $0.00—Rev$50.9M vs ——EODHD
- Q1 FY20212021-06-29EPS$1.25 vs $0.00—Rev$53.4M vs ——EODHD
- Q4 FY20202021-03-30EPS$1.27 vs $0.00—Rev$50.9M vs ——EODHD
- Q3 FY20202020-12-30EPS$0.84 vs $0.00—Rev$52.0M vs ——EODHD
- Q2 FY20202020-09-29EPS$0.74 vs $0.00—Rev$49.7M vs ——EODHD
- Q1 FY20202020-06-29EPS$0.67 vs $0.00—Rev$51.4M vs ——EODHD
- Q4 FY20192020-03-30EPS$0.05 vs $0.00—Rev$52.0M vs ——EODHD
- Q3 FY20192019-12-30EPS$0.80 vs $0.00—Rev$54.7M vs ——EODHD
- Q2 FY20192019-09-29EPS$0.78 vs $0.00—Rev$51.7M vs ——EODHD
- Q1 FY20192019-06-29EPS$0.69 vs $0.00—Rev$50.4M vs ——EODHD
- Q4 FY20182019-03-30EPS$0.70 vs $0.00—Rev$50.3M vs ——EODHD
- Q3 FY20182018-12-30EPS$0.45 vs $0.00—Rev$48.6M vs ——EODHD
- Q2 FY20182018-09-29EPS$0.64 vs $0.00—Rev$45.3M vs ——EODHD
- Q1 FY20182018-06-29EPS$0.74 vs $0.00—Rev$43.8M vs ——EODHD
- Q4 FY20172018-03-30EPS$0.56 vs $0.00—Rev$43.7M vs ——EODHD
- Q3 FY20172017-12-30EPS$0.68 vs $0.00—Rev$42.0M vs ——EODHD
- Q2 FY20172017-09-29EPS$0.52 vs $0.00—Rev$40.6M vs ——EODHD
- Q1 FY20172017-06-29EPS$0.40 vs $0.00—Rev$38.4M vs ——EODHD
- Q4 FY20162017-03-30EPS$0.52 vs $0.00—Rev$39.0M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q1 FY2026 | 2026-04-26 | — | — | — | $92.2M | — | — | EODHD |
| Q2 FY2021 | 2021-09-29 | $1.05 | $0.00 | — | $50.9M | — | — | EODHD |
| Q1 FY2021 | 2021-06-29 | $1.25 | $0.00 | — | $53.4M | — | — | EODHD |
| Q4 FY2020 | 2021-03-30 | $1.27 | $0.00 | — | $50.9M | — | — | EODHD |
| Q3 FY2020 | 2020-12-30 | $0.84 | $0.00 | — | $52.0M | — | — | EODHD |
| Q2 FY2020 | 2020-09-29 | $0.74 | $0.00 | — | $49.7M | — | — | EODHD |
| Q1 FY2020 | 2020-06-29 | $0.67 | $0.00 | — | $51.4M | — | — | EODHD |
| Q4 FY2019 | 2020-03-30 | $0.05 | $0.00 | — | $52.0M | — | — | EODHD |
| Q3 FY2019 | 2019-12-30 | $0.80 | $0.00 | — | $54.7M | — | — | EODHD |
| Q2 FY2019 | 2019-09-29 | $0.78 | $0.00 | — | $51.7M | — | — | EODHD |
| Q1 FY2019 | 2019-06-29 | $0.69 | $0.00 | — | $50.4M | — | — | EODHD |
| Q4 FY2018 | 2019-03-30 | $0.70 | $0.00 | — | $50.3M | — | — | EODHD |
| Q3 FY2018 | 2018-12-30 | $0.45 | $0.00 | — | $48.6M | — | — | EODHD |
| Q2 FY2018 | 2018-09-29 | $0.64 | $0.00 | — | $45.3M | — | — | EODHD |
| Q1 FY2018 | 2018-06-29 | $0.74 | $0.00 | — | $43.8M | — | — | EODHD |
| Q4 FY2017 | 2018-03-30 | $0.56 | $0.00 | — | $43.7M | — | — | EODHD |
| Q3 FY2017 | 2017-12-30 | $0.68 | $0.00 | — | $42.0M | — | — | EODHD |
| Q2 FY2017 | 2017-09-29 | $0.52 | $0.00 | — | $40.6M | — | — | EODHD |
| Q1 FY2017 | 2017-06-29 | $0.40 | $0.00 | — | $38.4M | — | — | EODHD |
| Q4 FY2016 | 2017-03-30 | $0.52 | $0.00 | — | $39.0M | — | — | EODHD |
Source: EODHD. FIISO reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks FIISO's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 90% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $4.99 | $3.81 | +31.1% | +6.9% | +6.1% |
| Q4 FY2026 | $4.97 | $4.08 | +21.9% | +0.1% | +1.3% |
| Q3 FY2026 | $5.06 | $4.03 | +25.6% | +1.5% | +2.3% |
| Q2 FY2026 | $5.33 | $3.98 | +34.0% | +6.5% | +6.9% |
| Q1 FY2025 | $5.48 | $4.08 | +34.3% | +8.9% | +7.9% |
| Q4 FY2025 | $4.99 | $4.15 | +20.2% | +6.6% | +8.9% |
| Q3 FY2025 | $5.28 | $4.14 | +27.5% | 0.0% | -3.0% |
| Q2 FY2025 | $4.88 | $4.07 | +19.8% | +3.3% | +4.9% |
| Q1 FY2024 | $5.29 | $4.22 | +25.4% | +0.9% | -1.0% |
| Q4 FY2024 | $4.94 | $4.01 | +23.3% | +3.2% | +4.7% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Martin Kearney BirminghamCEO6 mono recorded callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- William Jack Plants IICFO6 mo1 callCurrentSample
CFO since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- Gary A PacosChief Risk Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance raise Q3 FY2026
- Samuel J Burruano JrChief Legal Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Blake G JonesChief Marketing Officer6 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last guidance cut Q3 FY2026
- Laurie R CollinsChief Human Resources Officer6 mono recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • guidance suspended Q1 FY2026
Peers
Other companies in Other
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for FIISO.
$ curl https://api.spokenalpha.com/v1/companies/FIISOFAQ
Frequently asked about FIISO
Where can I find FINANCIAL INSTITUTIONS INC's (FIISO) earnings call transcripts?
Spoken Alpha indexes FIISO's earnings call transcripts at https://spokenalpha.com/companies/FIISO. Each call links to attributed speakers and parsed analyst Q&A.
What sector is FIISO in?
FINANCIAL INSTITUTIONS INC (FIISO) operates in the Other sector.