FINANCIAL INSTITUTIONS INC
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
Disclosures
Transcripts
History
Spoken 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
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.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
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
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.
FINANCIAL INSTITUTIONS INC (FIISO) operates in the Other sector.
| 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 —.
Consistent 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.
| 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% |
CFO since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
| 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% |