Financial Institutions Q1 2026 EPS $1.04, +28% YoY; NIM expands to 3.67%

FINANCIAL INSTITUTIONS INC

2026-Q1 EPS reported $1.04

Net income $21.0M ($1.04 diluted EPS) vs. $16.9M ($0.81) in Q1 2025; EPS up 28.4% YoY.
Net interest margin 3.67%, up 5 bp linked and 32 bp YoY; net interest income $52.0M.
Total loans $4.63B (+1.6% YoY); management reaffirms 5% full year 2026 growth target.
Board approved 3.2% dividend increase to $0.32 per share; repurchased 163,197 shares at avg $31.50.
ROAA 1.37%, ROATE 15.04%; efficiency ratio 57%; all regulatory capital ratios exceed well-capitalized thresholds.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

FINANCIAL INSTITUTIONS INC reported the first quarter ended March 31, 2026 results: net income $21.0 million, EPS $1.04 per diluted share. Guidance reaffirmed.

Period: the first quarter ended March 31, 2026
Net income: $21.0 million
EPS: $1.04 per diluted share
Guidance: reaffirmed
Result: reported results

Exact text from the filing

The Company reported net income of $21.0 million in the first quarter of 2026, compared to net income of $20.0 million in the fourth quarter of 2025 and $16.9 million in the first quarter of 2025. After preferred stock dividends, net income available to common shareholders was $20.6 million, or $1.04 per diluted share, in the first quarter of 2026, compared to net income of $19.6 million, or $0.96 per diluted share, in the fourth quarter of 2025, and $16.5 million, or $0.81 per diluted share, in the first quarter of 2025.

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Source: SEC EDGAR

accession 0001193125-26-173676

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