Financial Institutions reports Q3 2026 net income of $19.6 million, or $0.99 per share
Financial Institutions, Inc. reported net income available to common shareholders of $19.6 million, or $0.99 per diluted share, for the quarter ended September 30, 2026. That was down from $20.8 million, or $1.04 per share, in the second quarter and down 2.4% from $20.1 million in the third quarter of 2025, while net interest income rose to a new quarterly high of $54.3 million.
Key points
- Net income available to common shareholders was $19.6 million, or $0.99 per diluted share, versus $20.8 million ($1.04) in Q2 2026 and $20.1 million ($0.99) in Q3 2025.
- Net interest income was $54.3 million, up 4.8% from Q3 2025 and a new quarterly high.
- Total noninterest income was $10.5 million, down 13.3% from Q3 2025, mainly due to lower swap fees and limited partnership losses.
- Total loans reached $4.86 billion at September 30, 2026, up 5.8% year over year; the company repurchased 185,833 shares at an average price of $40.92.
The filing
Written by AI on Nov 9, 2026, 8:29 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 29, 2026.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.