Financial Institutions, Inc.
Financial Institutions, Inc. (Nasdaq: FISI) is a financial holding company whose principal business is community banking through Five Star Bank and investment advisory and wealth management services through Courier Capital. Five Star Bank provides deposit, commercial and consumer lending, and other banking services to… From the company’s description.
Over the twelve months to Jun 30, 2026, Financial Institutions, Inc. reported revenue of $254.95M, up 116.6% from a year earlier, and net income of $82.63M. Its pre-tax margin was 39.1%. In fiscal 2025, it reported revenue of $244.94M, up 109.5% from fiscal 2024, and net income of $74.87M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Financial Institutions, Inc. does
In the company’s own words
Financial Institutions, Inc. (Nasdaq: FISI) is a financial holding company whose principal business is community banking through Five Star Bank and investment advisory and wealth management services through Courier Capital. Five Star Bank provides deposit, commercial and consumer lending, and other banking services to individuals, businesses and municipalities, primarily in Western and Central New York, with commercial lending in the Mid-Atlantic region; it operates 48 full-service branches. Its loan offerings include commercial business and real estate loans, residential mortgages, home equity products and consumer loans, including indirect auto financing. Courier Capital provides investment management, consulting and retirement plan services to individuals, businesses, institutions, foundations and retirement plans, and had $3.60 billion in assets under management at December 31, 2025. The company also operates Five Star REIT, which primarily holds residential mortgages and commercial real estate loans. At December 31, 2025, consolidated assets totaled $6.27 billion, and the company had 631 employees. Its website is www.FISI-investors.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Commercial Banks
- Headquarters
- WARSAW, NY
- Fiscal year end
- December
- CIK
- 862831
- SIC
- 6021
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Financial Institutions, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Financial Institutions, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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