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Financial Institutions (FISI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Financial Institutions (FISI) Q3 2026 earnings results →
Q3 2026 Revenue up 1% year over year to $64.7M · 31¢ of every $1 of revenue kept as net profit · operating margin 37.1%
Financial Institutions made $64.7M in Q3 2026 (+1% Y/Y): Net interest income $54.3M, Noninterest income $10.5M. Operating margin 37.1%, net earnings $20.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $64.7M in Q3 2026, up 1% year over year and up 1% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $2.5M year over year (up 5%), 277% of the total change. Noninterest income declined 13%.
Operating profit was $24.0M, a 37.1% margin (down 2.4 points year over year). Operating profit fell $1.2M even though revenue rose $903K versus a year earlier, so costs grew faster than sales. Total costs grew 5% against revenue growth of 1%. The fastest-growing cost line was Credit loss provision (+42%). Net earnings were $20.0M, down 2% year over year. The effective tax rate was 16.9%.
Operating cash flow was $33.6M, 168% of net earnings. Non-cash charges added back $1.9M of depreciation and amortization and $947K of share-based compensation. Working capital and other items added $10.8M. Capital expenditures of $1.8M left free cash flow of $31.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $64.7M | +1% | 37.1% | $20.0M | $33.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Financial Institutions
The Parent is a financial holding company organized in 1931 under the laws of New York State (“New York” or “NYS”). The principal office of the Parent is located at 220 Liberty Street, Warsaw, New York 14569 and its telephone number is (585) 786-1100. The Parent was incorporated on September 15, 1931, but the continuity of the Company’s banking business is traced to the organization of the National Bank of Geneva on March 28, 1817. Except as the context otherwise requires, the Parent and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Parent’s common stock is traded on the Nasdaq Global Select Market under the ticker symbol “FISI.”
In its own words, from its 10-K, filed Mar 9, 2026.
Financial Institutions against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +1% against the peers' median +6%. Operating margin: 37.1% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FISI Financial Institutions | Q3 2026 | $64.7M | +1% | 37.1% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| UBS UBS Group AG | Q2 2025 | $12.1B | +2% | 18.1% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
Source: Financial Institutions 10-Q on SEC EDGAR · CIK 862831 · National Commercial Banks
Guidance and outlook
13F: who owns FISI and who is buying
More on FISI
History
Every quarter: Q3 2026 results