Financial Institutions Inc (FISI) Earning Prediction
Financial Institutions Inc (FISI) is set to release its earnings performance on 01/29 05:00:00 in After Hours trading. Consensus forecasts predict a revenue of 63.00M and an earnings per share (EPS) of 0.94 for the . With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
Earnings Surprise Analysis
FISI Transcript
The earnings call revealed strong financial performance with net income and ROE exceeding guidance, supported by robust net interest and noninterest income. Despite some caution on indirect auto loans, commercial loan growth remains strong. The Q&A highlighted confidence in managing margins and potential for further share buybacks. While there were some unclear responses, the overall outlook is positive, with guidance revisions and shareholder return plans likely boosting stock sentiment.
The earnings call presents a mixed picture. Strong financial metrics like net income growth and improved net interest margin are offset by concerns over nonperforming loans, economic uncertainties, and increased medical costs. The Q&A reveals cautious optimism about loan growth but lacks clarity on share buybacks. The company's affirmation of 2025 guidance and share repurchase plans provides some positive sentiment, but risks related to the economic environment and compliance costs temper expectations, leading to a neutral stock price prediction.
The earnings call presents a mixed picture: strong net income growth and margin expansion are offset by deposit outflows, competitive lending pressures, and rising noninterest expenses. The Q&A reveals management's confidence in Upstate New York's loan growth, but challenges remain in the Mid-Atlantic and consumer lending segments. While financial performance is solid, flat deposit growth and increased expenses raise concerns. Given these factors, the stock price is likely to remain stable, resulting in a neutral prediction.
The earnings call presents a mixed outlook. Financial performance is strong with increased net income and improved margins. However, guidance remains cautious due to macroeconomic uncertainties, interest rate volatility, and competitive pressures. The Q&A highlights management's uncertainty about loan growth, despite improvements in non-interest income and a stable credit discipline. The positive aspects are counterbalanced by potential risks, leading to a neutral sentiment. The equity offering and share repurchase program provide some support, but not enough to drive a positive outlook.
FISI Slides
FISI Report
Frequently Asked Questions
What is the Financial Institutions Inc Earnings Release Date and Time?
Financial Institutions Inc (FISI) is scheduled to release its earnings report onJan 29, 2026, After Hours(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for Financial Institutions Inc Revenue and EPS?
Analysts' consensus predicts 63.00M in revenue and an EPS of 1.00 for Financial Institutions Inc's .
What Does Intellectia's AI Predict for Financial Institutions Inc Earnings?
Intellectia's exclusive AI algorithms forecast a forFinancial Institutions Inc's earnings, with a prediction date of Jan 29, 2026. Financial Institutions Inc
How Can I Use This Earnings Prediction to Trade FISI Stock?
Leverage Intellectia's AI forecast to position trades ahead of theJan 29, 2026 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like Financial Institutions Inc ?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
