TL;DR: Financial Institutions, Inc. (FISI) Q3 2025 10-Q Summary
Strong Financial Results & Strategic Realignment
Financial Institutions, Inc. reported robust profitability for Q3 2025. Net Income surged to $20.5 million (\(0.99 diluted EPS), up substantially year-over-year for both the quarter and the nine-month period (\)54.9M YTD). This performance was significantly bolstered by a Net Interest Margin (NIM) expansion to 3.65%, attributed to higher yields following a December 2024 investment portfolio restructuring which included realizing a $100.2 million pre-tax loss on sold
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