Financial Institutions (FISI)
Provides community banking and wealth-management services through Five Star Bank and Courier Capital.
$39.66
After hours+0.03 (+0.08%)
At close$39.63(−1.71%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 85 | 91 | 89 | 102 | 87 | −14 | 91 | 93 | 96 | 97 | 92 | 31 |
| Cost of revenue | 34 | 42 | 52 | 40 | 41 | 43 | 37 | 37 | 36 | 36 | 30 | 32 |
| Gross profit | 51 | 49 | 37 | 62 | 46 | −57 | 54 | 57 | 61 | 61 | 63 | −1 |
| 34 | 34 | 34 | 32 | 32 | 58 | 34 | 35 | 36 | 37 | 38 | 24 | |
| 20 | 21 | 19 | 18 | 17 | 21 | 19 | 20 | 20 | 23 | 36 | 24 | |
| Selling & marketing | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| General & administrative | 19 | 21 | 19 | 17 | 17 | 21 | 18 | 19 | 20 | 23 | 35 | 22 |
| Other expenses | 14 | 13 | 16 | 14 | 14 | 37 | 15 | 15 | 15 | 13 | 2 | 0 |
| Operating income | 16 | 15 | 2 | 30 | 15 | −115 | 21 | 21 | 25 | 24 | 25 | −25 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50 | |
| Interest income | 75 | 77 | 78 | 79 | 78 | 78 | 81 | 83 | 84 | 85 | 82 | 83 |
| Interest expense | 33 | 37 | 38 | 38 | 37 | 36 | 34 | 34 | 33 | 32 | 30 | 30 |
| Income before tax | 16 | 15 | 2 | 30 | 15 | −115 | 21 | 21 | 25 | 24 | 25 | 26 |
| Income tax expense | 2 | 5 | 0 | 5 | 1 | −32 | 4 | 4 | 5 | 4 | 4 | 4 |
| Net income from continuing operations | 14 | 10 | 2 | 26 | 13 | −83 | 17 | 18 | 20 | 20 | 21 | 21 |
| Net income | 14 | 10 | 2 | 26 | 13 | −83 | 17 | 18 | 20 | 20 | 21 | 21 |
| EPS, basic | $0.89 | $0.61 | $0.11 | $1.64 | $0.85 | −$5.07 | $0.82 | $0.85 | $1.00 | $0.98 | $1.05 | $1.06 |
| EPS, diluted | $0.88 | $0.61 | $0.11 | $1.62 | $0.84 | −$5.07 | $0.81 | $0.85 | $0.99 | $0.96 | $1.04 | $1.05 |
| Weighted average shares, basic | 15 | 15 | 15 | 15 | 15 | 16 | 20 | 20 | 20 | 20 | 20 | 20 |
| Weighted average shares, diluted | 15 | 16 | 16 | 16 | 16 | 16 | 20 | 20 | 20 | 20 | 20 | 20 |
| EBITDA | 18 | 17 | 4 | 32 | 16 | −113 | 23 | 23 | 27 | 26 | 25 | −27 |
| Depreciation & amortization | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 0 | −2 |
| EBIT | 16 | 15 | 2 | 30 | 15 | −115 | 21 | 21 | 25 | 24 | 25 | −25 |
