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FINANCIAL INSTITUTIONS INC (FISI) director Mark Zupan purchased common stock in an open-market transaction. On September 2, 2026, he bought 608 shares at $40.7721 per share, bringing his directly held position to 15,909 shares. No Rule 10b5-1 trading plan is reported for this transaction.
FINANCIAL INSTITUTIONS INC (FISI) announced that its Board of Directors approved regular cash dividends on its common and preferred stock. The company declared a $0.32 per common share quarterly cash dividend, a $0.75 per share dividend on its Series A 3% preferred stock, and a $2.12 per share dividend on its Series B-1 8.48% preferred stock.
All dividends are payable on October 2, 2026 to shareholders of record as of September 15, 2026. Financial Institutions, Inc., the parent of Five Star Bank and Courier Capital, LLC, is a financial holding company with $6.3 billion in assets as of June 30, 2026, offering banking and wealth management services primarily in Western and Central New York and the Mid-Atlantic region.
Financial Institutions, Inc. reported improved results for the quarter ended June 30, 2026. Net interest income rose to $53.361 million from $49.122 million a year earlier as total interest expense decreased. Quarterly net income increased to $21.184 million from $17.532 million, and diluted EPS improved to $1.04 from $0.85. For the first six months, net income was $42.169 million versus $34.410 million, with diluted EPS of $2.08 compared with $1.66. The provision for credit losses was $3.108 million for the quarter and $5.347 million year-to-date.
Total assets were $6.335 billion at June 30, 2026, up from $6.274 billion at December 31, 2025, driven mainly by loan growth to $4.705 billion net of allowance for credit losses. Deposits increased to $5.299 billion, and total shareholders’ equity rose to $643.441 million, while accumulated other comprehensive loss widened to $43.349 million due to unrealized losses on available-for-sale securities. The company paid common dividends of $0.32 per share for the quarter.
Financial Institutions, Inc. reported net income available to common shareholders of $20.8 million, or $1.04 per diluted share, for the quarter ended June 30, 2026, up from $0.85 a year earlier; total net income was $21,184 thousand.
Net interest income was $53,361 thousand and net interest margin was 3.70%. Total loans reached $4.75 billion, up 2.7% from March 31, 2026, while deposits were $5.30 billion, slightly lower quarter-over-quarter but higher year-over-year. Noninterest income was $11.0 million, supported by investment advisory fees as assets under management exceeded $4.0 billion. Asset quality metrics included net charge-offs of 0.11% of average loans and non-performing loans of $39.0 million, or 0.82% of total loans. Regulatory capital ratios continued to exceed well-capitalized requirements, with a tangible common equity ratio of 9.02% and a common equity Tier 1 ratio of 11.44%, and the company paid a quarterly common dividend of $0.32 per share.
HOLLIDAY SUSAN R reported acquisition or exercise transactions in this Form 4 filing.
FINANCIAL INSTITUTIONS INC director Susan R. Holliday reported an equity award and updated holdings of the company’s common stock. She received a grant of 1,282 shares at a stated price of $0.00 per share, increasing her direct ownership to 41,678 shares. A separate entry records 1,000 shares held indirectly in an IRA, reflecting an existing position rather than a new market trade.
FINANCIAL INSTITUTIONS INC director Andrew W. Dorn Jr. received a grant of 1,282 shares of Common Stock on May 20, 2026. The award was recorded at a price of $0.0000 per share, indicating a compensation-related grant rather than a market purchase. Following this acquisition, he directly holds 39,066 shares of the company’s common stock.
VanGelder Kim E reported acquisition or exercise transactions in this Form 4 filing.
FINANCIAL INSTITUTIONS INC director Kim E. VanGelder received a grant of 1,282 shares of common stock on May 20, 2026. The award was recorded at a price of $0.00 per share, indicating it was a compensation-related stock grant rather than a market purchase.
Following this grant, VanGelder directly holds a total of 30,356 shares of the company’s common stock. This filing reflects routine equity compensation for a board member, increasing her ownership stake in the company.
HARTING BRUCE W reported acquisition or exercise transactions in this Form 4 filing.
FINANCIAL INSTITUTIONS INC director Bruce W. Harting received a grant of 1,282 shares of Common Stock on May 20, 2026 at no stated purchase price. Following this award, he directly holds 7,421 shares of the company’s common stock.
FINANCIAL INSTITUTIONS INC director Mark Zupan received a grant of 1,282 shares of common stock. The shares were awarded at no cash cost, classified as a grant or award acquisition. Following this transaction, he directly holds a total of 15,301 common shares.
Burlew Dawn H reported acquisition or exercise transactions in this Form 4 filing.
FINANCIAL INSTITUTIONS INC director Dawn H. Burlew reported stock awards on Common Stock. On May 20, 2026, she received two non-derivative grants: 313 shares at a reference price of $35.10 per share and an additional 1,282 shares recorded at $0.00 per share, indicating compensation-related awards rather than open-market purchases. These transactions increase her direct ownership and represent routine equity compensation, not discretionary buying or selling in the market.