Welcome to our dedicated page for Financial Instns SEC filings (Ticker: FIISO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on Financial Instns's stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into Financial Instns's regulatory disclosures and financial reporting.
FINANCIAL INSTITUTIONS INC (FISI) executive Laurie R. Collins, Chief Human Resources Officer, reported her share holdings as of March 5, 2026. The filing shows 1,865 Restricted Stock Units, where each unit represents a contingent right to receive one share of common stock.
She also reported holding 6,227 shares of common stock directly and 726 shares of common stock held indirectly in a 401(k) plan. These figures reflect her direct and indirect ownership positions following the reported date.
FINANCIAL INSTITUTIONS INC executive Blake G Jones, Chief Marketing Officer, reported his current equity holdings without any recorded purchases or sales. The Form 4 shows direct ownership of 1,566 restricted stock units and indirect ownership of 232 shares of common stock held in a 401(k) plan.
Each restricted stock unit represents a contingent right to receive one share of FISI common stock, aligning a portion of his compensation with the company’s share performance over time.
Financial Institutions, Inc. is offering to exchange up to $80,000,000 aggregate principal amount of registered 6.50% fixed-to-floating rate subordinated notes due 2035 for any and all outstanding unregistered notes of the same series.
The exchange is made under a registration rights agreement and is a like-for-like swap: each Old Note can be exchanged for an equal principal amount of New Notes. The company will receive no cash proceeds, and its total indebtedness will not increase. The New Notes are the same debt under the same indenture, but are SEC-registered, generally free of transfer restrictions, carry a new CUSIP, and do not include ongoing registration rights or related additional interest features.
The notes pay a fixed 6.50% rate until December 15, 2030, then float at Three-Month Term SOFR plus 312 basis points until maturity, with detailed benchmark fallback mechanics. The offer expires at 5:00 p.m. Eastern Time on March 20, 2026, and is subject to customary conditions but no minimum tender. Unexchanged Old Notes remain outstanding and may become less liquid, while all notes are unsecured, deeply subordinated bank holding company debt with significant structural and regulatory subordination risks highlighted in extensive risk factors.
Financial Institutions, Inc. declared a higher quarterly cash dividend of $0.32 per common share, up $0.01, or 3.2%, from the prior quarter. The Board links this increase to strong 2025 profitability, a solid balance sheet, and confidence in sustainable long-term earnings growth.
Based on a closing share price of $34.43 on February 11, 2026, the dividend implies a 3.7% yield and a 35% payout ratio of 2025 net income available to common stockholders per diluted share. The Company also declared dividends of $0.75 per share on Series A 3% preferred stock and $2.12 per share on Series B-1 8.48% preferred stock.
All dividends are payable on April 2, 2026 to shareholders of record as of March 13, 2026. Financial Institutions, Inc. is a financial holding company with approximately $6.3 billion in assets as of December 31, 2025, operating Five Star Bank and wealth manager Courier Capital.
Wellington Management Group LLP and related entities filed a Schedule 13G reporting a passive ownership stake in Financial Institutions, Inc. common stock. They report beneficial ownership of 1,049,295 shares, representing 5.21% of the outstanding common stock as of 12/31/2025.
The filing shows shared voting and dispositive power over all reported shares and no sole voting or dispositive power. The securities are owned of record by advisory clients of Wellington investment advisers, and the filing certifies that the position is held in the ordinary course of business, not to change or influence control of the company.
Financial Institutions, Inc. filed an S-4 for an exchange offer covering up to $80,000,000 aggregate principal amount of 6.50% fixed-to-floating rate subordinated notes due 2035. The company will exchange newly registered notes for any and all outstanding unregistered notes issued in a December 11, 2025 private placement.
The New Notes have the same economic terms and share the same indenture as the Old Notes, but are SEC-registered, generally freely transferable, and carry no ongoing registration rights or additional-interest features. The company will receive no cash proceeds, and total indebtedness will not increase, as Old Notes tendered are cancelled.
The prospectus details risks tied to the exchange mechanics, subordination to senior and subsidiary obligations, regulatory capital constraints, floating-rate reliance on Three-Month Term SOFR plus 312 basis points after December 15, 2030, optional prepayment features, potential market illiquidity and sensitivity to future credit ratings.
Financial Institutions, Inc. filed a current report to share that it has released its financial results for the fourth quarter ended December 31, 2025. The company issued a press release on January 29, 2026, which is furnished as Exhibit 99.1.
The company also published an investor presentation with fourth-quarter 2025 data on its investor relations website under “Events & Presentations.” The company states that it may use this website, along with SEC filings and press releases, to communicate material information to investors.
Financial Institutions Inc. reported updated insider holdings for its Chief Marketing Officer, Blake G. Jones, in an annual Form 5 filing. As of the fiscal year ended 12/31/2025, Jones beneficially owned 232 shares of Financial Institutions Inc. common stock held indirectly through the company’s 401(k) plan. A footnote explains that this total includes 10 shares acquired under the FISI 401(k) plan since the date of Jones’s last Section 16 filing. The filing reflects ongoing plan-based accumulation of shares rather than a discretionary open-market trade.
Financial Institutions Inc. officer Kevin B. Quinn reported his beneficial ownership for the fiscal year ended 12/31/2025. He held 5,275 shares of common stock directly and 40 shares indirectly through the company’s 401(k) plan. A footnote explains that 12 shares were acquired under the FISI 401(k) plan since his last Section 16 filing, reflecting routine accumulation of stock through retirement plan contributions rather than open-market trading.