Financial Institutions Inc. sets July 2026 dividends

Financial Institutions, Inc., parent of Five Star Bank and Courier Capital, announced a quarterly cash dividend of $0.32 per common share.

Rhea-AI Filing Summary

Financial Institutions, Inc., parent of Five Star Bank and Courier Capital, announced a quarterly cash dividend of $0.32 per common share. The company also declared dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share on its Series B-1 8.48% preferred stock.

All dividends are payable on July 2, 2026 to shareholders of record on June 12, 2026. The company reports approximately $6.3 billion in assets as of March 31, 2026, reflecting a regional banking and wealth management platform focused on Western and Central New York with additional commercial lending reach into the Mid-Atlantic region.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Common dividend: $0.32 per share Series A preferred dividend: $0.75 per share Series B-1 preferred dividend: $2.12 per share +3 more

6 metrics

Common dividend $0.32 per share Quarterly cash dividend payable July 2, 2026

Series A preferred dividend $0.75 per share Series A 3% preferred stock dividend payable July 2, 2026

Series B-1 preferred dividend $2.12 per share Series B-1 8.48% preferred stock dividend payable July 2, 2026

Record date June 12, 2026 Shareholders of record on this date receive the dividends

Payment date July 2, 2026 Scheduled cash dividend payment date for all series

Total assets $6.3 billion Approximate assets as of March 31, 2026

Key Terms

Regulation FD, quarterly cash dividend, Series A 3% preferred stock, Series B-1 8.48% preferred stock, +1 more

5 terms

Regulation FD regulatory

"Item 7.01 Regulation FD Disclosure. Financial Institutions, Inc."

Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.

quarterly cash dividend financial

"approved a quarterly cash dividend of $0.32 per outstanding common share"

A quarterly cash dividend is a payment made by a company to its shareholders four times a year, usually based on its profits. It is like a regular bonus or reward for owning the company's stock, providing shareholders with income. Many investors see these payments as a sign of the company's stability and its ability to generate consistent profits.

Series A 3% preferred stock financial

"dividends of $0.75 per share on its Series A 3% preferred stock"

Series B-1 8.48% preferred stock financial

"dividends of $2.12 per share on its Series B-1 8.48% preferred stock"

financial holding company financial

"Financial Institutions, Inc. is a financial holding company with approximately $6.3 billion in assets"

A financial holding company is a parent firm that owns and oversees banks and other financial businesses, such as lending, insurance, or investment services. It matters to investors because it bundles several money-making activities under one roof—like a parent managing several children—so returns, risks, and regulatory rules for banking apply to the whole group; trouble in one unit can affect the company’s profits, capital needs, and dividends.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What dividend did Financial Institutions, Inc. (FISI) declare for common shareholders?

Financial Institutions, Inc. declared a quarterly cash dividend of $0.32 per outstanding common share. This payment rewards common shareholders with regular income and reflects the board’s decision to return a portion of the company’s earnings while continuing to operate its regional banking and wealth management businesses.

What are the dividend amounts on FISI’s preferred stock series?

The company announced dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share on its Series B-1 8.48% preferred stock. These fixed dividends provide defined cash flows to preferred holders alongside the regular common stock dividend.

When is the record date and payment date for FISI’s July 2026 dividends?

All dividends are payable on July 2, 2026 to shareholders of record on June 12, 2026. Investors must be registered owners by the record date to receive the declared cash payments on the stated July payment date.

How large is Financial Institutions, Inc. (FISI) based on total assets?

Financial Institutions, Inc. reports approximately $6.3 billion in assets as of March 31, 2026. This asset base supports its Five Star Bank operations in Western and Central New York and its wealth management subsidiary, Courier Capital, LLC, serving individuals, businesses and institutions.

What businesses does Financial Institutions, Inc. operate through its subsidiaries?

Through Five Star Bank, the company provides consumer and commercial banking and lending services across Western and Central New York and a Mid-Atlantic loan office. Through Courier Capital, LLC, it offers customized investment management, financial planning, consulting, and retirement plan services to varied client types.

On which exchange is Financial Institutions, Inc. (FISI) listed and under what symbol?

Financial Institutions, Inc. common stock trades on the Nasdaq Global Select Market under the ticker symbol FISI. This listing provides public market access and liquidity for investors interested in the company’s regional banking and wealth management franchise.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/20/2026 - 04:06 PM EDT Learn about SEC filing dates

0000862831false00008628312026-05-202026-05-20

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 20, 2026

Financial Institutions, Inc.

(Exact name of Registrant as Specified in Its Charter)

New York			0-26481	16-0816610
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
220 Liberty Street
Warsaw, New York				14569
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 585 786-1100

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		FISI		Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

Financial Institutions, Inc. (the “Company”) issued a press release announcing that on February 12, 2026, its Board of Directors declared a cash dividend of $0.32 per common share. The Company also announced 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 July 2, 2026 to shareholders of record as of June 12, 2026.

The press release issued by the Company is furnished as Exhibit 99.1 to this Form 8-K pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (“Exchange Act”), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, of the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number		Description		Location
99.1		Press Release issued by Financial Institutions, Inc. on May 20, 2026		Filed Herewith
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			Financial Institutions, Inc.
Date:	May 20, 2026	By:	/s/ W. Jack Plants, II
			W. Jack Plants, II Executive Vice President, Chief Financial Officer      and Treasurer

Financial Institutions, Inc. Announces Quarterly Cash Dividend

WARSAW, N.Y., May 20, 2026 — Financial Institutions, Inc. (NASDAQ: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced that today its Board of Directors approved a quarterly cash dividend of $0.32 per outstanding common share.

The Company also announced dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share on its Series B-1 8.48% preferred stock.

All dividends are payable July 2, 2026, to shareholders of record on June 12, 2026.

About Financial Institutions, Inc.
Financial Institutions, Inc. (NASDAQ: FISI) is a financial holding company with approximately $6.3 billion in assets as of March 31, 2026, offering banking and wealth management products and services. Its Five Star Bank subsidiary provides consumer and commercial banking and lending services to individuals, municipalities and businesses through banking locations spanning Western and Central New York and a commercial loan production office serving the Mid-Atlantic region. Courier Capital, LLC offers customized investment management, financial planning and consulting services to individuals and families, businesses, institutions, non-profits and retirement plans. Learn more at Five-StarBank.com and FISI-Investors.com.

For additional information contact:

Kate Croft

Director of Investor Relations and Corporate Communications

(716) 817-5159

klcroft@five-starbank.com

Filing Exhibits & Attachments

2 documents

Press Releases

• EX-99.1 EX-99.1 7.3 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 24.5 KB