Financial Institutions (NASDAQ: FISI) sets $0.32 dividend for Oct. 2

Rhea-AI Filing Summary

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.

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

Quarterly common dividend: $0.32 per common share Series A 3% Preferred Stock dividend: $0.75 per share Series B-1 8.48% Preferred Stock dividend: $2.12 per share +3 more

6 metrics

Quarterly common dividend $0.32 per common share Declared by the Board, payable October 2, 2026 to holders of record on September 15, 2026

Series A 3% Preferred Stock dividend $0.75 per share Dividend on Series A 3% preferred stock, payable October 2, 2026

Series B-1 8.48% Preferred Stock dividend $2.12 per share Dividend on Series B-1 8.48% preferred stock, payable October 2, 2026

Assets $6.3 billion Approximate total assets as of June 30, 2026

Dividend payment date October 2, 2026 Payment date for common and preferred dividends

Dividend record date September 15, 2026 Record date for all declared dividends

Key Terms

Regulation FD Disclosure, quarterly cash dividend, financial holding company, preferred stock, +1 more

5 terms

Regulation FD Disclosure regulatory

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

Regulation FD disclosure requires public companies to share important, market-moving information with everyone at the same time instead of tipping off analysts or large investors first. Think of it as making sure all players on a field hear the same announcement simultaneously; that fairness helps investors trust that stock prices reflect the same information and reduces the risk of sudden, unfair trading advantages or regulatory penalties for selective leaks.

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.

financial holding company financial

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

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.

preferred stock financial

"dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share"

Preferred stock is a type of ownership in a company that typically offers investors higher and more consistent dividend payments than common stock. Unlike regular shares, preferred stock usually doesn’t come with voting rights but provides a priority claim on the company’s assets and profits, making it a more stable and predictable investment option. This makes preferred stock attractive to those seeking steady income with lower risk.

Nasdaq Global Select Market market

"Common stock, par value $0.01 per share | | FISI | | Nasdaq Global Select Market"

A Nasdaq Global Select Market listing is the highest tier of stocks on the Nasdaq exchange, reserved for companies that meet the strictest financial, reporting and governance standards. For investors, it acts like a premium quality label—signaling larger, more transparent and better-governed companies that tend to offer greater liquidity and lower perceived risk compared with lower-tier listings, making it easier to buy, sell and evaluate shares.

FAQ

What dividend did FINANCIAL INSTITUTIONS INC (FISI) declare on its common stock?

Financial Institutions, Inc. declared a quarterly cash dividend of $0.32 per outstanding common share. The dividend is payable on October 2, 2026 to shareholders of record on September 15, 2026.

What preferred stock dividends did FISI announce?

Financial Institutions, Inc. 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, payable October 2, 2026 to shareholders of record on September 15, 2026.

When will FISI’s declared dividends be paid and what is the record date?

All declared dividends by Financial Institutions, Inc. will be payable on October 2, 2026 to shareholders of record as of September 15, 2026.

How large is FINANCIAL INSTITUTIONS INC (FISI) in terms of assets?

Financial Institutions, Inc. reported having approximately $6.3 billion in assets as of June 30, 2026. It operates as a financial holding company offering banking and wealth management products and services.

What businesses does FINANCIAL INSTITUTIONS INC (FISI) operate?

Financial Institutions, Inc. is the parent of Five Star Bank, which provides consumer and commercial banking and lending services, and Courier Capital, LLC, which offers investment management, financial planning and consulting services.

On which market is FINANCIAL INSTITUTIONS INC (FISI) listed and what is its symbol?

Financial Institutions, Inc. is listed on the Nasdaq Global Select Market under the trading symbol FISI.

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Understanding 8-K Material Events →

Available on EDGAR 08/26/2026 - 04:07 PM Accepted by SEC EDGAR 08/26/2026 - 04:06 PM Learn about SEC filing dates

false000086283100008628312026-08-262026-08-26

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): August 26, 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 August 26, 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 October 2, 2026 to shareholders of record as of September 15, 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 August 26, 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:	August 26, 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., August 26, 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 October 2, 2026, to shareholders of record on September 15, 2026.

About Financial Institutions, Inc.
Financial Institutions, Inc. (NASDAQ: FISI) is a financial holding company with approximately $6.3 billion in assets as of June 30, 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