FISI director files Form 3 with zero holdings

FINANCIAL INSTITUTIONS INC director Steven C. Finch filed an initial Form 3 reporting his holdings in the company’s common stock.

Rhea-AI Filing Summary

FINANCIAL INSTITUTIONS INC director Steven C. Finch filed an initial Form 3 reporting his holdings in the company’s common stock. The filing lists one holding entry for common stock with total shares following the report shown as 0. This indicates no reportable ownership position in the issuer’s common stock at the time of the filing.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Finch Steven C.

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 0 shares (Direct)

Key Figures

Security title: Common Stock Total shares following transaction: 0 shares Transaction date: 2026-05-20 +1 more

4 metrics

Security title Common Stock Security reported on Form 3

Total shares following transaction 0 shares Common stock position after reported holding entry

Transaction date 2026-05-20 Date of reported holding entry

Holding entries 1 entry Number of holding entries in transaction summary

Key Terms

Form 3, Common Stock, total shares following transaction, holding entry

4 terms

Form 3 regulatory

"director Steven C. Finch filed an initial Form 3 reporting his holdings"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

Common Stock financial

"The filing lists one holding entry for common stock with total shares"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

total shares following transaction financial

"total shares following the report shown as 0"

holding entry financial

"The filing lists one holding entry for common stock"

FAQ

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

What does Steven C. Finch’s Form 3 for FISI report?

The Form 3 for FISI shows Steven C. Finch’s initial ownership disclosure as a director. It reports a holding entry in common stock with total shares following the filing shown as 0, indicating no reportable common stock position at that time.

Does Steven C. Finch report any FISI common stock ownership on this Form 3?

The Form 3 shows total shares of FISI common stock following the reported holding entry as 0. This means there is no reportable ownership of the issuer’s common stock attributed to Steven C. Finch at the time of this initial filing.

Is the FISI Form 3 for Steven C. Finch a buy or sell transaction?

The FISI Form 3 is an initial ownership report, not a buy or sell transaction. The transaction section is characterized as a holding entry with an unknown transaction code and shows 0 total shares following the reported position.

What type of security is reported on Steven C. Finch’s FISI Form 3?

The Form 3 lists the security title as common stock of Financial Institutions Inc. The holding entry for this common stock shows total shares following the filing as 0, indicating no reportable common stock position for the reporting person.

What does total shares following transaction mean on this FISI Form 3?

Total shares following transaction reflects the reporting person’s common stock position after the reported entry. On this FISI Form 3, that figure is 0, indicating Steven C. Finch had no reportable common stock holdings at the time of this initial statement.

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

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Accepted by SEC EDGAR 05/21/2026 - 04:06 PM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Finch Steven C.

(Last) (First) (Middle)

C/O 220 LIBERTY STREET

(Street)

WARSAW NEW YORK 14569

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
05/20/2026

3. Issuer Name and Ticker or Trading Symbol
FINANCIAL INSTITUTIONS INC [ FISI ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	0	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	Sandra L. Byers by Power of Attorney from Steven C. Finch	05/21/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)