FISI executive updates reported share and RSU holdings

Q: How many Restricted Stock Units does Laurie R. Collins hold in FISI?

She reported holding 1,865 Restricted Stock Units of FINANCIAL INSTITUTIONS INC. Each unit represents a contingent right to receive one share of FISI common stock, giving her potential future ownership if the units vest under their terms.

Q: How many FISI common shares does Laurie R. Collins own directly?

She reported owning 6,227 shares of FISI common stock directly. This direct holding reflects shares registered in her name, separate from any indirect holdings through retirement or other benefit plans listed in the Form 4.

Q: What indirect FISI holdings did Laurie R. Collins disclose in her Form 4?

She disclosed 726 shares of FISI common stock held indirectly in a 401(k) plan. These shares are attributed to her as indirect ownership because they are held within an employer-sponsored retirement account rather than in a standard brokerage account.

Q: Does this FISI Form 4 show direct or indirect ownership for Laurie R. Collins?

The Form 4 shows both. Collins holds FISI common stock directly, including Restricted Stock Units and common shares, and also holds shares indirectly through a 401(k) plan, reflecting different forms of beneficial ownership.

FINANCIAL INSTITUTIONS INC (FISI) executive Laurie R. Collins, Chief Human Resources Officer, reported her share holdings as of March 5, 2026.

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Rhea-AI Filing Summary

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.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Collins Laurie R

Role Chief Human Resources Officer

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

Holdings After Transaction: Restricted Stock Units — 1,865 contracts (Direct); Common Stock — 6,227 shares (Direct); Common Stock — 726 shares (Indirect, Held in 401K)

Footnotes (1)

F1. Each restricted stock unit represents a contingent right to receive one share of FISI common stock.

FAQ

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What did FINANCIAL INSTITUTIONS INC (FISI) executive Laurie R. Collins report in this Form 4?

Laurie R. Collins reported her equity holdings in FINANCIAL INSTITUTIONS INC. The filing lists Restricted Stock Units and common shares she holds directly and through a 401(k), showing her ownership position following the March 5, 2026 date.

How many Restricted Stock Units does Laurie R. Collins hold in FISI?

She reported holding 1,865 Restricted Stock Units of FINANCIAL INSTITUTIONS INC. Each unit represents a contingent right to receive one share of FISI common stock, giving her potential future ownership if the units vest under their terms.

How many FISI common shares does Laurie R. Collins own directly?

She reported owning 6,227 shares of FISI common stock directly. This direct holding reflects shares registered in her name, separate from any indirect holdings through retirement or other benefit plans listed in the Form 4.

What indirect FISI holdings did Laurie R. Collins disclose in her Form 4?

She disclosed 726 shares of FISI common stock held indirectly in a 401(k) plan. These shares are attributed to her as indirect ownership because they are held within an employer-sponsored retirement account rather than in a standard brokerage account.

What does each Restricted Stock Unit (RSU) represent for FISI shares?

Each Restricted Stock Unit represents a contingent right to receive one share of FISI common stock. This means Collins may receive actual shares in the future if vesting or other conditions attached to those RSUs are satisfied under the award terms.

Does this FISI Form 4 show direct or indirect ownership for Laurie R. Collins?

The Form 4 shows both. Collins holds FISI common stock directly, including Restricted Stock Units and common shares, and also holds shares indirectly through a 401(k) plan, reflecting different forms of beneficial ownership.

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Accepted by SEC EDGAR 03/06/2026 - 04:05 PM EST

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Collins Laurie R

(Last)

(First)

(Middle)

220 LIBERTY STREET

(Street)

WARSAW

14569

(City)

(State)

(Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
03/05/2026

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock								6,227	D
Common Stock								726	I	Held in 401K

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Restricted Stock Units	⁽¹⁾							02/23/2029	02/23/2029	Restricted Stock Units	1,865		0	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of FISI common stock.

	SANDRA L. BYERS By Power of Attorney from Laurie R. Collins	03/06/2026
	** 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 4 (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.

Source: View Original Filing on SEC EDGAR