Financial Institutions (FISI) CFO adds 660 shares in open‑market buy

Rhea-AI Filing Summary

Financial Institutions Inc.’s Chief Financial Officer, William Jack Plants II, bought 660 shares of common stock in an open‑market purchase at $30.119 per share. After this transaction, he directly owns 6,159 common shares.

He also has indirect holdings reported as 1,700 shares held in a 401(k) plan and 4,937 shares held in an IRA, providing additional retirement‑focused exposure to the company’s stock.

Insider Trade Summary

Net Buyer: 660 shares ($19,879)

Net Buy 3 txns

Insider Plants William Jack II

Role Chief Financial Officer

Bought 660 shs ($20K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	660	$30.119	$20K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 6,159 shares (Direct); Common Stock — 1,700 shares (Indirect, Held in 401K Plan)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

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^*

Plants William Jack II

(Last) (First) (Middle)

220 LIBERTY STREET

(Street)

WARSAW NY 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 Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/12/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/12/2026		P		660	A	$30.119	6,159	D
Common Stock								1,700	I	Held in 401K Plan
Common Stock								4,937	I	Held in IRA

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	SANDRA L. BYERS By Power of Attorney from William Jack Plants II	03/12/2026
	** 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.

FAQ

What insider transaction did FISI’s CFO report on this Form 4?

Financial Institutions Inc.’s CFO, William Jack Plants II, reported buying 660 shares of common stock in an open‑market transaction at $30.119 per share. This filing details his updated direct and indirect ownership positions following that purchase.

How many FISI shares does the CFO hold directly after this purchase?

After the open‑market purchase, the CFO directly holds 6,159 shares of Financial Institutions Inc. common stock. This reflects the newly acquired 660 shares combined with his prior direct holdings reported in the same Form 4 filing.

At what price did the FISI CFO buy the 660 shares reported?

The CFO bought 660 Financial Institutions Inc. common shares at $30.119 per share in an open‑market transaction. This price represents the per‑share consideration disclosed for the single reported purchase on the transaction date in the Form 4.

What indirect FISI holdings does the CFO report in this Form 4?

In addition to direct ownership, the CFO reports 1,700 Financial Institutions Inc. shares held in a 401(k) plan and 4,937 shares held in an IRA. These indirect positions indicate retirement‑account exposure separate from his directly owned common stock.

Does this FISI Form 4 show any insider stock sales by the CFO?

This Form 4 shows only an open‑market purchase of 660 common shares by the CFO and no reported sales. The transaction summary indicates one buy transaction and zero sell transactions for the period covered by the filing.

What is the overall buy versus sell activity in this FISI Form 4?

The transaction summary shows one buy transaction totaling 660 shares and no sells, resulting in a net‑buy position. Two additional entries simply update indirect holdings in retirement accounts, without being categorized as buy or sell transactions.