Financial Institutions Inc (FISI) CFO details direct and retirement share holdings

Rhea-AI Filing Summary

FINANCIAL INSTITUTIONS INC Chief Financial Officer William Jack Plants II filed a Form 4 reporting his current equity holdings as of March 5, 2026. He holds 2,897 restricted stock units, each representing a contingent right to receive one share of FISI common stock, along with 5,499 shares of common stock held directly. He also reports indirect ownership of 1,700 common shares in a 401(k) plan and 4,937 common shares in an IRA. The filing reflects holdings only and does not report new purchases or sales.

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

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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)
03/05/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock								5,499	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
Restricted Stock Units	(1)							02/23/2029	02/23/2029	Restricted Stock Units	2,897		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 William Jack Plants II	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.

FAQ

What did FISI’s CFO report in this Form 4 filing?

The CFO reported his current equity holdings in FISI, including restricted stock units and common shares. The filing lists both directly held shares and shares held in retirement accounts, without disclosing any new purchases or sales on March 5, 2026.

How many restricted stock units does FISI’s CFO hold?

He holds 2,897 restricted stock units, each representing a contingent right to receive one share of FISI common stock. These units typically convert into shares upon meeting specified conditions such as vesting or service requirements defined under the company’s compensation plans.

How many FISI common shares does the CFO hold directly and indirectly?

He reports 5,499 FISI common shares held directly. Indirectly, he lists 1,700 common shares held in a 401(k) plan and 4,937 common shares held in an IRA, reflecting retirement-related ownership separate from his directly owned stock positions.

Does this FISI Form 4 show the CFO buying or selling shares?

No, the transactions are coded as holdings with an unknown transaction code and direction. The Form 4 updates the totals of his direct and indirect ownership positions rather than disclosing specific new purchases, sales, or other equity transactions on the reported date.

What does each FISI restricted stock unit represent for the CFO?

Each restricted stock unit represents a contingent right to receive one share of FISI common stock. This means the CFO will receive actual shares only if the units satisfy the applicable conditions, such as vesting schedules or continued employment requirements.