Financial Institutions Inc. (FISI) CFO reports 2025 insider stock ownership

Rhea-AI Filing Summary

Financial Institutions Inc.'s Chief Financial Officer, William Jack Plants II, reported his annual beneficial ownership on Form 5 for the fiscal year ended 12/31/2025. He directly holds 5,499 shares of Financial Institutions Inc. common stock.

In addition, he indirectly holds 1,700 shares through the company's 401(k) plan and 4,937 shares in an IRA. A footnote explains that 75 shares were acquired under the FISI 401(k) plan since his last Section 16 filing, indicating incremental retirement-plan accumulation rather than a large discretionary trade.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Plants William Jack II

Role Chief Financial Officer

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

Holdings After Transaction: Common Stock — 5,499 shares (Direct); Common Stock — 1,700 shares (Indirect, Held in 401K Plan)

Footnotes (1)

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SEC Form 5

FORM 5

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

ANNUAL 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:			3235-0362
Estimated average burden
hours per response:			1.0

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

Form 3 Holdings Reported.

Form 4 Transactions Reported.

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. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2025

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 at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
				Amount	(A) or (D)	Price
Common Stock							5,499	D
Common Stock							1,700(1)	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)
					(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents 75 shares acquired under the FISI 401(k) plan since the date of the reporting person's last Section 16 filing.

	SANDRA L. BYERS By Power of Attorney from William Jack Plants II	01/09/2026
	** 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 does the latest Form 5 for FINANCIAL INSTITUTIONS INC (FISI) show for insider holdings?

The Form 5 shows that Chief Financial Officer William Jack Plants II beneficially owns 5,499 shares of common stock directly, plus 1,700 shares in a 401(k) plan and 4,937 shares in an IRA as of the fiscal year ended 12/31/2025.

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

The CFO holds 5,499 shares of FISI common stock directly, 1,700 shares indirectly through a 401(k) plan, and 4,937 shares indirectly through an IRA.

What new shares were acquired by the FISI CFO according to this Form 5?

A footnote states that 75 shares were acquired under the FISI 401(k) plan since the date of the reporting person's last Section 16 filing.

For which period does this FISI insider ownership report apply?

The Form 5 relates to Financial Institutions Inc.'s fiscal year ended 12/31/2025.

What is the relationship of the reporting person to FINANCIAL INSTITUTIONS INC (FISI)?

The reporting person, William Jack Plants II, is an officer of Financial Institutions Inc., serving as Chief Financial Officer.

Are there any derivative securities reported for the FISI CFO on this Form 5?

The Form 5's derivative securities table does not list any derivative securities for the reporting person for this period.