Financial Institutions Inc. (FISI) officer reports year-end insider share ownership

Rhea-AI Filing Summary

Financial Institutions Inc. insider Laurie R. Collins, the Chief Human Resources Officer, reported updated year-end holdings of the company’s common stock. As of the issuer’s fiscal year ended 12/31/2025, Collins beneficially owned 6,227 shares of common stock directly and 726 shares indirectly through a 401(k) plan.

The footnotes explain that part of these positions reflects 42 shares acquired via a broker-sponsored dividend reinvestment program and 32 shares acquired under the FISI 401(k) plan since the prior ownership report. This Form 5 is an annual update of insider holdings rather than a disclosure of new open-market purchases or sales.

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

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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).

Form 3 Holdings Reported.

Form 4 Transactions Reported.

1. Name and Address of Reporting Person^*

Collins Laurie R

(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 Human Resources 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							6,227(1)	D
Common Stock							726(2)	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)
					(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents 42 shares acquired at market value upon reinvestment of dividends through broker-sponsored dividend reinvestment program since the date of the reporting person's last ownership report.

2. Represents 32 shares acquired under the FISI 401(k) plan since the date of the reporting person's last ownership report.

	SANDRA L. BYERS By Power of Attorney from Laurie R. Collins	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 reveal about FISI insider Laurie R. Collins?

The Form 5 shows that Laurie R. Collins, Chief Human Resources Officer of Financial Institutions Inc. (FISI), reported her beneficial ownership of the company’s common stock as of the fiscal year ended 12/31/2025.

How many Financial Institutions Inc. (FISI) shares does Laurie R. Collins own after this Form 5?

As of 12/31/2025, Laurie R. Collins beneficially owned 6,227 shares of FISI common stock directly and 726 shares indirectly through a 401(k) plan.

What portion of Laurie R. Collins’s FISI holdings came from dividend reinvestment?

The filing notes that 42 shares of FISI common stock were acquired at market value through a broker-sponsored dividend reinvestment program since her last ownership report.

How many FISI shares did Laurie R. Collins acquire through the 401(k) plan?

The Form 5 states that 32 shares of FISI common stock were acquired under the FISI 401(k) plan since Laurie R. Collins’s prior ownership report.

Is Laurie R. Collins a director or 10% owner of Financial Institutions Inc. (FISI)?

No. The Form 5 identifies Laurie R. Collins as an officer of FISI with the title Chief Human Resources Officer, and does not indicate she is a director or 10% owner.

Is this FISI Form 5 filed by more than one reporting person?

No. The filing indicates that it is a Form filed by one reporting person, namely Laurie R. Collins.