Financial Institutions Inc (FISI) officer discloses 2025 year-end stock holdings

Rhea-AI Filing Summary

Financial Institutions Inc. officer Kevin B. Quinn reported his beneficial ownership for the fiscal year ended 12/31/2025. He held 5,275 shares of common stock directly and 40 shares indirectly through the company’s 401(k) plan. A footnote explains that 12 shares were acquired under the FISI 401(k) plan since his last Section 16 filing, reflecting routine accumulation of stock through retirement plan contributions rather than open-market trading.

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^*

Quinn Kevin B

(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 Comm Banking 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							5,275	D
Common Stock							40(1)	I	Held in 401K Plan

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 12 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 Kevin B. Quinn	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.
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FAQ

What does the Financial Institutions Inc (FISI) Form 5 filing show for Kevin B. Quinn?

The filing shows that Chief Comm Banking Officer Kevin B. Quinn beneficially owned 5,275 direct shares of Financial Institutions Inc. common stock and 40 shares held indirectly in the company’s 401(k) plan as of the fiscal year ended 12/31/2025.

How many Financial Institutions Inc (FISI) shares does Kevin B. Quinn hold through the 401(k) plan?

As of the fiscal year ended 12/31/2025, Kevin B. Quinn held 40 shares of Financial Institutions Inc. common stock indirectly, labeled as “Held in 401K Plan.”

Were any new Financial Institutions Inc (FISI) shares acquired under the 401(k) since Kevin B. Quinn’s last Section 16 filing?

Yes. A footnote states that the 401(k) position includes 12 shares acquired under the FISI 401(k) plan since the date of Kevin B. Quinn’s last Section 16 filing.

Does the Form 5 for Financial Institutions Inc (FISI) report any option or other derivative positions for Kevin B. Quinn?

No derivative securities are listed in Table II. The filing reports only non-derivative common stock holdings, both direct and through the 401(k) plan.

What is Kevin B. Quinn’s role at Financial Institutions Inc (FISI) according to this filing?

The Form 5 identifies Kevin B. Quinn as an officer of Financial Institutions Inc with the title Chief Comm Banking Officer, and not as a director or 10% owner.

For which period does this Financial Institutions Inc (FISI) Form 5 report insider holdings?

The statement covers insider beneficial ownership for Financial Institutions Inc’s fiscal year ended 12/31/2025, summarizing holdings as of that date.