{"filings":[{"id":581839,"accession_number":"0000862831-26-000002","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-05-21T20:06:16+00:00","items":["5.07"],"status":"ready","headline":"FISI shareholders elect all five director nominees and approve say-on-pay and auditor ratification at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["David P. Bovenzi, Andrew W. Dorn Jr., Steven C. Finch, Robert M. Glaser, Susan R. Holliday elected to three-year terms ending 2029.","Say-on-pay advisory vote passed with 13,784,109 FOR vs 1,541,347 AGAINST and 112,443 abstentions.","Ratification of RSM US LLP as auditor for FY 2026 approved: 17,157,943 FOR, 522,914 AGAINST, 20,513 abstain.","Broker non-votes totaled 2,263,471 on director elections and say-on-pay; no broker votes on auditor ratification.","Record date March 23, 2026; 19,684,776 shares outstanding and entitled to vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":554360,"accession_number":"0001193125-26-232561","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-05-20T20:06:15+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions declares $0.32 common dividend, payable July 2, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.32 per common share declared.","Series A preferred dividend of $0.75 per share; Series B-1 preferred dividend of $2.12 per share.","Dividends payable July 2, 2026 to shareholders of record as of June 12, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99265,"accession_number":"0001193125-26-173676","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Financial Institutions Q1 2026 EPS $1.04, +28% YoY; NIM expands to 3.67%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $21.0M ($1.04 diluted EPS) vs. $16.9M ($0.81) in Q1 2025; EPS up 28.4% YoY.","Net interest margin 3.67%, up 5 bp linked and 32 bp YoY; net interest income $52.0M.","Total loans $4.63B (+1.6% YoY); management reaffirms 5% full year 2026 growth target.","Board approved 3.2% dividend increase to $0.32 per share; repurchased 163,197 shares at avg $31.50.","ROAA 1.37%, ROATE 15.04%; efficiency ratio 57%; all regulatory capital ratios exceed well-capitalized thresholds."],"consensus_eps_estimate":null,"consensus_eps_actual":1.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115152,"accession_number":"0001193125-26-100119","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Donald K. Boswell to retire from Financial Institutions board after 9 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Donald K. Boswell will not stand for re-election at the 2026 Annual Meeting of Shareholders.","His retirement from the boards of Financial Institutions, Inc. and Five Star Bank takes effect after the meeting.","Boswell's decision was to pursue outside interests and not due to any disagreement with the Company.","He served on both boards for nine years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115151,"accession_number":"0001193125-26-048970","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. increases quarterly common dividend 3.2% to $0.32 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly common dividend increased by $0.01 to $0.32, a 3.2% increase from the prior quarter.","Annualized yield of 3.7% based on $34.43 closing price on February 11, 2026.","Payout ratio of 35% of 2025 net income available to common stockholders per diluted share.","Preferred dividends: $0.75 on Series A, $2.12 on Series B-1; payable April 2, 2026 to holders of record March 13, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115150,"accession_number":"0001193125-26-029330","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"No specific financial data available in filing text; press release for Q4 2025 results referenced but not provided","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release for Q4 2025 earnings issued on January 29, 2026; full text not appended to this 8-K.","No financial metrics, guidance changes, or segment data are available from the filing body.","Investor presentation also referenced as available on company website; not included here."],"consensus_eps_estimate":null,"consensus_eps_actual":3.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131559,"accession_number":"0001193125-25-316059","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-12-11T23:59:59+00:00","items":["1.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"Financial Institutions Inc. issues $80M subnotes at 6.50%, to redeem $65M higher-cost debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $80M of 6.50% fixed-to-floating subordinated notes due 2035; fixed rate for first 5 years, then SOFR+312bps.","Net proceeds to redeem $65M of outstanding subnotes currently bearing ~8.1-8.2% interest, expected redemption on/about Jan 15, 2026.","Notes rated BBB- by Kroll; CEO expects Total Risk-Based Capital ratio to be temporarily elevated ~150 bps at year-end.","CEO says refinancing provides more attractive rates and additional capital for deployment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131558,"accession_number":"0001193125-25-284607","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-11-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. declares $0.31 quarterly common dividend payable Jan 2, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.31 per common share quarterly cash dividend, payable Jan 2, 2026 to holders of record Dec 15, 2025.","Also declared $0.75 per share on Series A 3% preferred and $2.12 per share on Series B-1 8.48% preferred.","Dividends were approved by the Board on November 14, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131557,"accession_number":"0001193125-25-248744","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Q3 2025 results announced; financial details not provided in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued October 23, 2025 for quarter ended September 30, 2025.","Investor presentation available on company website (www.FISI-investors.com).","Specific financial figures are not included in this 8-K filing; refer to exhibit 99.1."],"consensus_eps_estimate":null,"consensus_eps_actual":2.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148133,"accession_number":"0001193125-25-211278","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-09-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. authorizes new share repurchase program for up to 5% of outstanding shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Program authorizes repurchase of up to 1,006,379 shares, approximately 5% of common shares outstanding.","Effective September 18, 2025, replaces and terminates the prior program from June 2022.","No expiration date; repurchases at management's discretion based on market conditions and capital priorities.","CEO cites confidence in consistent financial results and flexibility to return capital while investing in growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148132,"accession_number":"0000950170-25-111189","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions declares $0.31 common dividend, payable Oct 2","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly common dividend of $0.31 per share; payable Oct 2, 2025 to holders of record Sep 15, 2025.","Series A 3% preferred dividend of $0.75 per share declared; same payable and record dates.","Series B-1 8.48% preferred dividend of $2.12 per share declared; same payable and record dates.","Dividends consistent with prior quarter; no change in rate announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148131,"accession_number":"0000950170-25-098332","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"FISI reports Q2 2025 earnings; press release not included in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued July 24, 2025 for quarter ended June 30, 2025.","Investor presentation available on company website at www.FISI-investors.com.","Exhibit 99.1 containing financial results is not appended to this filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":1.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166893,"accession_number":"0000950170-25-078932","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Shareholders approve amended 2015 Long-Term Incentive Plan, elect directors at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Plan amended: shares increased by 400,000, term extended to May 28, 2035, director compensation limits combined to $300K/$500K.","Plan approved with 14,350,846 for, 2,066,025 against, 23,150 abstain.","Directors elected: Birmingham, Harting, Panzarella, Schrader, and VanGelder each received over 14.9M votes for.","Say-on-pay advisory vote approved: 13,171,061 for, 3,203,190 against.","Ratification of RSM US LLP as auditor for FY2025 approved with 17,777,141 for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166892,"accession_number":"0000950170-25-078331","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"FISI declares $0.31 common dividend; preferred dividends of $0.75 and $2.12","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Common dividend of $0.31 per share declared; payable July 2, 2025 to holders of record June 13, 2025.","Series A 3% preferred dividend of $0.75 per share declared.","Series B-1 8.48% preferred dividend of $2.12 per share declared.","All dividends payable July 2, 2025; record date June 13, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166891,"accession_number":"0000950170-25-059293","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-04-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Financial Institutions posts Q1 net income of $16.9M ($0.81 EPS); NIM expands to 3.35%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $16.9M (diluted EPS $0.81) vs net loss of $82.8M ($(5.07)/share) in Q4 2024 and net income of $2.1M ($0.11) in Q1 2024.","Net interest margin 3.35% (+44 bp QoQ, +57 bp YoY); net interest income $46.9M, up 12.6% from Q4.","Loans grew $74.1M (1.7%) to $4.55B; deposits up $268.2M (5.3%) to $5.37B, driven by seasonal public deposits.","Quarterly dividend raised 3.3% to $0.31/share; company called $10M sub-debt (6.00%) in April 2025.","Provision for credit losses $2.9M vs $6.5M QoQ; net charge-offs 0.21% of avg loans, improved from prior quarters."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184294,"accession_number":"0000950170-25-036249","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"FISI settles auto lending class action for $29.5M, records $23M Q4 2024 accrual","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Settlement covers repossession notices sent 2011-2021 to defaulting borrowers in NY and PA.","Cash payment of $29.5M to class members plus debt release and adverse credit removal.","Company recorded $23.0M litigation accrual ($17.1M after-tax) in Q4 2024 financials.","Settlement subject to court approval; no admission of liability by FISI or Five Star Bank.","FISI does not expect additional accruals or changes to previously published 2025 guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184288,"accession_number":"0000950170-25-036259","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K/A","filed_at":"2025-03-10T23:59:59+00:00","items":["2.02","7.01"],"status":"ready","headline":"FISI records $23M pre-tax litigation accrual, restates Q4/FY2024 results to wider losses","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Settlement of class-action lawsuit over UCC notice compliance in NY and PA adds $23.0M pre-tax charge.","Q4 2024 net loss increased by $17.1M to $82.8M; diluted EPS revised to –$5.07 from –$4.02.","Full-year 2024 net loss rose to $41.6M from $24.5M; diluted EPS now –$2.75 vs. –$1.66.","Settlement reached March 7, 2025 after mediation; subject to court approval; $6.5M in insurance proceeds netted.","Tangible common equity fell to $491M (8.11% of tangible assets) from prior $508M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184293,"accession_number":"0000950170-25-034613","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Samuel Gullo to retire after 25 years, not standing for re-election at 2025 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Samuel M. Gullo informed the board on March 4, 2025 of his decision not to stand for re-election.","His retirement from Financial Institutions Inc. and Five Star Bank boards takes effect after the 2025 annual meeting.","Decision is for personal reasons, more time with family; not due to any disagreement with the company.","Gullo served 25 years on both boards."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184292,"accession_number":"0000950170-25-034609","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. 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Birmingham and joins Executive Management Committee.","Previously spent 19 years at M&T Bank, most recently as Retail Segment CFO.","Five Star Bank has over $6B in assets and 49 branches across Western and Central New York."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184291,"accession_number":"0000950170-25-019874","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-02-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"FISI raises quarterly common dividend 3.3% to $0.31 per share, payable April 2, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Common dividend increased to $0.31 from $0.30 per share, a 3.3% increase.","Annualized yield of 4.4% based on $28.00 closing price on Feb 12, 2025.","Series A preferred dividend of $0.75/share and Series B-1 preferred dividend of $2.12/share declared.","All dividends payable April 2, 2025 to holders of record March 14, 2025.","CEO cites Board confidence in long-term sustainable growth strategy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184290,"accession_number":"0000950170-25-011079","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. reports Q4 2024 results; no financial specifics in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued Jan 30, 2025 for Q4 ended Dec 31, 2024, but exhibit not included in filing excerpt.","No revenue, EPS, or other financial figures are available from the provided text.","Investor presentation posted on company website under Events & Presentations."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184289,"accession_number":"0000950170-25-009190","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2025-01-27T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Financial Institutions appoints Angela Panzarella to Board, increasing size to 12","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective January 22, 2025; board expands from 11 to 12 members, 11 independent.","Panzarella will serve on Audit and Management Development & Compensation Committees.","Background includes CEO of YWCA Rochester (2018-2020), 20-year tenure at Bausch+Lomb, prior public board at Transcat.","She is independent under NASDAQ standards and expected to stand for election at next annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200890,"accession_number":"0001193125-24-276369","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-12-12T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. prices $95M common stock offering at $25/share, plans balance sheet repositioning","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Public offering of 4M shares at $25/share; expected net proceeds ~$94.3M.","Underwriters granted 30-day option to purchase up to an additional 600,000 shares.","Proceeds to fund balance sheet restructuring via AFS portfolio repositioning and debt repayment.","KBW sole bookrunner, Piper Sandler co-manager; closing expected on or about Dec 13, 2024.","Shelf registration effective Dec 4, 2024; prospectus supplement filed Dec 11, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200889,"accession_number":"0000950170-24-129234","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-11-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions declares $0.30 quarterly common dividend, payable Jan 2","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.30 per common share approved by Board.","Series A preferred dividend set at $0.75 per share; Series B-1 at $2.12 per share.","All dividends payable January 2, 2025 to holders of record December 13, 2024.","Common dividend unchanged from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200888,"accession_number":"0000950170-24-117049","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"FISI Q3 2024 net income $13.5M ($0.84 EPS), down from $25.6M in Q2 on insurance asset sale gain absence","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.84 vs $1.62 Q2 2024 and $0.88 Q3 2023; net interest margin 2.89% (+2 bps QoQ).","Deposits $5.31B, +$173M (+3.4%) QoQ; loans $4.40B, -$58.5M (-1.3%) QoQ.","Noninterest income $9.4M vs $24.0M Q2 (Q2 included $13.5M pre-tax gain on insurance asset sale).","Non-performing loans $40.7M (0.93% of total loans) vs $25.2M (0.57%) at Q2; provision $3.1M up from $2.0M.","Common equity tier 1 ratio 10.28% (+25 bps QoQ); orderly wind-down of BaaS offerings targeted for 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":2.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216883,"accession_number":"0000950170-24-106821","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-09-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. to wind down BaaS, refocus on core franchise","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["BaaS wind-down after strategic review; June 30: ~2% of deposits ($108M), <1% of loans ($31M); targeted by 2025.","Of 12 BaaS partnerships, 4 live, 2 onboarding, 4 not testing, 2 offboarding; all personnel retained for core banking.","Financial impact immaterial; decision driven by modest contribution, regulatory expectations, and required investments.","Company refocuses on community banking, commercial lending, and wealth management growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216882,"accession_number":"0000950170-24-098510","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-08-19T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions, Inc. declares $0.30 quarterly common dividend payable Oct 2, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.30 per common share; also $0.75 on Series A preferred and $2.12 on Series B-1 preferred.","Dividends payable October 2, 2024 to shareholders of record as of September 13, 2024.","Dividend amounts unchanged from prior quarter; indicates stable payout policy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216881,"accession_number":"0000950170-24-086488","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"FISI Q2 net income $25.6M ($1.62 EPS) vs $2.1M Q1; includes $13.5M gain from insurance sale","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $25.6M, diluted EPS $1.62 vs $0.11 Q1 and $0.91 year ago; record quarterly net income to common shareholders.","Net interest margin expanded 9 bps to 2.87% from 2.78% linked quarter; net interest income $41.2M up 2.8%.","Sale of SDN Insurance assets closed April 1, generating $13.5M pre-tax gain; proceeds ~$27M.","Regulatory capital improved: CET1 10.03% vs 9.43% Q1; tangible book value per share $25.17, up 9.2%.","Noninterest expense $33.0M, down 38.9% from Q1; deposit-related fraud event charges continuing."],"consensus_eps_estimate":null,"consensus_eps_actual":1.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236624,"accession_number":"0000950170-24-077274","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-06-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Mauricio F. 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broker non-votes 2.5M.","Advisory Say-on-Pay proposal approved with 87.7% of votes cast.","Shareholders voted for annual Say-on-Pay frequency (9.7M for 1 year).","Ratification of RSM US LLP as auditor for FY 2024 approved with 98.7% of votes cast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236621,"accession_number":"0000950170-24-063490","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-05-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Financial Institutions declares $0.30 quarterly common dividend payable July 2","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Common stock dividend of $0.30 per share declared.","Series A 3% preferred dividend of $0.75 per share.","Series B-1 8.48% preferred dividend of $2.12 per share.","All dividends payable July 2, 2024 to holders of record June 14, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":707331259.8152955,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236620,"accession_number":"0000950170-24-048290","cik":862831,"company_name":"FINANCIAL INSTITUTIONS INC","ticker":"FISI","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Financial Institutions Q1 net income $2.1M, EPS $0.11, hit by $18.4M fraud loss; 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