{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-086488","form_type":"8-K","ticker":"FISI","cik":"0000862831","company_name":"FINANCIAL INSTITUTIONS INC","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.068783+00:00","generated_at":"2026-05-31T16:32:44.108536+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FISI Q2 net income $25.6M ($1.62 EPS) vs $2.1M Q1; includes $13.5M gain from insurance sale","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-086488","json":"https://secwatch.observer/filing/0000950170-24-086488.json","markdown":"https://secwatch.observer/filing/0000950170-24-086488.md","text":"https://secwatch.observer/filing/0000950170-24-086488.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/862831/000095017024086488/0000950170-24-086488-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/862831/000095017024086488/fisi-20240630.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:32:44.108536+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}