{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-059293","form_type":"8-K","ticker":"FISI","cik":"0000862831","company_name":"FINANCIAL INSTITUTIONS INC","filed_at":"2025-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.501673+00:00","generated_at":"2026-05-23T05:29:52.294836+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":"Financial Institutions posts Q1 net income of $16.9M ($0.81 EPS); NIM expands to 3.35%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-059293","json":"https://secwatch.observer/filing/0000950170-25-059293.json","markdown":"https://secwatch.observer/filing/0000950170-25-059293.md","text":"https://secwatch.observer/filing/0000950170-25-059293.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/862831/000095017025059293/0000950170-25-059293-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/862831/000095017025059293/fisi-20250331.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T05:29:52.294836+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"}