{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-173676","form_type":"8-K","ticker":"FISI","cik":"0000862831","company_name":"FINANCIAL INSTITUTIONS INC","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.832967+00:00","generated_at":"2026-05-15T04:45:00.331144+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 Q1 2026 EPS $1.04, +28% YoY; NIM expands to 3.67%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-173676","json":"https://secwatch.observer/filing/0001193125-26-173676.json","markdown":"https://secwatch.observer/filing/0001193125-26-173676.md","text":"https://secwatch.observer/filing/0001193125-26-173676.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/862831/000119312526173676/0001193125-26-173676-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/862831/000119312526173676/fisi-20260331.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:45:00.331144+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":[{"claim_id":"8af92bb91b2ce559860718f87588265f0f1dc1cb","claim":"FINANCIAL INSTITUTIONS INC reported the first quarter ended March 31, 2026 results: net income $21.0 million, EPS $1.04 per diluted share. Guidance reaffirmed.","evidence_excerpt":"The Company reported net income of $21.0 million in the first quarter of 2026, compared to net income of $20.0 million in the fourth quarter of 2025 and $16.9 million in the first quarter of 2025. After preferred stock dividends, net income available to common shareholders was $20.6 million, or $1.04 per diluted share, in the first quarter of 2026, compared to net income of $19.6 million, or $0.96 per diluted share, in the fourth quarter of 2025, and $16.5 million, or $0.81 per diluted share, in the first quarter of 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/862831/000119312526173676/0001193125-26-173676-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2026"},{"label":"Net income","value":"$21.0 million"},{"label":"EPS","value":"$1.04 per diluted share"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}