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Financial Institutions, Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $20.99 million from $16.88 million a year earlier, and net income available to common shareholders reached $20.62 million.
Net interest income increased to $51.99 million from $46.86 million, as interest expense on deposits declined and provision for credit losses decreased to $2.24 million. Basic earnings per common share improved to $1.05 from $0.82, while diluted EPS was $1.04.
Total assets were $6.29 billion and total deposits were $5.34 billion as of March 31, 2026. Comprehensive income was $14.69 million, reflecting unrealized losses in the securities and hedging portfolios, and the allowance for credit losses on loans declined to $44.66 million.
Financial Institutions, Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $20.99 million from $16.88 million a year earlier, and net income available to common shareholders reached $20.62 million.
Net interest income increased to $51.99 million from $46.86 million, as interest expense on deposits declined and provision for credit losses decreased to $2.24 million. Basic earnings per common share improved to $1.05 from $0.82, while diluted EPS was $1.04.
Total assets were $6.29 billion and total deposits were $5.34 billion as of March 31, 2026. Comprehensive income was $14.69 million, reflecting unrealized losses in the securities and hedging portfolios, and the allowance for credit losses on loans declined to $44.66 million.
Financial Institutions, Inc. reported strong first-quarter 2026 results, with net income available to common shareholders of $20.6 million, or $1.04 per diluted share, up from $0.81 a year earlier. Earnings reflected a net interest margin of 3.67%, return on average assets of 1.37% and return on average equity of 13.43%.
Total loans were $4.63 billion and total deposits were $5.34 billion at March 31, 2026. The company repurchased 163,197 common shares at an average price of $31.50 and increased its quarterly common dividend by 3.2% to $0.32 per share.
Financial Institutions, Inc. reported strong first-quarter 2026 results, with net income available to common shareholders of $20.6 million, or $1.04 per diluted share, up from $0.81 a year earlier. Earnings reflected a net interest margin of 3.67%, return on average assets of 1.37% and return on average equity of 13.43%.
Total loans were $4.63 billion and total deposits were $5.34 billion at March 31, 2026. The company repurchased 163,197 common shares at an average price of $31.50 and increased its quarterly common dividend by 3.2% to $0.32 per share.
Financial Institutions, Inc. presents its 2026 proxy statement and calls a virtual annual shareholder meeting on May 20, 2026, to elect five directors, hold an advisory say‑on‑pay vote, and ratify RSM US LLP as auditor.
Management highlights strong 2025 performance, including net income available to common shareholders of $73.4 million, diluted EPS of $3.61, and return on average assets of 1.20%. Net interest margin reached 3.53%, expanding 67 basis points year over year, while net interest income reached a record level and noninterest income remained durable.
Tangible common book value per share rose nearly 14% to $27.84 as of December 31, 2025. The company refinanced subordinated debt with a December 2025 issuance, executed a public equity offering and balance sheet restructuring in late 2024, and repurchased 336,869 shares at an average of $31.98 in Q4 2025. The quarterly cash dividend was raised by $0.01 to $0.32 per common share in February 2026.
Financial Institutions, Inc. presents its 2026 proxy statement and calls a virtual annual shareholder meeting on May 20, 2026, to elect five directors, hold an advisory say‑on‑pay vote, and ratify RSM US LLP as auditor.
Management highlights strong 2025 performance, including net income available to common shareholders of $73.4 million, diluted EPS of $3.61, and return on average assets of 1.20%. Net interest margin reached 3.53%, expanding 67 basis points year over year, while net interest income reached a record level and noninterest income remained durable.
Tangible common book value per share rose nearly 14% to $27.84 as of December 31, 2025. The company refinanced subordinated debt with a December 2025 issuance, executed a public equity offering and balance sheet restructuring in late 2024, and repurchased 336,869 shares at an average of $31.98 in Q4 2025. The quarterly cash dividend was raised by $0.01 to $0.32 per common share in February 2026.
Financial Institutions Inc: The Vanguard Group filed an amendment on a Schedule 13G to report beneficial ownership changes following an internal realignment. The filing reports Amount beneficially owned: 0 and Percent of class: 0. The filing explains subsidiaries will report ownership separately in reliance on SEC Release No. 34-39538 dated January 12, 1998.
Financial Institutions Inc: The Vanguard Group filed an amendment on a Schedule 13G to report beneficial ownership changes following an internal realignment. The filing reports Amount beneficially owned: 0 and Percent of class: 0. The filing explains subsidiaries will report ownership separately in reliance on SEC Release No. 34-39538 dated January 12, 1998.
FINANCIAL INSTITUTIONS INC Chief Financial Officer William Jack Plants II exercised restricted stock units and received common shares as equity compensation. On March 20, 2026, 2,898 restricted stock units converted into 2,898 shares of common stock, with 1,044 shares withheld at $30.59 per share to cover tax obligations.
After these transactions, he held 8,013 common shares directly, plus 1,813 shares in a 401(k) plan and 4,937 shares in an IRA, all related to FINANCIAL INSTITUTIONS INC. There were no remaining restricted stock units reported after this exercise.
FINANCIAL INSTITUTIONS INC Chief Financial Officer William Jack Plants II exercised restricted stock units and received common shares as equity compensation. On March 20, 2026, 2,898 restricted stock units converted into 2,898 shares of common stock, with 1,044 shares withheld at $30.59 per share to cover tax obligations.
After these transactions, he held 8,013 common shares directly, plus 1,813 shares in a 401(k) plan and 4,937 shares in an IRA, all related to FINANCIAL INSTITUTIONS INC. There were no remaining restricted stock units reported after this exercise.
FINANCIAL INSTITUTIONS INC executive Kevin B. Quinn, Chief Commercial Banking Officer, exercised 2,684 restricted stock units into common shares. The units converted on a one-for-one basis into 2,684 shares of FISI common stock.
To cover tax obligations, 967 common shares were disposed of at $30.59 per share through share withholding, which is not an open-market sale. After these transactions, Quinn directly holds 6,992 common shares and indirectly holds 47 shares through a 401(k) plan.
FINANCIAL INSTITUTIONS INC executive Kevin B. Quinn, Chief Commercial Banking Officer, exercised 2,684 restricted stock units into common shares. The units converted on a one-for-one basis into 2,684 shares of FISI common stock.
To cover tax obligations, 967 common shares were disposed of at $30.59 per share through share withholding, which is not an open-market sale. After these transactions, Quinn directly holds 6,992 common shares and indirectly holds 47 shares through a 401(k) plan.
FINANCIAL INSTITUTIONS INC insider activity: Principal Accounting Officer Sandra L. Byers exercised 690 restricted stock units into 690 shares of common stock on March 20, 2026. The RSUs converted on a one-for-one basis with no cash exercise price.
After the transaction, Byers directly holds 2,150 shares of common stock. The filing shows an exercise and share acquisition only, with no reported share sales or tax-withholding dispositions, which is consistent with routine equity compensation vesting.
FINANCIAL INSTITUTIONS INC insider activity: Principal Accounting Officer Sandra L. Byers exercised 690 restricted stock units into 690 shares of common stock on March 20, 2026. The RSUs converted on a one-for-one basis with no cash exercise price.
After the transaction, Byers directly holds 2,150 shares of common stock. The filing shows an exercise and share acquisition only, with no reported share sales or tax-withholding dispositions, which is consistent with routine equity compensation vesting.
FINANCIAL INSTITUTIONS INC President & CEO Martin Kearney Birmingham exercised restricted stock units into common shares. On March 20, 2026 he converted 10,672 restricted stock units into an equal number of common shares, consistent with the one-for-one RSU terms.
To cover tax obligations, 3,847 common shares were withheld at $30.59 per share, leaving a net increase of 6,825 directly held shares. Following these transactions, he held 137,622 common shares directly, plus 7,500 shares in an IRA and 15,042 shares in a 401(k) plan. No derivative awards remain from this RSU grant.
FINANCIAL INSTITUTIONS INC President & CEO Martin Kearney Birmingham exercised restricted stock units into common shares. On March 20, 2026 he converted 10,672 restricted stock units into an equal number of common shares, consistent with the one-for-one RSU terms.
To cover tax obligations, 3,847 common shares were withheld at $30.59 per share, leaving a net increase of 6,825 directly held shares. Following these transactions, he held 137,622 common shares directly, plus 7,500 shares in an IRA and 15,042 shares in a 401(k) plan. No derivative awards remain from this RSU grant.
Financial Institutions Inc Chief Human Resources Officer Laurie R. Collins reported routine equity compensation activity. She exercised 2,254 restricted stock units, which converted into the same number of common shares on a one-for-one basis. To cover tax obligations, 812 common shares were withheld at $30.59 per share.
Following these transactions, Collins directly holds 7,669 shares of common stock and also has 726 shares held indirectly in a 401(k) plan. No derivative securities remain from this restricted stock unit award, making this a standard vesting and tax-settlement event rather than an open‑market trade.
Financial Institutions Inc Chief Human Resources Officer Laurie R. Collins reported routine equity compensation activity. She exercised 2,254 restricted stock units, which converted into the same number of common shares on a one-for-one basis. To cover tax obligations, 812 common shares were withheld at $30.59 per share.
Following these transactions, Collins directly holds 7,669 shares of common stock and also has 726 shares held indirectly in a 401(k) plan. No derivative securities remain from this restricted stock unit award, making this a standard vesting and tax-settlement event rather than an open‑market trade.
Financial Institutions Inc.’s Chief Financial Officer, William Jack Plants II, bought 660 shares of common stock in an open‑market purchase at $30.119 per share. After this transaction, he directly owns 6,159 common shares.
He also has indirect holdings reported as 1,700 shares held in a 401(k) plan and 4,937 shares held in an IRA, providing additional retirement‑focused exposure to the company’s stock.
Financial Institutions Inc.’s Chief Financial Officer, William Jack Plants II, bought 660 shares of common stock in an open‑market purchase at $30.119 per share. After this transaction, he directly owns 6,159 common shares.
He also has indirect holdings reported as 1,700 shares held in a 401(k) plan and 4,937 shares held in an IRA, providing additional retirement‑focused exposure to the company’s stock.