# EDGAR Filing Document

**Accession Number:** 0000862831
**File Stem:** 0000950170-25-111189
**Filing Date:** 2025-8
**Character Count:** 6912
**Document Hash:** 7ffa93f21c9b03badc524c21e545f409
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950170-25-111189.hdr.sgml**: 20250825

**ACCESSION NUMBER**: 0000950170-25-111189

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20250825

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250825

**DATE AS OF CHANGE**: 20250825

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FINANCIAL INSTITUTIONS INC
- **CENTRAL INDEX KEY:** 0000862831
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 160816610
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-26481
- **FILM NUMBER:** 251250931

**BUSINESS ADDRESS:**
- **STREET 1:** 220 LIBERTY STREET
- **CITY:** WARSAW
- **STATE:** NY
- **ZIP:** 14569
- **BUSINESS PHONE:** 5857861100

**MAIL ADDRESS:**
- **STREET 1:** 220 LIBERTY STREET
- **CITY:** WARSAW
- **STATE:** NY
- **ZIP:** 14569

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** August 25, 2025<br>

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Financial Institutions, Inc.

![img40785856_0.jpg](img40785856_0.jpg)

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| New York | 0-26481 | 16-0816610 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 220 Liberty Street |  |  |
| Warsaw**,** New York |  | 14569 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** 585 786-1100<br>

Not Applicable

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common stock, par value $0.01 per share | FISI | Nasdaq Global Select Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.
Financial Institutions, Inc. (the "Company") issued a press release announcing the declaration of a cash dividend of $0.31 per common share on August 25, 2025. The Company also announced dividends of $0.75 per share on Series A 3% Preferred Stock and $2.12 per share on Series B-1 8.48% Preferred Stock. All dividends are payable October 2, 2025 to shareholders of record as of September 15, 2025.

The press release issued by the Company is furnished as Exhibit 99.1 to this Form 8-K pursuant to Item 7.01 of Form 8-K and shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 ("Exchange Act"), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, of the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

## Item 9.01 Financial Statements and Exhibits.
(d) <u>Exhibits</u>.

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| | | |
|:---|:---|:---|
| **Exhibit**<br>**Number** | **Description**  | **Location** |
| 99.1 | [<u>Press Release issued by Financial Institutions, Inc. on August 25, 2025</u>](fisi-ex99_1.htm) | Filed Herewith |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |  |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | Financial Institutions, Inc. |
| Date: | August 25, 2025 | By:  | /s/ W. Jack Plants, II  |
|  |  |  | **W. Jack Plants, II<br>Executive Vice President, Chief Financial Officer<br>&nbsp;&nbsp;&nbsp;&nbsp; and Treasurer** |

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## Exhibit 99.1

![img145321324_0.jpg](img145321324_0.jpg)

**Financial Institutions, Inc. Announces Quarterly Cash Dividend**

WARSAW, N.Y., August 25, 2025 — Financial Institutions, Inc. (Nasdaq: FISI) (the "Company"), parent company of Five Star Bank and Courier Capital, LLC, announced today that its Board of Directors has approved a quarterly cash dividend of $0.31 per outstanding common share.

The Company also announced dividends of $0.75 per share on its Series A 3% preferred stock and $2.12 per share on its Series B-1 8.48% preferred stock.

All dividends are payable October 2, 2025, to shareholders of record on September 15, 2025.

**About Financial Institutions, Inc.**<br> Financial Institutions, Inc. (NASDAQ: FISI) is a financial holding company with approximately $6.1 billion in assets as of June 30, 2025, offering banking and wealth management products and services. Its Five Star Bank subsidiary provides consumer and commercial banking and lending services to individuals, municipalities and businesses through banking locations spanning Western and Central New York and a commercial loan production office serving the Mid-Atlantic region. Courier Capital, LLC offers customized investment management, financial planning and consulting services to individuals and families, businesses, institutions, non-profits and retirement plans. Learn more at Five-StarBank.com and FISI-Investors.com.

**For additional information contact:**

Kate Croft

Director of Investor and External Relations

(716) 817-5159

klcroft@five-starbank.com

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