FISI

Business Context and Reporting Period

Company: Financial Institutions, Inc. (FISI)
Filing Type: Form 8-K (Current Report)
Date of Report: May 20, 2026
Event Reported: Declaration of cash dividends by the Board of Directors on February 12, 2026.

Key Financial Metrics

This filing does not report revenue, profit, cash flow, margins, debt, or liquidity metrics. The document focuses exclusively on dividend declarations.

• Common Stock Dividend: $0.32 per share
• Series A 3% Preferred Stock Dividend: $0.75 per share
• Series B-1 8.48% Preferred Stock Dividend: $2.12 per share

Material Changes

The filing does not provide comparative financial data or discuss material changes in operating results versus prior periods. The primary material event is the formal declaration of the aforementioned dividends.

Guidance, Outlook, and Risks

Dividend Schedule:

• Record Date: June 12, 2026
• Payment Date: July 2, 2026

Management Commentary: The filing references a press release (Exhibit 99.1) but does not include specific management commentary, forward-looking guidance, or risk factors within the text of the 8-K itself.

Investor Verification Checklist

• Verify the record date of June 12, 2026, to ensure eligibility for the upcoming dividend payment.
• Confirm the payment date of July 2, 2026, for cash flow planning.
• Review the full text of the press release (Exhibit 99.1) for any additional context regarding the dividend declaration not included in this summary.
• Check subsequent filings for any updates to the dividend schedule or payment status.