FISI

Business Context and Reporting Period

Company: Financial Institutions, Inc. (FISI)
Filing Type: Form 8-K (Current Report)
Date of Report: August 25, 2025
Reporting Period: Event date of August 25, 2025
Business Context: The filing serves as a Regulation FD disclosure regarding the declaration of cash dividends for common and preferred shareholders.

Key Financial Metrics

This filing does not contain comprehensive financial statements, revenue, profit, cash flow, margins, debt, or liquidity metrics. The only financial data provided relates to dividend declarations:

• Common Stock Dividend: $0.31 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 report material changes to financial performance, operations, or capital structure compared to prior periods. The sole material event is the new declaration of dividends.

Guidance, Outlook, and Management Commentary

Dividend Payment Details:

• Record Date: September 15, 2025
• Payment Date: October 2, 2025

Management Commentary: The filing references a press release (Exhibit 99.1) but does not include specific management commentary, forward-looking guidance, risk factors, or contingencies within the text of this 8-K. The press release is furnished but not deemed "filed" for liability purposes under Section 18 of the Exchange Act.

Investor Verification Checklist

• Verify the record date of September 15, 2025, to ensure eligibility for the declared dividends.
• Confirm the payment date of October 2, 2025, for cash flow planning.
• Review the full text of the press release (Exhibit 99.1) for any additional context not summarized in the 8-K.
• Note that this filing does not provide updated financial performance data; refer to the most recent 10-Q or 10-K for revenue and earnings metrics.