Every material Form 8-K FINANCIAL INSTITUTIONS INC has filed with the SEC since August 26, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Financial Institutions, Inc. reported net income available to common shareholders of $19.6 million, or $0.99 per diluted share, for the quarter ended September 30, 2026. That was down from $20.8 million, or $1.04 per share, in the second quarter and down 2.4% from $20.1 million in the third quarter of 2025, while net interest income rose to a new quarterly high of $54.3 million.
Net income available to common shareholders was $19.6 million, or $0.99 per diluted share, versus $20.8 million ($1.04) in Q2 2026 and $20.1 million ($0.99) in Q3 2025.
Net interest income was $54.3 million, up 4.8% from Q3 2025 and a new quarterly high.
Total noninterest income was $10.5 million, down 13.3% from Q3 2025, mainly due to lower swap fees and limited partnership losses.
Total loans reached $4.86 billion at September 30, 2026, up 5.8% year over year; the company repurchased 185,833 shares at an average price of $40.92.
Director Bruce W. Harting informed the board on September 1, 2026, that he is retiring from the Financial Institutions board and the board of its subsidiary Five Star Bank, effective immediately, to pursue outside interests. The filing says the decision did not result from any disagreement with the company, and the board shrinks from thirteen to twelve members, with a routine class rebalancing that leaves Chair Susan R. Holliday's role and compensation unchanged.
Bruce W. Harting retired from the Financial Institutions board and Five Star Bank board, effective immediately, as of September 1, 2026 notice.
Board size reduced from thirteen to twelve members.
Susan R. Holliday reclassified from the 2029 Class to the 2028 Class effective September 3, 2026, to balance class sizes; she remains Chair with no change to committee or compensation.
Each of the board's three classes now has four members.
Financial Institutions, Inc. (FISI) said its Board declared a quarterly cash dividend of $0.32 per common share on August 26, 2026, along with dividends on its Series A and Series B-1 preferred stock. The routine declaration sets a September 15, 2026 record date and an October 2, 2026 payment date for shareholders.
Common stock dividend: $0.32 per share, declared August 26, 2026
Series A 3% preferred stock dividend: $0.75 per share
Series B-1 8.48% preferred stock dividend: $2.12 per share
Payable October 2, 2026 to holders of record as of September 15, 2026
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every FINANCIAL INSTITUTIONS INC filing is on SEC EDGAR ↗. 8-K briefs of other companies →