What SEC filings does Financial Institutions, Inc. submit to the SEC?

Financial Institutions, Inc. (FISI) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about FISI?

A Form 4 for FISI discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Financial Institutions, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for FISI?

The 10-K is Financial Institutions, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all FISI SEC filings directly on EDGAR?

You can view all historical Financial Institutions, Inc. filings on the SEC EDGAR company page for FISI. Each filing card on this page links directly to the original SEC document.

How often does Financial Institutions, Inc. file with the SEC?

Financial Institutions, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling FISI shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

FISI SEC Filing News — Financial Institutions, Inc.

Latest SEC filings for Financial Institutions, Inc. (FISI) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-09-28.

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loan…

Sector: Financial Services Industry: Banks - Regional Market Cap: $773.1M

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

Rule-based classifications for FISI currently lean bullish. Of the 20 displayed SEC filing records, 1 carry bullish classifications versus 0 bearish classifications. These labels summarize filing attributes; they are not recommendations, probabilities, or evidence of future price direction. There were 14 insider transactions (Form 4) in this period.

FISI Filing Activity Snapshot 2026-05-20 — 2026-09-28

Insider Transactions (Form 4)

1 buy vs 0 sells

Net insider buying in this period — more purchases than sales reported.

Largest Form 144 Filing

$24.8K

Zupan Mark (Director) · 2026-09-03

608 shares · Form 4

Insider Transactions 14 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 14 filings in this group are Form 4s for Financial Institutions, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 14 insider filings shown, the breakdown is 12 compensation award, 1 option exercise and 1 open-market purchase. 1 of them involved a discretionary open-market trade; the rest are compensation and administrative mechanics.

What each transaction type means

Compensation award ×12: Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.
Option exercise ×1: The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.
Open-market purchase ×1: The insider bought shares on the open market with their own money. This is the only Form 4 category that requires a discretionary cash outlay at the prevailing price.

Form 4 Option exercise Tax / Compensation Filing 2026-09-28

FISI insider Form 4 filed for equity award, exercise, or tax withholding

JONES BLAKE G (Chief Marketing Officer) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

The insider converted options into shares. The exercise price was fixed when the options were granted, so the timing usually tracks an expiry schedule.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	1,000	—	—
`F`	Tax withholding on vested shares	360	$40.23	$14.5K
`M`	Option exercise derivative · Restricted Stock Unit	1,000	—	—

Filing: Form 4 (Insider Transaction) Insider: JONES BLAKE G (Chief Marketing Officer) Shares: 1,360

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market purchase Insider Buying 2026-09-03

FISI insider Zupan Mark (Director) bought 608 shares (~$24.8K)

Zupan Mark, listed as Director at FINANCIAL INSTITUTIONS INC, reported an open-market purchase of 608 FISI shares in a Form 4 filing. Insider buying is often treated as a bullish signal because company insiders are committing their own capital.

The insider bought shares on the open market with their own money. This is the only Form 4 category that requires a discretionary cash outlay at the prevailing price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`P`	Open-market purchase	608	$40.77	$24.8K

Filing: Form 4 (Insider Transaction) Insider: Zupan Mark (Director) Shares: 608 Est. Value: $24.8K

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

HOLLIDAY SUSAN R (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: HOLLIDAY SUSAN R (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

DORN ANDREW W JR (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: DORN ANDREW W JR (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

VanGelder Kim E (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: VanGelder Kim E (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

HARTING BRUCE W (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: HARTING BRUCE W (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Zupan Mark (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: Zupan Mark (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Burlew Dawn H (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—
`A`	Compensation award	313	$35.10	$11.0K

Filing: Form 4 (Insider Transaction) Insider: Burlew Dawn H (Director) Shares: 1,595

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

PANZARELLA ANGELA J (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—
`A`	Compensation award	925	$35.10	$32.5K

Filing: Form 4 (Insider Transaction) Insider: PANZARELLA ANGELA J (Director) Shares: 2,207

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Latella Robert N (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: Latella Robert N (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Glaser Robert M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: Glaser Robert M (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Bovenzi David (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—
`A`	Compensation award	391	$35.10	$13.7K

Filing: Form 4 (Insider Transaction) Insider: Bovenzi David (Director) Shares: 1,673

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Schrader Robert L. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—

Filing: Form 4 (Insider Transaction) Insider: Schrader Robert L. (Director) Shares: 1,282

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-05-21

FISI insider Form 4 filed for equity award, exercise, or tax withholding

Finch Steven C. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	1,282	—	—
`A`	Compensation award	391	$35.10	$13.7K

Filing: Form 4 (Insider Transaction) Insider: Finch Steven C. (Director) Shares: 1,673

View on SEC EDGAR → Open Filing Document →

Material Events 5 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There are 5 in this period for Financial Institutions, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-09-08

FISI filed 8-K — material company event

FINANCIAL INSTITUTIONS INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-08-26

FISI filed 8-K — material company event

FINANCIAL INSTITUTIONS INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-07-23

FISI filed 8-K — material company event

FINANCIAL INSTITUTIONS INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-05-21

FISI filed 8-K — material company event

FINANCIAL INSTITUTIONS INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Form 8-K Material Company Update 2026-05-20

FISI filed 8-K — material company event

FINANCIAL INSTITUTIONS INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Periodic Reports 1 · Forms 10-K and 10-Q

The periodic reports are where the audited and reviewed financial statements live. This period contains 1 quarterly report (10-Q) for Financial Institutions, Inc.

The two are not equivalent in weight. A 10-K is audited by an external firm and includes the full risk factor disclosure, business description and management discussion; a 10-Q is unaudited, reviewed rather than examined, and much shorter. When a figure in a quarterly report is later revised, the annual report is usually where the correction appears.

An amended report — 10-K/A or 10-Q/A — restates or corrects something in the original filing, and is worth reading against the version it replaces.

Form 10-Q Quarterly Report 2026-08-03

FISI filed Quarterly Report (10-Q)

FINANCIAL INSTITUTIONS INC filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

How we classify Financial Institutions, Inc.'s filings

Straight from EDGAR

Each displayed record links to an original source document. StrongBuyAnalytics provides navigation and brief excerpts or summaries, not the filing itself. Parsing may omit context or contain errors, so read the original document in full.

Transaction codes, not guesswork

The nature shown on each insider filing comes from the transaction code the filer entered on the form itself — P for an open-market purchase, A for a compensation award, F for shares withheld to pay tax, M for an option exercise. Where one filing contains several codes, the transaction table lists them line by line.

Why the distinction matters

Insider activity is routinely summarised as buying or selling, which flattens together decisions that mean very different things. Shares withheld for tax on a vesting grant are an automatic administrative step; shares bought on the open market are someone committing their own money at the current price.

What this page does not tell you

A filing records what happened, not why. Form 4 does not always disclose whether a sale was executed under a pre-arranged Rule 10b5-1 plan, and no single filing is a basis for a decision on FISI. Read these alongside the fundamentals rather than in isolation.

Frequently Asked Questions — FISI SEC Filings

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FISI Full Analysis

Publisher, sources & limitations — September 15, 2026. StrongBuyAnalytics provides navigation and brief excerpts or summaries for educational use. Original filings remain at SEC EDGAR or other displayed source links; StrongBuyAnalytics does not author them. Filing dates are source dates, not publication dates for this page. Coverage can be delayed, incomplete, amended, or unavailable because of SEC/source availability, parsing, caching, or outages. Verify every material statement in the original filing.

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