Key Highlights

• Financial Institutions' $0.32 quarterly Dividend trades with a September 15, 2026 record date, payable October 2, yielding approximately 3.94%.

• The dividend increased from $0.31 to $0.32 per share.

• Second-quarter Net Income was $21.184 million, up from $17.532 million a year earlier, with first-half net income of $42.169 million versus $34.410 million.

• The company also declared $0.75 per share on Series A preferred stock and $2.12 per share on Series B-1 preferred stock.

Financial Institutions' (NASDAQ:FISI) $0.32 quarterly dividend trades with a September 15 Record Date and October 2 payment date. Net income rose to $21.184 million from $17.532 million a year earlier, with first-half net income of $42.169 million versus $34.410 million.

Dividend Program and Shareholder Returns

Financial Institutions declared a $0.32 per share quarterly common dividend, payable October 2 to shareholders of record September 15. The annualized common dividend is $1.28 per share, up from $1.24 in 2025. The company also declared $0.75 per share on its Series A preferred stock and $2.12 per share on its Series B-1 preferred stock.

About the Company

Financial Institutions is the Parent Company of Five Star Bank and Courier Capital, combining traditional consumer and commercial banking with fee-based wealth-management services across Western and Central New York.

Financial Performance Behind the Payout

Financial Institutions reported second-quarter net income of $21.184 million, up from $17.532 million a year earlier. First-half net income was $42.169 million, versus $34.410 million a year earlier. At June 30, total Assets were approximately $6.3 billion, with $99.2 million of cash and cash equivalents, $910.5 million of securities available for sale and $79.3 million of securities held to maturity.

Outlook

Continued net interest Margin trends, deposit-cost competition, and whether the earnings-growth pace seen in the first half of 2026 continues through the back half of the year are the items relevant to the current dividend rate going forward.