Exhibit 99.1 FINANCIAL INSTITUTIONS, INC. ANNOUNCES FIRST QUARTER 2024 RESULTS WARSAW, N.Y., April 25, 2024 – Financial Institutions, Inc. (NASDAQ: FISI) (the "Company," "we" or "us"), parent company of Five Star Bank (the "Bank") and Courier Capital, LLC ("Courier Capital"), today reported financial and operational results for the first quarter ended March 31, 2024. Net income was $2.1 million in the first quarter of 2024, compared to $9.8 million in the fourth quarter of 2023 and $12.1 million in the firs ...

WARSAW, N.Y., March 14, 2024 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (NASDAQ:FISI) (the "Company"), the parent company of Five Star Bank (the "Bank"), SDN Insurance Agency, LLC and Courier Capital, LLC, today announced that Wednesday, June 5, has been established as the date of its 2024 Annual Meeting of Shareholders. The meeting will be held in a virtual format only, via live webcast, beginning at 10:00 am Eastern Time. The record date for voting at the Annual Meeting will be April 10, 2024. Furth ...

- 24 - Table of Contents The value of our goodwill and other intangible assets may decline in the future. - 26 - We may be unable to successfully implement our growth strategies, including the integration and successful management of newly-acquired businesses. Our current growth strategy is multi-faceted. We seek to expand our branch network into nearby areas, continue to invest in our digital banking strategy, develop new sustainable revenue streams through BaaS, make strategic acquisitions of loans, portf ...

Financial institutions’ net income dropped 43.9% in the fourth quarter of 2023.The net income of commercial banks and savings institutions insured by the Federal Deposit Insurance Corp. (FDIC) totaled $38.4 billion in the fourth quarter of 2023, down $30 billion from the previous quarter, the FDIC said in a Thursday (March 7) press release.Their net income for the full year was down 2.3%, or $6 billion, compared to 2022, according to the release.The quarter-to-quarter drop was driven by nonrecurring, nonint ...

Financial Institutions, Inc. (NASDAQ:FISI) Q4 2023 Earnings Conference Call January 26, 2024 8:00 AM ET Company Participants Kate Croft - Director of Investor Relations Martin Birmingham - President & CEO Jack Plants - Executive Vice President and Chief Financial Officer Reid Whiting - Chief Banking Officer Conference Call Participants Nicholas Cucharale - Hovde Group Damon DelMonte - Keefe Bruyette & Woods, Inc. Alexander Twerdahl - Piper Sandler Companies Matthew Breese - Stephens, Inc. Operator Thank you ...

Investor Presentation Financial Institutions, Inc. Overview of Financial Institutions, Inc. ◦ SDN Insurance Agency, LLC • Financially stable geography, with 49 banking locations1in 14 contiguous Upstate New York counties, as well as commercial loan production offices serving the Mid-Atlantic and Central New York regions $328M Market cap $4.5B 1 48 branches and 1 motor branch in Olean, NY Note: Information on this slide is as of December 31, 2023 unless noted otherwise 10.2% Why FISI • Results-driven communi ...

Supplemental cash flow information is summarized as follows for the nine months ended September 30, 2023 and 2022 (in thousands): | --- | --- | --- | --- | --- | |--------------------------------------------------------------------------------|-------|--------|-------|--------| | | | | | | | Supplemental information: | | | | | | Cash paid for interest | $ | 95,913 | $ | 15,613 | | Cash paid for income taxes | | 6,298 | | 1,128 | | Noncash investing and financing activities: | | | | | | Real estate and other ...

Financial Institutions, Inc. (NASDAQ:FISI) Q3 2023 Earnings Conference Call October 27, 2023 8:30 AM ET Company Participants Kate Croft - Director of Investor Relations Martin Birmingham - President & CEO Jack Plants - Executive Vice President and Chief Financial Officer Sean Willett - Executive Vice President and Chief Administrative Officer Conference Call Participants Nicholas Cucharale - Hovde Group Damon DelMonte - Keefe Bruyette & Woods, Inc. Alexander Twerdahl - Piper Sandler Companies Matthew Breese ...

FINANCIAL INSTITUTIONS, INC. Form 10-Q For the Quarterly Period Ended June 30, 2023 Table of Contents FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES Consolidated Statements of Financial Condition (Unaudited) See accompanying notes to the consolidated financial statements. Table of Contents 5 | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |------------------------------------------------------------------------------|--------------------------------|-------|------------- ...

Financial Institutions, Inc. (NASDAQ:FISI) Q2 2023 Earnings Conference Call July 28, 2023 8:30 AM ET Company Participants Kate Croft - Director of Investor Relations Marty Birmingham - President & Chief Executive Officer Jack Plants - Chief Financial Officer Sean Willett - Executive Vice President & Chief Administrative Officer Conference Call Participants Damon DelMonte - KBW Alex Twerdahl - Piper Sandler Nick Cucharale - Hovde Group Matthew Breese - Stephens Inc Operator Good morning, everyone, and welcom ...