Financial Highlights 7 Expense Management & Operating Leverage 23 Management Team 28 Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the objectives, plans or goals of the Company are forward-looking. These forward-lookin ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-26481 Financial Institutions, Inc. | --- | --- | |----------------------------------------- ...

Financial Institutions, Inc. (NASDAQ:FISI) Q1 2023 Earnings Conference Call April 27, 2023 8:30 AM ET Company Participants Kate Croft - Director of Investor Relations Marty Birmingham - President & Chief Executive Officer Jack Plants - Executive Vice President & Chief Financial Officer Sean Willett - Chief Administrative Officer Conference Call Participants Alex Twerdahl - Piper Sandler Erik Zwick - Hovde Group Matt Rank - KBW Operator Hello, everyone, and welcome to the Financial Institutions, Inc. First Q ...

Table of Contents Risks Related to Non-Banking Activities services industry and market volatility. Table of Contents The value of our goodwill and other intangible assets may decline in the future. Identifiable intangible assets other than goodwill consist of core deposit intangibles and other intangible assets (primarily customer relationships). Adverse events or circumstances could impact the recoverability of these intangible assets including loss of core deposits, significant losses of customer accounts ...

Financial Institutions, Inc. (NASDAQ:FISI) Q4 2022 Earnings Conference Call January 31, 2023 8:30 AM ET Company Participants Pamela Kennard - Investor Relations Analyst Marty Birmingham - President & Chief Executive Officer Jack Plants - Executive Vice President, Chief Financial Officer & Treasurer Conference Call Participants Alex Twerdahl - Piper Sandler Damon DelMonte - KBW Erik Zwick - Hovde Group Operator Hello, everyone and welcome to the Financial Institutions Fourth Quarter and Full Year 2022 Earnin ...

| --- | --- | --- | --- | --- | |----------------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | Investor | | | | | | Presentation Financial Institutions, Inc. (NASDAQ: FISI) Fourth Quarter 2022 Earnings Presentation January 30, 2023 | | | | | Company Overview 3 Revenue 20 Appendix 26 Securities and Deposits 18 Non-GAAP Reconciliation 29 Statements contained in this presentation whic ...

Rising to meet the challenge. FINANCIAL INSTITUTIONS, INC. (Nasdaq: FISI) Investor Presentation November 2021 Safe Harbor Statement Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the objectives, plans or goals of the Co ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-26481 Financial Institutions, Inc. (Exact name of registrant as specified in its charte ...

FINANCIAL INSTITUTIONS, INC. (Nasdaq: FISI) Third Quarter 2022 Earnings Presentation October 27, 2022 Safe Harbor Statement Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward- looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the objectives, plans or goals of the Company a ...

Financial Institutions, Inc. (NASDAQ:FISI) Q3 2022 Earnings Conference Call October 28, 2022 8:30 AM ET Company Participants Kate Croft - Director, IR & External Relations Marty Birmingham - President & CEO Jack Plants - CFO Justin Bigham - Community Banking Officer Sean Willett - CAO Mike Grover - Director of Financial Planning & Analysis Conference Call Participants Damon DelMonte - KBW Alex Twerdahl - Piper Sandler Erik Zwick - Hovde Group Operator Hello, and welcome to today's Financial Institutions, In ...