Financial Institutions, Inc. (FISI) Q4 2025 Earnings Call Transcript

Operator

Hello, everyone, and thank you for joining the Financial Institutions, Inc. Fourth Quarter and Year-End 2025 Earnings Call. My name is Lucy, and I’ll be coordinating your call today.

[Operator Instructions]

It is now my pleasure to hand over to your host, Kate Croft, Director of Investor Relations, to begin. Please go ahead.

Kate Croft
Director of Investor & External Relations

Thank you for joining us for today’s call. Providing prepared comments will be President and CEO, Marty Birmingham; and CFO, Jack Plants. They’ll be joined by additional members of the company’s leadership team during the question-and-answer session. Today’s prepared comments and Q&A will include forward-looking statements. Actual results may differ materially from forward-looking statements due to a variety of risks, uncertainties and other factors. We refer you to yesterday’s earnings release and investor presentation as well as historical SEC filings, which are available on our Investor Relations website for our safe harbor description and a detailed discussion of the risk factors relating to forward-looking statements.

We will also discuss certain non-GAAP financial measures intended to supplement and not substitute for comparable GAAP measures. Non-GAAP to GAAP reconciliations can be found in the earnings release filed in an exhibit to Form 8-K or in our latest investor presentation available on our IR website, www.fisi-investors.com.

Please note that this call includes information that may only be accurate as of today’s date, January 30, 2026. I will now turn the call