Financial Institutions, Inc. (FISI) Q4 2024 Earnings Call Transcript

Financial Institutions, Inc. (NASDAQ:FISI) Q4 2024 Earnings Conference Call January 31, 2025 8:30 AM ET

Company Participants

Kate Croft – Director of IR
Martin Birmingham – President and CEO
Jack Plants – CFO

Conference Call Participants

Damon DelMonte – KBW
Tyler Cacciatori – Stephens
Frank Schiraldi – Piper Sandler

Operator

Hello, everyone, and welcome to the Financial Institutions, Inc. Fourth Quarter and Year-end 2024 Earnings Call. My name is Chach, and I’ll be coordinating your call today. [Operator Instructions]

I’d now like to hand over to your host, Kate Croft, Director of Investor Relations, to begin. Please go ahead.

Kate Croft

Thank you for joining us for today’s call. Providing prepared comments will be President and CEO, Marty Birmingham; and CFO, Jack Plants. He will 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 a safe harbor description and a detailed discussion of the risk factors relating to forward-looking statements. We’ll also discuss certain non-GAAP financial measures intended to supplement and not substitute for comparable GAAP measures.

Reconciliations of these measures to GAAP financial measures were provided in the earnings release filed as an exhibit to Form 8-K or in our latest investor presentation available on our IR website, www.sisi-investors.com. Please note this call includes information that may only be accurate as of today’s date, January 31, 2025.

I’ll now turn the call over to President and CEO, Marty Birmingham.

Martin Birmingham

Thank you, Kate. Good morning, everyone, and thank you for joining us today.