Financial Institutions Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Financial Institutions Inc (FISI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Financial Institutions Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 243M vs 1,250,909M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.6% annualized vs trailing 12 months), vs accelerating (+2.7%) for its tracked peer group.
- Growth: Financial Institutions Inc generated 7.1% revenue growth year over year in Q2 2026, vs 14.2% for its competitors combined.
- Profitability: Its 34.6% net margin compares with 25.6% for the peer group.
- Scale: Financial Institutions Inc ranks #57 of 84 companies by market capitalization in the Commercial Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Financial Institutions Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.39M compares with $0.63M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FISI Sales vs. its Competitors, Q2 2026
Financial Institutions Inc reported revenue growth of 7.05 % year on year in Q2 2026, below its competitors' combined revenue growth of 14.21 %.
With a net margin of 34.61 %, Financial Institutions Inc achieved higher profitability than its competitors (25.61 %).
Financial Institutions Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
API endpoints for this dataset
Financial Institutions Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Financial Institutions Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Financial Institutions Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Financial Institutions Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Financial Institutions Inc's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue -5.7% year over year, combined, vs 7.1% for Financial Institutions Inc. Financial Institutions Inc's share of combined industry revenue moved from 0.02% to 0.02%, a gain of 0.00 percentage points.
Financial Institutions Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Financial Institutions Inc | Yes | Yes | Yes | No |
| Competitors combined (311) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FISI Stock Performance relative to its Competitors
FISI Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Agba Acquisition Ltd | 282.9% | Outperformed |
| 2 | Lument Finance Trust Inc | 282.9% | Outperformed |
| 3 | Brookline Bancorp inc | 282.9% | Outperformed |
| 4 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 5 | Old Point Financial Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Financial Institutions Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Financial Institutions Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Financial Institutions Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Financial Institutions Inc |
792.26 | 243.46 |
 Jpmorgan Chase and Co |
897,436.67 | 190,733.00 |
 Bank Of America Corporation |
356,921.12 | 122,968.00 |
 Wells Fargo and Company |
256,142.91 | 85,055.00 |
 American Express Company |
216,347.26 | 103,594.00 |
 Citigroup inc |
206,640.54 | 91,360.00 |
| SUBTOTAL | 3,913,188.06 | 1,344,185.21 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Financial Institutions Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Financial Institutions Inc's Competitors Named by the Company
Competitive relationships identified from Financial Institutions Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Burke and Herbert Financial Services Corp | Company report | 85% |
| Green Dot Corp | Company report | 85% |
| Enact Holdings Inc | Company report | 85% |
| The First Bancshares Inc | Company report | 85% |
| Optimumbank Holdings Inc | Company report | 85% |
| Chimera Investment Corporation | Company report | 85% |
| Loandepot Inc | Company report | 85% |
| Cme Group Inc | Company report | 85% |
| Merchants Bancorp | Company report | 85% |
| Bok Financial Corp | Company report | 85% |
| Goosehead Insurance Inc | Company report | 85% |
| American International Group Inc | Company report | 85% |
| First Financial Northwest Inc | Company report | 85% |
| Blue Owl Capital Inc | Company report | 85% |
| Mr Cooper Group Inc | Company report | 85% |
| Mfa Financial inc | Company report | 85% |
| First Busey Corporation | Company report | 85% |
| Horizon Bancorp Inc | Company report | 85% |
| Ameriprise Financial Inc | Company report | 85% |
| Federal Home Loan Bank Of Des Moines | Company report | 85% |
| Codorus Valley Bancorp Inc | Company report | 85% |
| Mvb Financial Corp | Company report | 85% |
| Credit Acceptance Corp | Company report | 85% |
| Hennessy Advisors Inc | Company report | 85% |
| Athene Holding Ltd | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| American Express Company | Company report | 85% |
| Finward Bancorp | Company report | 85% |
| Eastern Bankshares Inc | Company report | 85% |
| Northrim Bancorp Inc | Company report | 85% |
| Colony Bankcorp inc | Company report | 85% |
| First Internet Bancorp | Company report | 85% |
| Baycom Corp | Company report | 85% |
| First United Corporation | Company report | 85% |
| Empire State Realty Op L p | Company report | 85% |
| Adamas Trust Inc | Company report | 85% |
| Cim Real Estate Finance Trust Inc | Company report | 85% |
| Juniata Valley Financial Corp | Company report | 85% |
| Bankfinancial Corp | Company report | 85% |
| Generations Bancorp Ny Inc | Company report | 85% |
| Associated Capital Group Inc | Company report | 85% |
| First Business Financial Services Inc | Company report | 85% |
| Op Bancorp | Company report | 85% |
| City Holding Company | Company report | 85% |
| Landmark Bancorp Inc | Company report | 85% |
| Open Lending Corporation | Company report | 85% |
| Bimini Capital Management Inc | Company report | 85% |
| U S Global Investors Inc | Company report | 85% |
| Agnc Investment Corp | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Old Second Bancorp Inc | Company report | 85% |
| Clipper Realty Inc | Company report | 85% |
| Cohen and Co Inc | Company report | 85% |
| Mercury General Corporation | Company report | 85% |
| Brightspire Capital Inc | Company report | 85% |
| Home Bancorp Inc | Company report | 85% |
| Amalgamated Financial Corp | Company report | 85% |
| Federated Hermes Inc | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Mid Penn Bancorp Inc | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Hamilton Lane Incorporated | Company report | 85% |
| Artisan Partners Asset Management Inc | Company report | 85% |
| Finwise Bancorp | Company report | 85% |
| Citizens Community Bancorp Inc | Company report | 85% |
| National Bankshares Inc | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| Hope Bancorp Inc | Company report | 85% |
| Atlantic Union Bankshares Corporation | Company report | 85% |
| Fncb Bancorp Inc | Company report | 85% |
| Banner Corporation | Company report | 85% |
| Firstsun Capital Bancorp | Company report | 85% |
| Eagle Bancorp Inc | Company report | 85% |
| Northwest Bancshares inc | Company report | 85% |
| Coastal Financial Corporation | Company report | 85% |
| Invesco Ltd | Company report | 85% |
| Beneficient | Company report | 85% |
| German American Bancorp Inc | Company report | 85% |
| Alliancebernstein Holding L p | Company report | 85% |
| Evercore Inc | Company report | 85% |
| Old National Bancorp | Company report | 85% |
| Citizens Financial Group Inc | Company report | 85% |
| Kearny Financial Corp | Company report | 85% |
| Bankunited inc | Company report | 85% |
| Guild Holdings Company | Company report | 85% |
| Aflac Incorporated | Company report | 85% |
| First Bancorp | Company report | 85% |
| Oportun Financial Corporation | Company report | 85% |
| Citizens Holding Company | Company report | 85% |
| Lument Finance Trust Inc | Company report | 85% |
| Cohen and Steers Inc | Company report | 85% |
| Mercantile Bank Corporation | Company report | 85% |
| Bridge Investment Group Holdings Inc | Company report | 85% |
| Ha Sustainable Infrastructure Capital Inc | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| First Guaranty Bancshares Inc | Company report | 85% |
| Central Pacific Financial Corp | Company report | 85% |
| Mainstreet Bancshares Inc | Company report | 85% |
| Bankwell Financial Group Inc | Company report | 85% |
| Heritage Financial Corp | Company report | 85% |
| Amerant Bancorp Inc | Company report | 85% |
| Federal Home Loan Bank Of Topeka | Company report | 85% |
| Community West Bancshares | Company report | 85% |
| Northfield Bancorp Inc | Company report | 85% |
| Carter bankshares inc | Company report | 85% |
| Vaneck Bitcoin Etf | Company report | 85% |
| Atlanticus Holdings Corp | Company report | 85% |
| F and m Bank Corp | Company report | 85% |
| Bank Of America Corporation | Company report | 85% |
| Finance Of America Companies Inc | Company report | 85% |
| Enterprise Bancorp inc | Company report | 85% |
| Nsts Bancorp Inc | Company report | 85% |
| Cb Financial Services Inc | Company report | 85% |
| Independent Bank Corp | Company report | 85% |
| Brandywine Realty Trust | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Essent Group Ltd | Company report | 85% |
| Brookfield Oaktree Holdings Llc | Company report | 85% |
| Crossfirst Bankshares inc | Company report | 85% |
| Keycorp | Company report | 85% |
| Business First Bancshares Inc | Company report | 85% |
| Gcm Grosvenor Inc | Company report | 85% |
| Ares Commercial Real Estate Corporation | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Oppfi Inc | Company report | 85% |
| Chemung Financial Corp | Company report | 85% |
| Lazard Inc | Company report | 85% |
| Comerica Incorporated | Company report | 85% |
| Middlefield Banc Corp | Company report | 85% |
| Bank Of Marin Bancorp | Company report | 85% |
| Great Southern Bancorp inc | Company report | 85% |
| Ashford Hospitality Trust Inc | Company report | 85% |
| First Community Corporation | Company report | 85% |
| Oak Valley Bancorp | Company report | 85% |
| Columbia Banking System Inc | Company report | 85% |
| Meten Holding Group Ltd | Company report | 85% |
| Sierra Bancorp | Company report | 85% |
| Hills Bancorporation | Company report | 85% |
| American National Bankshares Inc | Company report | 85% |
| Federal Home Loan Bank Of Cincinnati | Company report | 85% |
| Cousins Properties Inc | Company report | 85% |
| Midland States Bancorp Inc | Company report | 85% |
| Camden National Corp | Company report | 85% |
| Hmn Financial Inc | Company report | 85% |
| Apollo Commercial Real Estate Finance Inc | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| First Northwest Bancorp | Company report | 85% |
| Discover Financial Services | Company report | 85% |
| Nexpoint Real Estate Finance Inc | Company report | 85% |
| Chubb Limited | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| Equitable Financial Life Insurance Company | Company report | 85% |
| California Bancorp Ca | Company report | 85% |
| Fulton Financial Corp | Company report | 85% |
| Equitable Holdings Inc | Company report | 85% |
| Nexpoint Diversified Real Estate Trust | Company report | 85% |
| Cnb Financial Corp | Company report | 85% |
| Janus Henderson Group Plc | Company report | 85% |
| Bread Financial Holdings Inc | Company report | 85% |
| Glacier Bancorp Inc | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| Orion Properties Inc | Company report | 85% |
| Cullen | Company report | 85% |
| Ladder Capital Corp | Company report | 85% |
| Lakeland Financial Corporation | Company report | 85% |
| Blue Foundry Bancorp | Company report | 85% |
| Granite Point Mortgage Trust Inc | Company report | 85% |
| Agba Acquisition Ltd | Company report | 85% |
| First Capital inc | Company report | 85% |
| Orrstown Financial Services Inc | Company report | 85% |
| Columbia Financial Inc | Company report | 85% |
| Capital one financial corp | Company report | 85% |
| Macatawa Bank Corp | Company report | 85% |
| Brookline Bancorp inc | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| Alti Global Inc | Company report | 85% |
| First Hawaiian Inc | Company report | 85% |
| Corebridge Financial Inc | Company report | 85% |
| Midwestone Financial Group Inc | Company report | 85% |
| The Baldwin Insurance Group Inc | Company report | 85% |
| Houlihan Lokey Inc | Company report | 85% |
| Aon Plc | Company report | 85% |
| First Horizon Corp | Company report | 85% |
| Citizens and Northern Corporation | Company report | 85% |
| Nicolet Bankshares Inc | Company report | 85% |
| CARV | Company report | 85% |
| Robinhood Markets Inc | Company report | 85% |
| Ames National Corporation | Company report | 85% |
| Fnb Corp | Company report | 85% |
| Bayfirst Financial Corp | Company report | 85% |
| Five Star Bancorp | Company report | 85% |
| Euronet Worldwide Inc | Company report | 85% |
| Northern Trust Corporation | Company report | 85% |
| Capital Bancorp Inc | Company report | 85% |
| Invesco Mortgage Capital Inc | Company report | 85% |
| Franklin Resources Inc | Company report | 85% |
| First National Corp | Company report | 85% |
| Empire State Realty Trust Inc | Company report | 85% |
| Ofg Bancorp | Company report | 85% |
| Capitol Federal Financial Inc | Company report | 85% |
| Kkr and co inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Financial Institutions Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Financial Institutions Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Chubb Limited | Segment Insurance North American Commercial P&C 31.46 % |
| Capital one financial corp | Credit Card 74.32 % |
| Aon Plc | Risk Capital 65.40 % |
| Aflac Incorporated | Aflac Japan 65.91 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Financial Institutions Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Financial Institutions Inc | 792 | 385,837 | 130,945 |
| Jpmorgan Chase and Co | 897,437 | 598,825 | 204,714 |
| Bank Of America Corporation | 356,921 | 577,315 | 150,793 |
| Wells Fargo and Company | 256,143 | 355,879 | 96,699 |
| American Express Company | 216,347 | 1,348,880 | 159,570 |
| Citigroup inc | 206,641 | 404,248 | 80,004 |
| PEERS TOTAL | 3,912,396 | 630,652 | 145,002 |
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Financial Institutions Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aon Plc | Europe, Middle East, and Africa, Other Than United Kingdom and Ireland 14.78 % |
| Franklin Resources Inc | United States 72.53 % |
| Invesco Ltd | Americas 75.67 % |
| Freedom Holding Corp | Kazakhstan 83.57 % |
| Houlihan Lokey Inc | United States 69.51 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
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Financial Institutions Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in Financial Institutions Inc's industry classification, broader than the peer set above. Market cap in millions of $.Financial Institutions Inc ranks #57 of 81 companies by market capitalization in its industry, holding 0.03 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,889, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 909,292 | 37.49 % |
| 2 | Bank Of America Corporation | 364,418 | 15.03 % |
| 3 | Wells Fargo and Company | 259,004 | 10.68 % |
| 4 | Citigroup inc | 207,265 | 8.55 % |
| 5 | Capital one financial corp | 1,234 | 5.2% |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Shinhan Financial Group Co Ltd | 1,234 | 5.2% |
| 10 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 57 | Financial Institutions Inc | 786 | 0.03 % |
Market cap and industry share for the rest of Financial Institutions Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Financial Institutions Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 52 | Farmers and Merchants Bancorp | 986 | - |
| 53 | Camden National Corp | 986 | 47.90 % |
| 54 | Hanmi Financial Corporation | 958 | 20.62 % |
| 55 | Alerus Financial Corp | 851 | 57.44 % |
| 56 | Smartfinancial Inc | 1,234 | 12.3% |
| 57 | Financial Institutions Inc | 786 | 34.88 % |
| 58 | Shore Bancshares Inc | 1,234 | 12.3% |
| 59 | Peoples Financial Services Corp | 1,234 | 12.3% |
| 60 | California Bancorp Ca | 1,234 | 12.3% |
| 61 | Capital Bancorp Inc | 1,234 | 12.3% |
| 62 | Arrow Financial Corporation | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Financial Institutions Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Financial Institutions Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 0.96 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 83.25 % | 0.23 % (avg) | +83.0 pp |
| Capital Intensity (Capex / Revenue) | 1.90 % | 0.98 % (avg) | +0.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Financial Institutions Inc's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 8.8x | 10.9x | -2.1x |
| EV / EBITDA | 4.4x | 5.2x | -0.8x |
| P/B | 1.1x | 1.6x | -0.5x |
| Return on Equity | 13.09 % | industry aggregate | 0.20 % |
| Return on Invested Capital | - | 0.00 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Financial Institutions Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 4.02 % | 15.53 % | 4.82 % | -4.48 % | 35.49 % | -0.03 % | -44.70 % | 110.65 % |
| Operating Margin | 32.44 % | 34.20 % | 36.62 % | 29.50 % | 46.30 % | - | - | - |
| Return on Invested Capital | 5.61 % | 6.23 % | 6.21 % | 4.37 % | 8.62 % | 0.97 % | 0.93 % | 6.01 % |
| P/E | 15.1x | 11.8x | 11.0x | 9.7x | 6.8x | 5.6x | - | 8.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Financial Institutions Inc's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Financial Institutions Inc falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution. A caveat worth reading alongside this chart: Jpmorgan Chase and Co alone holds 37% of this industry's market cap. In an industry this dominated by one leader, the framework will place nearly every OTHER company in "Dog" or "Question Mark" purely because relative share is measured against that leader, regardless of how strong those other companies actually are on their own fundamentals. Check the Profitability, Valuation and Financial Strength sections above before treating this quadrant label as a verdict.
Financial Institutions Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,889 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 1.90 % vs industry average 0.98 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Financial Institutions Inc's dedicated Suppliers and Customers pages, not here.
Financial Institutions Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Financial Institutions Inc falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Financial Institutions Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 11.3% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 37.49 % of industry market cap.
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Financial Institutions Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| American Express Company | 0.25 | 1.00 | 1.72 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Financial Institutions Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| American Express Company | Q3 2026 | -35.4 % | +27.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| PEERS TOTAL | +4.8 % | +8.9 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Financial Institutions Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| American Express Company | Q3 2026 | -23.5 % | +44.8 % |
| Citigroup inc | Q2 2026 | - | -11.6 % |
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Financial Institutions Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| American Express Company | 3.99% | 5.76% | 35.64% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Financial Institutions Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Financial Institutions Inc | 9.83 | 3.25 |
| Jpmorgan Chase and Co | 14.07 | 4.71 |
| Bank Of America Corporation | 11.79 | 2.90 |
| Wells Fargo and Company | 11.91 | 3.01 |
| American Express Company | 18.11 | 2.09 |
| Citigroup inc | 12.90 | 2.26 |
| PEERS AVERAGE | 12.66 | 2.91 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.