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 1,140,074M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.6% annualized vs trailing 12 months), vs accelerating (+2.4%) for its tracked peer group.
- Growth: Financial Institutions Inc generated 7.1% revenue growth year over year in Q2 2026, vs 14.4% for its tracked competitors combined.
- Profitability: Its 34.6% net margin compares with 25.8% for the peer group.
- Scale: Financial Institutions Inc ranks #57 of 83 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 14.40 %.
With a net margin of 34.61 %, Financial Institutions Inc achieved higher profitability than its competitors (25.81 %).
Financial Institutions Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
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 an SEC filing; 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 44.1% year over year, combined, vs 7.1% for Financial Institutions Inc. Financial Institutions Inc's share of combined industry revenue moved from 0.03% to 0.02%, a loss of 0.01 percentage points.
Financial Institutions Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| 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 | Old Point Financial Corp | 282.9% | Outperformed |
| 4 | Mr Cooper Group Inc | 282.9% | Outperformed |
| 5 | Optimumbank Holdings Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Financial Institutions Inc's best-performing tracked 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 | 788.67 | 243.46 |
| Jpmorgan Chase and Co | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| American Express Company | 207,998.07 | 114,611.00 |
| SUBTOTAL | 3,939,517.91 | 1,337,019.02 |
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Sources: Financial Institutions Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
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 SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Cathay General Bancorp | Named by the company | 85% |
| Hope Bancorp Inc | Named by the company | 85% |
| Atlantic Union Bankshares Corporation | Named by the company | 85% |
| Fncb Bancorp Inc | Named by the company | 85% |
| Citizens Community Bancorp Inc | Named by the company | 85% |
| National Bankshares Inc | Named by the company | 85% |
| Coastal Financial Corporation | Named by the company | 85% |
| Invesco Ltd | Named by the company | 85% |
| Banner Corporation | Named by the company | 85% |
| Firstsun Capital Bancorp | Named by the company | 85% |
| Eagle Bancorp Inc | Named by the company | 85% |
| Northwest Bancshares inc | Named by the company | 85% |
| Citizens Financial Group Inc | Named by the company | 85% |
| Kearny Financial Corp | Named by the company | 85% |
| Beneficient | Named by the company | 85% |
| German American Bancorp Inc | Named by the company | 85% |
| Alliancebernstein Holding L p | Named by the company | 85% |
| Evercore Inc | Named by the company | 85% |
| Old National Bancorp | Named by the company | 85% |
| Aflac Incorporated | Named by the company | 85% |
| First Bancorp | Named by the company | 85% |
| Oportun Financial Corporation | Named by the company | 85% |
| Citizens Holding Company | Named by the company | 85% |
| Lument Finance Trust Inc | Named by the company | 85% |
| Bankunited inc | Named by the company | 85% |
| Guild Holdings Company | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| First Guaranty Bancshares Inc | Named by the company | 85% |
| Cohen and Steers Inc | Named by the company | 85% |
| Mercantile Bank Corporation | Named by the company | 85% |
| Bridge Investment Group Holdings Inc | Named by the company | 85% |
| Ha Sustainable Infrastructure Capital Inc | Named by the company | 85% |
| Amerant Bancorp Inc | Named by the company | 85% |
| Federal Home Loan Bank Of Topeka | Named by the company | 85% |
| Central Pacific Financial Corp | Named by the company | 85% |
| Mainstreet Bancshares Inc | Named by the company | 85% |
| Bankwell Financial Group Inc | Named by the company | 85% |
| Heritage Financial Corp | Named by the company | 85% |
| Vaneck Bitcoin Etf | Named by the company | 85% |
| Atlanticus Holdings Corp | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Financial Institutions Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
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 34.89 % |
| Aon Plc | Risk Capital 70.80 % |
| Aflac Incorporated | Aflac Japan 52.49 % |
| Ameriprise Financial Inc | Advice and Wealth Management 66.21 % |
Source: operating segment revenue as reported in each company's SEC filings (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 | 789 | 385,837 | 130,945 |
| Jpmorgan Chase and Co | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| American Express Company | 207,998 | 1,492,331 | 149,023 |
| PEERS TOTAL | 3,938,729 | 627,289 | 143,382 |
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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 filing. 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 16.91 % |
| Franklin Resources Inc | United States 72.53 % |
| Invesco Ltd | Americas 75.98 % |
| Freedom Holding Corp | Kazakhstan 83.57 % |
| Houlihan Lokey Inc | United States 71.23 % |
Source: revenue geography as reported in each company's SEC filings (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 1,895, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 916,675 | 36.90 % |
| 2 | Bank Of America Corporation | 412,086 | 16.59 % |
| 3 | Wells Fargo and Company | 252,701 | 10.17 % |
| 4 | Citigroup inc | 236,874 | 9.53 % |
| 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 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Mizuho Financial Group Inc | 1,234 | 5.2% |
| 57 | Financial Institutions Inc | 795 | 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 2026-09-28.
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 | 992 | 39.75 % |
| 53 | Camden National Corp | 978 | 47.60 % |
| 54 | Hanmi Financial Corporation | 949 | 28.73 % |
| 55 | Smartfinancial Inc | 851 | 37.61 % |
| 56 | Alerus Financial Corp | 1,234 | 12.3% |
| 57 | Financial Institutions Inc | 795 | 46.35 % |
| 58 | Shore Bancshares Inc | 1,234 | 12.3% |
| 59 | California Bancorp Ca | 1,234 | 12.3% |
| 60 | Peoples Financial Services Corp | 1,234 | 12.3% |
| 61 | Carter bankshares 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 2026-09-28. 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 (46 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 65.76 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 83.07 % | 50.98 % (avg) | +32.1 pp |
| Capital Intensity (Capex / Revenue) | 1.90 % | 1.97 % (avg) | -0.1 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 (46 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.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.2x | 15.4x | -6.2x |
| EV / EBITDA | 4.6x | 6.3x | -1.7x |
| P/B | 1.2x | 1.3x | -0.1x |
| Return on Equity | 13.09 % | industry aggregate | 0.17 % |
| Return on Invested Capital | - | 3.36 % (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 SEC filings.| 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 % | 31.48 % | 56.03 % | 39.15 % |
| 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 | 6.3x | - | 8.5x |
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
Relative market share (vs Financial Institutions Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Financial Institutions Inc falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 13.0% (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 1,895 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Moderate, in line with the industry | Capital intensity (capex / revenue) of 1.90 % vs industry average 1.97 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Financial Institutions Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Financial Institutions Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Financial Institutions Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
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 13.0% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 36.90 % of industry market cap.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
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 | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| American Express Company | 0.08 | 0.60 | 1.76 |
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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 | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| American Express Company | Q2 2026 | -34.8 % | +7.8 % |
| PEERS TOTAL | +14.3 % | +43.5 % |
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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 | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| American Express Company | Q2 2026 | -22.8 % | +45.1 % |
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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 | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| American Express Company | 3.77% | 5.24% | 34.12% |
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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 | 9.67 | 3.24 |
| Jpmorgan Chase and Co | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Citigroup inc | 16.34 | 2.64 |
| American Express Company | 18.63 | 1.81 |
| PEERS AVERAGE | 12.89 | 2.95 |
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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.