COMP <GO>
FISI vs JPM // NET PROFIT MARGIN
Financial Institutions Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: FISI 4
— JPM 3
■ METRIC PARITY
LAST: $40.15 (+1.98%) • MKT CAP: $775.8M
net-margins
—
LAST: $340.58 (+1.05%) • MKT CAP: $895.92B
net-margins
32.63%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FISI VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FISI | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 17.37% | -5.47 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.8x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 1.65% | -17.93% | +19.58 | FISI | /fcf-yield <GO> |
| Operating Margin | — | 42.07% | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | — | 32.63% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 13.53% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.07% | 1.94% | +1.13 | FISI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 2/9 | +2.00 | FISI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.77% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.5 | 51.2 | -5.70 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.0x | 13.3x | -3.27 | FISI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $775.8M | $895.92B | -$895.14B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FISI REV | JPM REV | FISI GROSS % | JPM GROSS % | FISI FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.64B | $182.45B | — | — | $13.3M | -$147.78B |
| FY 2024 | $2.57B | $177.56B | — | — | $72.2M | -$42.01B |
| FY 2023 | $226.2M | $158.10B | — | — | $10.9M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FISI // BETA —
JPM // BETA 1.00