John M. Floyd & Associates

What John M. Floyd & Associates does

John M. Floyd & Associates (JMFA) is a privately held US software and consulting firm founded in 1972 and headquartered in Houston, Texas, that sells the ADVANTAGE profitability platform to community banks and credit unions. The platform is modular, comprising Overdraft Privilege (overdraft program management), Account Acquisition (deposit growth), Advantage Direct (direct banking), Contract Negotiations (vendor optimization, with a stated 98% contract-savings success rate), and Technology Strategy (vendor selection advisory), with the FastTrack client portal (Version 5.2.0, built 2014) providing customer access. JMFA reports 2,250+ customized installations and 40+ years of sector experience, holds SOC 2 Type II certification, and operates under registered trademarks JMFA® and JMFA Overdraft Privilege®.

The company monetizes primarily through subscription-based software licensing of the ADVANTAGE platform, supplemented by consulting engagements, with pricing delivered on a quote basis rather than published publicly. Distribution is via an enterprise field-sales motion targeting community-focused banks and credit unions, supported by content marketing (articles, industry events, email newsletter, LinkedIn) and a "Request a demo" CTA on its website. Customer segments are concentrated in two primary verticals — community banks and credit unions — with no disclosed enterprise or international customers, no external funding, and no parent-company structure. Customer references on the website are anonymized regional banks and credit unions (Midwestern, Southeastern, Northeastern, Southern), consistent with a long-tail of mid-market financial institution accounts.

Name

John M. Floyd & Associates

Legal name

John M. Floyd & Associates, Inc.

Website

https://jmfa.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

101–250 employees

Short description

John M. Floyd & Associates (JMFA) provides the ADVANTAGE profitability software platform and consulting services to US community banks and credit unions, specializing in overdraft management, account acquisition, vendor contract negotiations, and technology strategy.

Ownership category

akta.pro rank

Product category

Banking Software

SIC

Services-Computer Programming Services (7371), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Pricing, Revenue & Commercial Analytics (BPAHALAM)

Keywords

• Overdraft management software
• Community bank solutions
• Credit union services
• Vendor contract negotiation
• Deposit growth software

Headquarters

HQ city

Baytown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Licensing & Subscriptions: JMFA generates revenue primarily through software licensing of the ADVANTAGE platform to community banks and credit unions. The software provides profitability tools for overdraft management, account acquisition, and contract negotiations.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

John M. Floyd & Associates (JMFA) sells the ADVANTAGE profitability software platform and related consulting services to community banks and credit unions. Core offerings include overdraft privilege program management software, account acquisition and deposit growth tools, vendor contract negotiation services, and technology strategy advisory. Existing clients access the platform through the proprietary FastTrack client portal.

Product overview

ADVANTAGE is a unified profitability software platform for community banks and credit unions. The platform comprises several integrated modules: ADVANTAGE (core platform) for overall profitability management, Account Acquisition for deposit growth, Advantage Direct for direct banking services, Contract Negotiations for vendor optimization (98% success rate), Overdraft Privilege for overdraft program management, and Technology Strategy for technology evaluation and selection. The suite also includes FastTrack (Version 5.2.0), a client portal for accessing the platform. With over 40 years of experience, 2,250+ customized installations, the company focuses on helping community financial institutions increase non-interest income through integrated software solutions and consulting services.

Differentiator

Problem solved

Functional benefit

Brands

• ADVANTAGE, powered by JMFA: Core profitability software platform for community banks and credit unions, featuring overdraft management, account acquisition, and contract negotiation tools.
• FastTrack

Products and services

• ADVANTAGE Profitability Software

Quantifiable outcome

• 98% success rate in achieving contract savings
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators4 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Jack Henry & Associates: A long-standing core-and-digital banking technology incumbent serving thousands of community banks and credit unions with embedded account analysis, payments and digital channels — a broader portfolio that overlaps JMFA's profitability and contract modules.
• Bottomline Technologies: A financial-technology vendor offering payments, account opening and analytics for community financial institutions — overlapping with JMFA in deposit-growth tooling and account-acquisition workflows at the broader portfolio level.
• nCino: A cloud-based banking operating system providing commercial and retail banking workflows, increasingly adopted by community and mid-sized banks — competing for the same analytics and account-acquisition budget JMFA targets.
• Temenos: A global banking software platform offering retail, commercial, and digital banking modules used by banks across tiers — an established incumbent that competes with JMFA in profitability and account analytics at scale.
• Fiserv: A diversified financial-services technology provider with account processing, digital banking and analytics solutions that span the community-FI segment JMFA serves — competing at the portfolio level rather than at any single niche module.

Direct peers

• Baker Hill: A provider of commercial loan origination, risk analytics and account-analysis solutions purpose-built for community banks, directly comparable to JMFA's profitability/account-acquisition focus on the same end-customer segment.
• Ncontracts: A vendor risk and contract lifecycle management platform purpose-built for banks and credit unions — directly comparable to JMFA's Contract Negotiations module and increasingly competing for the same vendor-management wallet.
• Alkami Technology: A cloud-based digital banking and data platform explicitly built for community banks and credit unions — sharing JMFA's specific vertical focus and increasingly competing for the same account-acquisition and analytics wallet share.
• Profit Resources, Inc. A consulting firm focused on profitability and growth optimization for community banks — closely mirroring JMFA's consultative approach and overlapping use cases in deposits, fee income and contract optimization.
• Wipfli LLP: A large accounting and consulting firm with a dedicated community-banking practice spanning profitability, vendor contract optimization and technology strategy — directly comparable to JMFA's contract-negotiation and technology-strategy consulting offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/advantage-fi

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about John M. Floyd & Associates