With a year or so more of experience, you'd be competitive for schools outside of H/S/W -- right now, you still have a chance, but if there's any concern it would be that you have less than a lot of the students in the class (who typically have around 4-5 years).
For H/S/W, all three are trying really really hard to move away from finance guys. Stanford has never really been a fan of the finance guy, and HBS and Wharton have been trying really hard to diversify their incoming classes away from finance. HBS was never a fan of cookie cutter engineers (read: Asian engineers), and had a healthy contingent of finance guys in the past like yourself, but with the 2+2 crop of kids taking up 100+ spots each year, it will be at the expense of a lot of finance guys (as you may have known, this past year there was a brouhaha because quite a number of guys from KKR and other top tier funds were getting rejected at HBS to a larger degree than past years, and since this upcoming year will be the first year of the 2+2 folks entering class, my guess is finance guys were the chief victims). Wharton as well has waitlisted a crapload of people, and the folks who I've seen had more success this year get in (whether straight in or off the waitlist) weren't standard issue finance guys. Most were in anything else but finance, or did finance but may have switched out completely so that it's a strong sign they're not going to be a standard issue PE/HF/IM job seeker.
It's not like there's no finance guys that get in, but that the adcom's preferences have changed.
Out of all the so-called "traditional" applicants (finance, consulting, engineering, corporate) -- management consultants still are the bread and butter and what adcoms tend to favor most. In other words, if you were a college kid whose entire existence is about trying to get into a top b-school but you weren't a pro athlete, film industry guy, Bono-like nonprofit professional, etc. then your best chance for getting in is to work at top tier consulting firms like McKinsey, Bain or BCG.
From a practical standpoint, if you feel really ready this year, then apply - but focus on schools like Booth, Columbia, Kellogg, Sloan and Tuck. And maybe choose one of H/S/W. Or if you can afford to wait just one year, then your chances at Booth, Columbia, etc. will be better.
Follow me on Facebook