Bank First (BFC) vs. Its Competitors Head-To-Head Comparison

Bank First (NASDAQ: BFC) is one of 159 public companies in the “National commercial banks” industry, but how does it weigh in compared to its peers? We will compare Bank First to similar companies based on the strength of its risk, earnings, valuation, analyst recommendations, institutional ownership, dividends and profitability.

Risk & Volatility

Bank First has a beta of 0.38, meaning that its stock price is 62% less volatile than the S&P 500. Comparatively, Bank First’s peers have a beta of 0.99, meaning that their average stock price is 1% less volatile than the S&P 500.

Dividends

Bank First pays an annual dividend of $0.80 per share and has a dividend yield of 1.3%. Bank First pays out 20.7% of its earnings in the form of a dividend. As a group, “National commercial banks” companies pay a dividend yield of 3.6% and pay out 30.9% of their earnings in the form of a dividend. Bank First has increased its dividend for 1 consecutive years.

Profitability

This table compares Bank First and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bank First 25.85% 12.27% 1.29%
Bank First Competitors 15.37% 8.29% 0.89%

Earnings and Valuation

This table compares Bank First and its peers gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Bank First $101.80 million $26.69 million 16.19
Bank First Competitors $7.71 billion $1.61 billion 8.38

Bank First’s peers have higher revenue and earnings than Bank First. Bank First is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Analyst Ratings

This is a breakdown of current ratings and price targets for Bank First and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bank First 0 0 0 0 N/A
Bank First Competitors 2684 7620 6152 320 2.24

As a group, “National commercial banks” companies have a potential upside of 27.39%. Given Bank First’s peers higher possible upside, analysts clearly believe Bank First has less favorable growth aspects than its peers.

Insider and Institutional Ownership

25.7% of Bank First shares are owned by institutional investors. Comparatively, 50.5% of shares of all “National commercial banks” companies are owned by institutional investors. 5.7% of Bank First shares are owned by insiders. Comparatively, 9.4% of shares of all “National commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Bank First peers beat Bank First on 7 of the 12 factors compared.

Bank First Company Profile

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to individuals and businesses in Wisconsin. The company offers demand, time, and savings deposits; checking, savings, money market, cash management, retirement, and health savings accounts; certificates of deposit; and residential mortgage products. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans. It also provides credit cards; ATM processing; insurance; data processing and information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. It operates through 22 branches in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, Jefferson, and Barron counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.

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