Bank First National (NASDAQ:BFC) versus Town and Country Financial (OTCMKTS:TWCF) Critical Analysis

Town and Country Financial (OTCMKTS:TWCF) and Bank First National (NASDAQ:BFC) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, institutional ownership, dividends, risk, analyst recommendations, earnings and valuation.

Analyst Recommendations

This is a summary of current ratings and price targets for Town and Country Financial and Bank First National, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Town and Country Financial	0	0	0	0	0.00
Bank First National	0	1	2	0	2.67

Bank First National has a consensus price target of $146.00, indicating a potential upside of 12.50%. Given Bank First National’s stronger consensus rating and higher possible upside, analysts clearly believe Bank First National is more favorable than Town and Country Financial.

Profitability

This table compares Town and Country Financial and Bank First National’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Town and Country Financial	N/A	N/A	N/A
Bank First National	29.34%	11.28%	1.60%

Institutional & Insider Ownership

30.0% of Bank First National shares are held by institutional investors. 3.4% of Bank First National shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Town and Country Financial and Bank First National”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Town and Country Financial	N/A	N/A	N/A	N/A	N/A
Bank First National	$226.09 million	5.65	$65.56 million	$7.11	18.25

Bank First National has higher revenue and earnings than Town and Country Financial.

Summary

Bank First National beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.

About Bank First National

Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. It offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; 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, and revolving lines of credit. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. 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.