Financial Analysis: Bank First National (BFNC) versus The Competition

Valuation and Earnings

This table compares Bank First National and its peers revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Bank First National	N/A	N/A	119.45
Bank First National Competitors	$168.96 billion	$2.38 billion	27.12

Bank First National’s peers have higher revenue and earnings than Bank First National. Bank First National 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.

Dividends

Bank First National pays an annual dividend of $0.42 per share and has a dividend yield of 0.3%. Bank First National pays out 32.3% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.9% and pay out 32.5% of their earnings in the form of a dividend.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Bank First National	N/A	N/A	N/A
Bank First National Competitors	15.00%	9.63%	0.94%

Insider & Institutional Ownership

10.8% of Bank First National shares are held by institutional investors. Comparatively, 47.7% of shares of all “Banks” companies are held by institutional investors. 14.4% of Bank First National shares are held by insiders. Comparatively, 9.9% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Bank First National peers beat Bank First National on 6 of the 9 factors compared.

About Bank First National

Bank First Corp. is a bank holding company, which engages in the provision of financial products and services to individual and business customers. It offers checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, commercial and industrial loans, commercial real estate loans, construction and development loans, residential mortgages, consumer loans, credit cards, online banking, telephone banking, and mobile banking. The company was founded on April 9, 1982 and is headquartered in Manitowoc, WI.