Bank First vs Financial Institutions
BFC and FISI side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BFC and FISI compare
Bank First is the larger company, worth 2.1 times as much as Financial Institutions ($1.7B against $776M).
On earnings, Financial Institutions is cheaper: it trades at 9.8× trailing earnings, against 19.4× for Bank First.
Bank First keeps more of each dollar of sales as profit, with a net margin of 37.2% compared with 32.4% at Financial Institutions.
Both pay dividends: Bank First yields 1.4% and Financial Institutions 3.2%.
Financial Institutions scores higher on the StockData Score (16 against 13 for Bank First), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BFC | FISI |
|---|---|---|
| Size and price | ||
| Market cap | $1.7B | $776M |
| Share price | $149.03 | $39.37 |
| Change, 1 year | 19.9% | 36.1% |
| Change, 5 years | 103% | 17.7% |
| Beta (5Y) | 0.51 | 0.74 |
| Employees | 380 | 631 |
| StockData Score | ||
| Total score | 13 | 16 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 4 | 5 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 19.4× | 9.8× (better) |
| P/S | 7.6× | 3.0× (better) |
| P/B | 2.0× | 1.2× (better) |
| P/FCF | 38.8× | 13.8× (better) |
| PEG | 2.15 (better) | 20.96 |
| FCF yield | 2.6% | 7.2% (better) |
| Fair value | $107.64 | $36.24 |
| Margin of safety | −38.5% | −8.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 31.6% | – |
| Revenue growth, 5Y average | 10.5% (better) | 6.1% |
| Net income growth (TTM) | 17.1% | – |
| EPS growth (TTM) | 10.8% | – |
| EPS growth, 5Y average | 7.4% | 9.4% (better) |
| Profitability | ||
| Net margin | 37.2% (better) | 32.4% |
| FCF margin | 19.5% | 22.1% (better) |
| Return on equity | 11.3% | 13.3% (better) |
| Financial health | ||
| Debt / equity | – | 0.28 |
| Altman Z-score | 0.34 (better) | 0.23 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.4% | 3.2% (better) |
| Payout ratio | – | 30.2% |
| Years of dividend growth | 3 (better) | 1 |
| Dividend growth, 5Y average | 45.6% (better) | 3.6% |
| Buyback yield | 1.4% | 2.2% (better) |
| Shareholder yield | 2.8% | 5.4% (better) |
| Ownership | ||
| Held by institutions | 37.7% | 79.8% |
| Held by insiders | 4.6% | 11.9% |
| Insider net buying, 12 months | −$2.4M | $44.7K (better) |
| Short interest, % of float | 6.3% | – |
Go deeper
- BFC stock overview
- BFC income statement
- BFC valuation and score
- FISI stock overview
- FISI income statement
- FISI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.