Bank First vs First Bancorp
BFC and FNLC 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 FNLC compare
Bank First is the larger company, worth 4.0 times as much as First Bancorp ($1.7B against $410M).
On earnings, First Bancorp is cheaper: it trades at 10.8× trailing earnings, against 19.4× for Bank First.
Bank First grew revenue faster over the last twelve months (31.6% versus 16.7% for First Bancorp).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 37.3% compared with 37.2% at Bank First.
Both pay dividends: Bank First yields 1.4% and First Bancorp 4.1%.
First Bancorp scores higher on the StockData Score (17 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 | FNLC |
|---|---|---|
| Size and price | ||
| Market cap | $1.7B | $410M |
| Share price | $149.03 | $36.35 |
| Change, 1 year | 19.9% | 48.5% |
| Change, 5 years | 103% | 18.9% |
| Beta (5Y) | 0.51 | 0.50 |
| Employees | 380 | 283 |
| StockData Score | ||
| Total score | 13 | 17 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 4 | 4 |
| Health score | 5 | 5 |
| Dividend score | 1 | 5 (better) |
| Valuation | ||
| P/E | 19.4× | 10.8× (better) |
| P/S | 7.6× | 4.0× (better) |
| P/B | 2.0× | 1.4× (better) |
| P/FCF | 38.8× | 11.5× (better) |
| PEG | 2.15 | – |
| FCF yield | 2.6% | 8.7% (better) |
| Fair value | $107.64 | $34.23 |
| Margin of safety | −38.5% | −6.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 31.6% (better) | 16.7% |
| Revenue growth, 5Y average | 10.5% (better) | 4.0% |
| Net income growth (TTM) | 17.1% | 26.1% (better) |
| EPS growth (TTM) | 10.8% | 25.3% (better) |
| EPS growth, 5Y average | 7.4% (better) | 4.4% |
| Profitability | ||
| Net margin | 37.2% | 37.3% (better) |
| FCF margin | 19.5% | 35.2% (better) |
| Return on equity | 11.3% | 13.5% (better) |
| Financial health | ||
| Debt / equity | – | 0.61 |
| Altman Z-score | 0.34 (better) | 0.22 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.4% | 4.1% (better) |
| Payout ratio | – | 44.0% |
| Years of dividend growth | 3 | 8 (better) |
| Dividend growth, 5Y average | 45.6% (better) | 3.6% |
| Buyback yield | 1.4% (better) | −0.16% |
| Shareholder yield | 2.8% | 4.0% (better) |
| Ownership | ||
| Held by institutions | 37.7% | 45.6% |
| Held by insiders | 4.6% | 4.9% |
| Insider net buying, 12 months | −$2.4M | −$140K (better) |
| Short interest, % of float | 6.3% | 1.4% |
Go deeper
- BFC stock overview
- BFC income statement
- BFC valuation and score
- FNLC stock overview
- FNLC income statement
- FNLC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.