BANK FIRST CORP (BFC) Stock Fundamental Analysis
NASDAQ:BFC - Nasdaq - US06211J1007 - Common Stock - Currency: USD
BFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and the financial health of BFC get a neutral evaluation. Nothing too spectacular is happening here. BFC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
BFC had positive earnings in the past year.
In the past year BFC had a positive cash flow from operations.
In the past 5 years BFC has always been profitable.
Each year in the past 5 years BFC had a positive operating cash flow.
1.2 Ratios
BFC has a Return On Assets of 1.45%. This is amongst the best in the industry. BFC outperforms 89.70% of its industry peers.
Looking at the Return On Equity, with a value of 10.20%, BFC is in the better half of the industry, outperforming 68.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 10.2% | ||
| ROIC | N/A |
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)10.69%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BFC's Profit Margin of 41.35% is amongst the best of the industry. BFC outperforms 96.73% of its industry peers.
BFC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BFC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.35% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.42%
PM growth 5Y5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BFC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BFC has more shares outstanding
BFC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BFC is 0.20, which is an excellent value as it means it would take BFC, only 0.20 years of fcf income to pay off all of its debts.
BFC's Debt to FCF ratio of 0.20 is amongst the best of the industry. BFC outperforms 87.19% of its industry peers.
BFC has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BFC (0.02) is better than 85.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.74%, which is quite good.
The Earnings Per Share has been growing by 10.79% on average over the past years. This is quite good.
BFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.81%.
Measured over the past years, BFC shows a quite strong growth in Revenue. The Revenue has been growing by 13.86% on average per year.
EPS 1Y (TTM)17.74%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.53%
Revenue 1Y (TTM)-17.81%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%14.25%
3.2 Future
BFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.73% yearly.
The Revenue is expected to grow by 8.34% on average over the next years. This is quite good.
EPS Next Y10.87%
EPS Next 2Y7.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.94%
Revenue Next 2Y8.34%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.57, BFC is valued correctly.
BFC's Price/Earnings ratio is a bit more expensive when compared to the industry. BFC is more expensive than 73.87% of the companies in the same industry.
BFC is valuated rather cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.96, which indicates a correct valuation of BFC.
71.61% of the companies in the same industry are cheaper than BFC, based on the Price/Forward Earnings ratio.
BFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.57 | ||
| Fwd PE | 14.96 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFC is valued a bit more expensive than 72.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.52
PEG (5Y)1.54
EPS Next 2Y7.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.62%, BFC has a reasonable but not impressive dividend return.
BFC's Dividend Yield is slightly below the industry average, which is at 3.53.
Compared to the average S&P500 Dividend Yield of 2.46, BFC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
5.2 History
On average, the dividend of BFC grows each year by 13.89%, which is quite nice.
BFC has been paying a dividend for at least 10 years, so it has a reliable track record.
BFC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.89%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BFC pays out 23.86% of its income as dividend. This is a sustainable payout ratio.
The dividend of BFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.86%
EPS Next 2Y7.73%
EPS Next 3YN/A
112.16
+1.99 (+1.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.32%
Inst Owner Change-0.44%
Ins Owners9.14%
Ins Owner Change1.96%
Market Cap1.12B
Analysts46.67
Price Target112.71 (0.49%)
Short Float %1.82%
Short Ratio6.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
Yearly Dividend1.53
Dividend Growth(5Y)13.89%
DP23.86%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.51%
Min EPS beat(2)6.08%
Max EPS beat(2)8.93%
EPS beat(4)4
Avg EPS beat(4)6.2%
Min EPS beat(4)1.98%
Max EPS beat(4)8.93%
EPS beat(8)5
Avg EPS beat(8)-0.42%
EPS beat(12)6
Avg EPS beat(12)-3.61%
EPS beat(16)10
Avg EPS beat(16)-1.85%
Revenue beat(2)1
Avg Revenue beat(2)0.14%
Min Revenue beat(2)-1.67%
Max Revenue beat(2)1.95%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-6.34%
Max Revenue beat(4)1.95%
Revenue beat(8)2
Avg Revenue beat(8)9.71%
Revenue beat(12)3
Avg Revenue beat(12)5.97%
Revenue beat(16)5
Avg Revenue beat(16)4.5%
PT rev (1m)2.79%
PT rev (3m)2.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.49%
EPS NY rev (1m)2.52%
EPS NY rev (3m)5.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.58%
Revenue NY rev (1m)1%
Revenue NY rev (3m)2.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.57 | ||
| Fwd PE | 14.96 | ||
| P/S | 7.09 | ||
| P/FCF | 19.08 | ||
| P/OCF | 16.98 | ||
| P/B | 1.75 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.77
EY6.04%
EPS(NY)7.5
Fwd EY6.68%
FCF(TTM)5.88
FCFY5.24%
OCF(TTM)6.6
OCFY5.89%
SpS15.82
BVpS64.16
TBVpS43.13
PEG (NY)1.52
PEG (5Y)1.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 10.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.35% | ||
| GM | N/A | ||
| FCFM | 37.17% |
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)10.69%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.42%
PM growth 5Y5%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.8% | ||
| Cap/Sales | 4.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 89.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.15%
ROIC/WACCN/A
Cap/Depr(3y)141%
Cap/Depr(5y)191.91%
Cap/Sales(3y)5.72%
Cap/Sales(5y)6.49%
Profit Quality(3y)72.32%
Profit Quality(5y)76.22%
High Growth Momentum
Growth
EPS 1Y (TTM)17.74%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.53%
EPS Next Y10.87%
EPS Next 2Y7.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.81%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%14.25%
Revenue Next Year10.94%
Revenue Next 2Y8.34%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y48.56%
FCF growth 3Y22.93%
FCF growth 5Y30.68%
OCF growth 1Y24.37%
OCF growth 3Y17.8%
OCF growth 5Y23.79%