BANK FIRST CORP (BFC) Stock Fundamental Analysis
USA - NASDAQ:BFC - US06211J1007 - Common Stock
128.34 USD
+3.97 (+3.19%)
128.34 USD
0 (0%)
Overall BFC gets a fundamental rating of 5 out of 10. We evaluated BFC against 392 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 shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
BFC had positive earnings in the past year.
BFC had a positive operating cash flow in the past year.
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 better Return On Assets (1.58%) than 91.07% of its industry peers.
Looking at the Return On Equity, with a value of 11.25%, BFC is in the better half of the industry, outperforming 77.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.58% | ||
| ROE | 11.25% | ||
| 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
Looking at the Profit Margin, with a value of 41.53%, BFC belongs to the top of the industry, outperforming 96.43% of the companies in the same industry.
In the last couple of years the Profit Margin of BFC has grown nicely.
BFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.53% | ||
| 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.
Compared to 1 year ago, BFC has less shares outstanding
Compared to 5 years ago, BFC has more shares outstanding
BFC has a better debt/assets ratio than last year.
2.2 Solvency
BFC has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.21, BFC belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that BFC is not too dependend on debt financing.
BFC has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. BFC outperforms 84.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.50% over the past year.
BFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.79% yearly.
The Revenue for BFC has decreased by -13.55% in the past year. This is quite bad
The Revenue has been growing by 13.86% on average over the past years. This is quite good.
EPS 1Y (TTM)16.5%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%9.62%
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%7.04%
3.2 Future
Based on estimates for the next years, BFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.88% on average per year.
The Revenue is expected to grow by 20.62% on average over the next years. This is a very strong growth
EPS Next Y11.51%
EPS Next 2Y15.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.19%
Revenue Next 2Y20.62%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BFC is valuated rather expensively with a Price/Earnings ratio of 18.55.
BFC's Price/Earnings ratio is a bit more expensive when compared to the industry. BFC is more expensive than 76.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of BFC to the average of the S&P500 Index (27.86), we can say BFC is valued slightly cheaper.
BFC is valuated correctly with a Price/Forward Earnings ratio of 14.80.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BFC indicates a slightly more expensive valuation: BFC is more expensive than 73.47% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.32. BFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.55 | ||
| Fwd PE | 14.8 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BFC is valued a bit more expensive than the industry average as 72.45% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.19 | ||
| 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.
A more expensive valuation may be justified as BFC's earnings are expected to grow with 15.88% in the coming years.
PEG (NY)1.61
PEG (5Y)1.72
EPS Next 2Y15.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFC has a Yearly Dividend Yield of 1.45%.
Compared to an average industry Dividend Yield of 3.59, BFC is paying slightly less dividend.
With a Dividend Yield of 1.45, BFC pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
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 not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.89%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
75.74% of the earnings are spent on dividend by BFC. This is not a sustainable payout ratio.
BFC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP75.74%
EPS Next 2Y15.88%
EPS Next 3YN/A
128.34
+3.97 (+3.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners34.52%
Inst Owner Change0%
Ins Owners9.27%
Ins Owner Change-0.29%
Market Cap1.26B
Analysts76.67
Price Target143.82 (12.06%)
Short Float %3.14%
Short Ratio2.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
Yearly Dividend1.53
Dividend Growth(5Y)13.89%
DP75.74%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.63%
Min EPS beat(2)-6.25%
Max EPS beat(2)11.51%
EPS beat(4)3
Avg EPS beat(4)5.07%
Min EPS beat(4)-6.25%
Max EPS beat(4)11.51%
EPS beat(8)6
Avg EPS beat(8)3.86%
EPS beat(12)6
Avg EPS beat(12)-3.07%
EPS beat(16)9
Avg EPS beat(16)-2.09%
Revenue beat(2)1
Avg Revenue beat(2)-1.94%
Min Revenue beat(2)-6.02%
Max Revenue beat(2)2.15%
Revenue beat(4)2
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)2.15%
Revenue beat(8)3
Avg Revenue beat(8)9.85%
Revenue beat(12)4
Avg Revenue beat(12)5.8%
Revenue beat(16)5
Avg Revenue beat(16)4.36%
PT rev (1m)0%
PT rev (3m)17.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.55 | ||
| Fwd PE | 14.8 | ||
| P/S | 7.61 | ||
| P/FCF | 22.19 | ||
| P/OCF | 18.59 | ||
| P/B | 2.06 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.92
EY5.39%
EPS(NY)8.67
Fwd EY6.76%
FCF(TTM)5.78
FCFY4.51%
OCF(TTM)6.9
OCFY5.38%
SpS16.87
BVpS62.29
TBVpS41.22
PEG (NY)1.61
PEG (5Y)1.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.58% | ||
| ROE | 11.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.53% | ||
| GM | N/A | ||
| FCFM | 34.29% |
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-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 142.9% | ||
| Cap/Sales | 6.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 82.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.63%
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)16.5%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%9.62%
EPS Next Y11.51%
EPS Next 2Y15.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%7.04%
Revenue Next Year10.19%
Revenue Next 2Y20.62%
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 1Y70.09%
FCF growth 3Y22.93%
FCF growth 5Y30.68%
OCF growth 1Y50.49%
OCF growth 3Y17.8%
OCF growth 5Y23.79%