BANK FIRST CORP (BFC) Stock Fundamental Analysis
NASDAQ:BFC - US06211J1007 - Common Stock
129.92 USD
-0.25 (-0.19%)
129.92 USD
0 (0%)
Overall BFC gets a fundamental rating of 5 out of 10. We evaluated BFC against 395 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 valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year BFC was profitable.
BFC had a positive operating cash flow in the past year.
In the past 5 years BFC has always been profitable.
BFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BFC's Return On Assets of 1.58% is amongst the best of the industry. BFC outperforms 91.16% of its industry peers.
With a decent Return On Equity value of 11.25%, BFC is doing good in the industry, outperforming 78.03% 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
The Profit Margin of BFC (41.53%) is better than 96.46% of its industry peers.
BFC's Profit Margin has improved in the last couple of years.
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
The number of shares outstanding for BFC has been increased compared to 5 years ago.
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.
BFC's Debt to FCF ratio of 0.21 is amongst the best of the industry. BFC outperforms 86.36% 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.
Looking at the Debt to Equity ratio, with a value of 0.02, BFC belongs to the top of the industry, outperforming 85.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.69%
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.
Measured over the past years, BFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.79% on average per year.
Looking at the last year, BFC shows a very negative growth in Revenue. The Revenue has decreased by -13.55% in the last year.
BFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.86% yearly.
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
The Earnings Per Share is expected to grow by 15.88% on average over the next years. This is quite good.
Based on estimates for the next years, BFC will show a very strong growth in Revenue. The Revenue will grow by 20.62% on average per year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.77 indicates a rather expensive valuation of BFC.
Based on the Price/Earnings ratio, BFC is valued a bit more expensive than the industry average as 77.53% of the companies are valued more cheaply.
BFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 14.98 indicates a correct valuation of BFC.
72.98% of the companies in the same industry are cheaper than BFC, based on the Price/Forward Earnings ratio.
BFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.77 | ||
| Fwd PE | 14.98 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFC indicates a slightly more expensive valuation: BFC is more expensive than 70.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.46 | ||
| 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.
BFC's earnings are expected to grow with 15.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.63
PEG (5Y)1.74
EPS Next 2Y15.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BFC has a Yearly Dividend Yield of 1.38%.
Compared to an average industry Dividend Yield of 3.20, BFC is paying slightly less dividend.
With a Dividend Yield of 1.38, BFC pays less dividend than the S&P500 average, which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
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
BFC pays out 75.74% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BFC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP75.74%
EPS Next 2Y15.88%
EPS Next 3YN/A
129.92
-0.25 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners34.01%
Inst Owner Change-86.83%
Ins Owners9.26%
Ins Owner Change2.3%
Market Cap1.28B
Analysts76.67
Price Target143.82 (10.7%)
Short Float %3.12%
Short Ratio1.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
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)15.1%
PT rev (3m)27.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)-2.17%
EPS NY rev (3m)-2.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.77 | ||
| Fwd PE | 14.98 | ||
| P/S | 7.7 | ||
| P/FCF | 22.46 | ||
| P/OCF | 18.82 | ||
| P/B | 2.09 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.92
EY5.33%
EPS(NY)8.67
Fwd EY6.68%
FCF(TTM)5.78
FCFY4.45%
OCF(TTM)6.9
OCFY5.31%
SpS16.87
BVpS62.29
TBVpS41.22
PEG (NY)1.63
PEG (5Y)1.74
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
WACC11.69%
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%