Bank First National (BFC) Competitors

Bank First National (NASDAQ:BFC) and Community Trust Bancorp (NASDAQ:CTBI) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, dividends, institutional ownership, risk, valuation, media sentiment, earnings and analyst recommendations.

Which has more volatility & risk, BFC or CTBI?

Bank First National has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500. Comparatively, Community Trust Bancorp has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500.

Do insiders & institutionals believe in BFC or CTBI?

30.0% of Bank First National shares are held by institutional investors. Comparatively, 60.2% of Community Trust Bancorp shares are held by institutional investors. 3.4% of Bank First National shares are held by insiders. Comparatively, 4.3% of Community Trust Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Do analysts prefer BFC or CTBI?

Bank First National presently has a consensus price target of $133.50, suggesting a potential upside of 7.82%. Community Trust Bancorp has a consensus price target of $59.50, suggesting a potential upside of 5.83%. Given Bank First National's higher probable upside, research analysts clearly believe Bank First National is more favorable than Community Trust Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank First National	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Community Trust Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is BFC or CTBI more profitable?

Bank First National has a net margin of 29.04% compared to Community Trust Bancorp's net margin of 23.33%. Community Trust Bancorp's return on equity of 11.77% beat Bank First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank First National	29.04%	10.92%	1.56%
Community Trust Bancorp	23.33%	11.77%	1.47%

Is BFC or CTBI a better dividend stock?

Bank First National pays an annual dividend of $1.80 per share and has a dividend yield of 1.5%. Community Trust Bancorp pays an annual dividend of $1.88 per share and has a dividend yield of 3.3%. Bank First National pays out 26.0% of its earnings in the form of a dividend. Community Trust Bancorp pays out 37.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Bank First National has raised its dividend for 10 consecutive years and Community Trust Bancorp has raised its dividend for 44 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has better earnings and valuation, BFC or CTBI?

Community Trust Bancorp has higher revenue and earnings than Bank First National. Community Trust Bancorp is trading at a lower price-to-earnings ratio than Bank First National, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank First National	$226.09M	5.38	$65.56M	$6.93	17.87
Community Trust Bancorp	$376.01M	2.71	$82.81M	$5.08	11.07

Does the media prefer BFC or CTBI?

In the previous week, Bank First National and Bank First National both had 2 articles in the media. Bank First National's average media sentiment score of 1.78 beat Community Trust Bancorp's score of 1.76 indicating that Bank First National is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank First National	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Community Trust Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

Community Trust Bancorp beats Bank First National on 10 of the 18 factors compared between the two stocks.