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 analyst recommendations, earnings, institutional ownership, media sentiment, valuation, dividends, risk and profitability.

Does the media favor BFC or CTBI?

In the previous week, Community Trust Bancorp had 1 more articles in the media than Bank First National. MarketBeat recorded 4 mentions for Community Trust Bancorp and 3 mentions for Bank First National. Bank First National's average media sentiment score of 1.77 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	3 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	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

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 1.4%. Community Trust Bancorp pays an annual dividend of $1.88 per share and has a dividend yield of 3.2%. 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.

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%

Do analysts recommend BFC or CTBI?

Bank First National currently has a consensus target price of $133.50, suggesting a potential upside of 3.27%. Community Trust Bancorp has a consensus target price of $64.50, suggesting a potential upside of 9.62%. Given Community Trust Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Community Trust Bancorp is more favorable than Bank First National.

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

Do institutionals and insiders believe in BFC or CTBI?

30.0% of Bank First National shares are owned by institutional investors. Comparatively, 60.2% of Community Trust Bancorp shares are owned by institutional investors. 3.4% of Bank First National shares are owned by insiders. Comparatively, 4.3% of Community Trust Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Which has higher valuation & earnings, 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	5.62	$65.56M	$6.93	18.65
Community Trust Bancorp	$376.01M	2.83	$82.81M	$5.08	11.58

Which has more risk & volatility, BFC or CTBI?

Bank First National has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500. Comparatively, Community Trust Bancorp has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.

Summary

Community Trust Bancorp beats Bank First National on 12 of the 19 factors compared between the two stocks.