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 investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, risk, valuation, analyst recommendations, profitability, media sentiment and earnings.

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%

Does the media favor 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 1.82 beat Community Trust Bancorp's score of 1.08 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	2 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)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts recommend BFC or CTBI?

Bank First National currently has a consensus price target of $133.50, indicating a potential upside of 4.02%. Community Trust Bancorp has a consensus price target of $64.50, indicating a potential upside of 16.78%. Given Community Trust Bancorp's stronger consensus rating and higher possible upside, analysts clearly 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)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
Community Trust Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has preferable valuation and 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	5.58	$65.56M	$6.93	18.52
Community Trust Bancorp	$376.01M	2.66	$82.81M	$5.08	10.87

Which has more volatility and risk, BFC or CTBI?

Bank First National has a beta of 0.39, suggesting that its stock price is 61% less volatile than the S&P 500. Comparatively, Community Trust Bancorp has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of 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. 4.1% of Bank First National shares are held by insiders. Comparatively, 2.3% of Community Trust Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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 $2.12 per share and has a dividend yield of 3.8%. Bank First National pays out 26.0% of its earnings in the form of a dividend. Community Trust Bancorp pays out 41.7% 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 increased its dividend for 10 consecutive years and Community Trust Bancorp has increased 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.

Summary

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