Bank First National (BFC) Competitors

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

Do institutionals and insiders hold more shares of CTBI or BFC?

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

Do analysts recommend CTBI or BFC?

Community Trust Bancorp currently has a consensus price target of $57.00, indicating a potential upside of 1.54%. Bank First National has a consensus price target of $120.50, indicating a potential downside of 2.56%. Given Community Trust Bancorp's stronger consensus rating and higher probable upside, research 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
Community Trust Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
Bank First National	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media prefer CTBI or BFC?

In the previous week, Community Trust Bancorp had 3 more articles in the media than Bank First National. MarketBeat recorded 5 mentions for Community Trust Bancorp and 2 mentions for Bank First National. Community Trust Bancorp's average media sentiment score of 1.20 beat Bank First National's score of 0.87 indicating that Community Trust Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Community Trust Bancorp	5 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bank First National	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger earnings & valuation, CTBI or BFC?

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
Community Trust Bancorp	$376.01M	2.70	$82.81M	$4.79	11.72
Bank First National	$226.09M	5.43	$65.56M	$6.81	18.16

Which has more risk & volatility, CTBI or BFC?

Community Trust Bancorp has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500. Comparatively, Bank First National has a beta of 0.39, suggesting that its stock price is 61% less volatile than the S&P 500.

Is CTBI or BFC more profitable?

Bank First National has a net margin of 29.22% compared to Community Trust Bancorp's net margin of 22.49%. Community Trust Bancorp's return on equity of 11.40% beat Bank First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Community Trust Bancorp	22.49%	11.40%	1.42%
Bank First National	29.22%	10.73%	1.56%

Is CTBI or BFC a better dividend stock?

Community Trust Bancorp pays an annual dividend of $1.88 per share and has a dividend yield of 3.3%. Bank First National pays an annual dividend of $1.80 per share and has a dividend yield of 1.5%. Community Trust Bancorp pays out 39.2% of its earnings in the form of a dividend. Bank First National pays out 26.4% 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. Community Trust Bancorp has increased its dividend for 44 consecutive years and Bank First National has increased its dividend for 10 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 13 of the 19 factors compared between the two stocks.