Embassy Bancorp (EMYB) Competitors

Bank First National (OTCMKTS:BFNC) and Embassy Bancorp (OTCMKTS:EMYB) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their dividends, earnings, profitability, community ranking, institutional ownership, media sentiment, analyst recommendations, valuation and risk.

Does the media refer more to BFNC or EMYB?

In the previous week, Bank First National had 23 more articles in the media than Embassy Bancorp. MarketBeat recorded 23 mentions for Bank First National and 0 mentions for Embassy Bancorp. Bank First National's average media sentiment score of 0.10 beat Embassy Bancorp's score of -1.14 indicating that Bank First National is being referred to more favorably in the media.

Company	Overall Sentiment
Bank First National	Neutral
Embassy Bancorp	Negative

Does the MarketBeat Community prefer BFNC or EMYB?

Embassy Bancorp received 55 more outperform votes than Bank First National when rated by MarketBeat users. However, 66.27% of users gave Bank First National an outperform vote while only 65.87% of users gave Embassy Bancorp an outperform vote.

Company	Underperform	Outperform
Bank First National	Outperform Votes 55 66.27%	Underperform Votes 28 33.73%
Embassy Bancorp	Outperform Votes 110 65.87%	Underperform Votes 57 34.13%

Do insiders and institutionals believe in BFNC or EMYB?

10.8% of Bank First National shares are held by institutional investors. Comparatively, 0.7% of Embassy Bancorp shares are held by institutional investors. 14.4% of Bank First National shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Do analysts rate BFNC or EMYB?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank First National	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Embassy Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is BFNC or EMYB more profitable?

Company	Net Margins	Return on Equity	Return on Assets
Bank First National	N/A	N/A	N/A
Embassy Bancorp	N/A	N/A	N/A

Which has better valuation & earnings, BFNC or EMYB?

Embassy 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	N/A	N/A	N/A	$1.30	60.62
Embassy Bancorp	N/A	N/A	N/A	$0.87	16.21

Is BFNC or EMYB a better dividend stock?

Bank First National pays an annual dividend of $0.42 per share and has a dividend yield of 0.5%. Embassy Bancorp pays an annual dividend of $0.06 per share and has a dividend yield of 0.4%. Bank First National pays out 32.3% of its earnings in the form of a dividend. Embassy Bancorp pays out 6.9% 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.

Summary

Bank First National beats Embassy Bancorp on 8 of the 10 factors compared between the two stocks.