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

Do institutionals and insiders believe in CTBI or BFC?

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

Is CTBI or BFC a better dividend stock?

Community Trust Bancorp pays an annual dividend of $2.12 per share and has a dividend yield of 3.6%. Bank First National pays an annual dividend of $1.80 per share and has a dividend yield of 1.4%. Community Trust Bancorp pays out 41.7% of its earnings in the form of a dividend. Bank First National pays out 26.0% 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. Community Trust Bancorp has raised its dividend for 44 consecutive years and Bank First National has raised 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.

Does the media refer more to CTBI or BFC?

In the previous week, Community Trust Bancorp had 1 more articles in the media than Bank First National. MarketBeat recorded 3 mentions for Community Trust Bancorp and 2 mentions for Bank First National. Bank First National's average media sentiment score of 1.77 beat Community Trust Bancorp's score of 1.69 indicating that Bank First National is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Community Trust Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
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

Do analysts recommend CTBI or BFC?

Community Trust Bancorp currently has a consensus target price of $64.50, indicating a potential upside of 10.50%. Bank First National has a consensus target price of $133.50, indicating a potential upside of 4.33%. 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

Which has more risk & volatility, CTBI or BFC?

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

Is CTBI or BFC 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
Community Trust Bancorp	23.33%	11.77%	1.47%
Bank First National	29.04%	10.92%	1.56%

Which has higher earnings and 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	$264.82M	3.99	$82.81M	$5.08	11.49
Bank First National	$226.09M	5.56	$65.56M	$6.93	18.46

Summary

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