ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank First Corp. ?
1
High Profitability with a Net Interest Margin of 9.94%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.92%
3
The company has declared Positive results for the last 5 consecutive quarters
- NII(Q) Highest at USD 53.22 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 28.1%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 1.12%, it has a expensive valuation with a 2.64 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 25.04%, its profits have risen by 9.1% ; the PEG ratio of the company is 2.2
5
High Institutional Holdings at 37.74%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank First Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank First Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank First Corp.
25.04%
2.90
28.23%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.10%
EBIT Growth (5y)
10.10%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.90%
Pledged Shares
0
Institutional Holding
37.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
2.64
EV to EBIT
19.99
EV to EBITDA
18.24
EV to Capital Employed
3.14
EV to Sales
6.98
PEG Ratio
2.16
Dividend Yield
3.15%
ROCE (Latest)
15.72%
ROE (Latest)
11.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 53.22 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 28.1%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 119.76 MM
NET SALES(Q)
Highest at USD 73.61 MM
OPERATING PROFIT(Q)
Highest at USD 23.99 MM
PRE-TAX PROFIT(Q)
Highest at USD 24.69 MM
NET PROFIT(Q)
Highest at USD 19.9 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -118.87 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.77%
OPERATING PROFIT MARGIN(Q)
Lowest at 32.59 %
Here's what is working for Bank First Corp.
NII
Highest at USD 53.22 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 28.1% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at USD 73.61 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 73.61 MM has Grown at 33.71%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 23.99 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 24.69 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 19.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 119.76 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 3.3 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 3.3 MM has Grown at 80.41%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Bank First Corp.
Non Performing Loans (%)
Highest at 0.6%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD -118.87 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit Margin
Lowest at 32.59 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 88.77%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.54%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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