Bank First National Corporation (BFC) vs Pathward Financial, Inc. (CASH)

Bank First National Corporation and Pathward Financial, Inc. are both Banks Regional companies. Bank First National Corporation and Pathward Financial, Inc. are of similar size ($1.6B and $1.6B). Pathward Financial, Inc. trades at the lower P/E: 9.4× against 19.3×. Bank First National Corporation grew revenue faster over the last twelve months: 22.8% against −2.27%. Bank First National Corporation has the higher net margin (27.6% vs 21.1%) and the lower return on invested capital (10.9% vs 18.6%). Both pay a dividend; Bank First National Corporation yields more (1.42% vs 0.26%). Across the 19 metrics below, Pathward Financial, Inc. leads on 10 and Bank First National Corporation on 9.

Valuation

Metric BFC CASH Banks Regional median
P/E 19.25 9.38 12.02
P/S 5.62 1.91 2.36
P/B 2.01 1.94 1.23
Price to free cash flow 38.54 2.37 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.19% 10.67% 8.21%
Free cash flow yield 2.59% 42.27% 9.23%

Profitability

Metric BFC CASH Banks Regional median
Gross margin 74.46% 98.80% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.57% 21.09% 18.82%
Free cash flow margin 14.58% 0.00% 17.97%
Return on equity 11.27% 20.92% 10.28%
Return on assets 1.56% 2.43% 1.13%
Return on invested capital 10.90% 18.63% 8.45%

Growth

Metric BFC CASH Banks Regional median
Revenue growth (TTM) 22.80% (2.27%) 6.37%
EPS growth (last fiscal year) 11.23% 3.43% 18.85%
Revenue growth, 5-year CAGR 15.32% 8.37% 12.65%
Net income growth, 5-year CAGR 13.51% 4.77% 9.81%

Health

Metric BFC CASH Banks Regional median
Debt to equity 0.03 0.04 0.17
Current ratio 0.93 0.83 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFC CASH Banks Regional median
Dividend yield 1.42% 0.26% 2.49%
Payout ratio 0.27 0.02 0.29

Size

Metric BFC CASH Banks Regional median
Market cap 1.63b 1.59b 934.85m

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