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Bank First National Corporation (BFC) vs Inter & Co. Inc. (INTR)

Bank First National Corporation and Inter & Co. Inc. are both Banks Regional companies. Bank First National Corporation and Inter & Co. Inc. are of similar size ($1.7B and $1.6B). Inter & Co. Inc. trades at the lower P/E: 5.8× against 18.5×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 31.8%. Inter & Co. Inc. has the higher net margin (9.22% vs 0.00%) and the lower return on invested capital (0.00% vs 11.0%). Both pay a dividend; Inter & Co. Inc. yields more (2.93% vs 1.42%). Across the 17 metrics below, Inter & Co. Inc. leads on 12 and Bank First National Corporation on 5.

Valuation

Metric BFC INTR Banks Regional median
P/E 18.51 5.85 11.87
P/S 5.16 0.54 2.35
P/B 1.98 0.81 1.23
Price to free cash flow 29.32 7.40 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.40% 17.10% 8.34%
Free cash flow yield 3.41% 13.52% 9.37%

Profitability

Metric BFC INTR Banks Regional median
Gross margin 75.32% 58.20% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 9.22% 18.99%
Free cash flow margin 22.18% 7.36% 18.19%
Return on equity 0.00% 15.36% 10.45%
Return on assets 0.00% 1.64% 1.15%
Return on invested capital 11.00% 0.00% 8.54%

Growth

Metric BFC INTR Banks Regional median
Revenue growth (TTM) 31.79% 52.59% 6.56%
EPS growth (last fiscal year) 11.23% 39.47% 18.85%
Revenue growth, 5-year CAGR 15.32% — 12.65%
Net income growth, 5-year CAGR 13.51% — 9.81%

Health

Metric BFC INTR Banks Regional median
Debt to equity 0.00 0.08 0.14
Current ratio 0.93 0.90 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFC INTR Banks Regional median
Dividend yield 1.42% 2.93% 2.51%
Payout ratio 0.26 0.17 0.30

Size

Metric BFC INTR Banks Regional median
Market cap 1.63b 1.66b 915.17m

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