Bank First National Corporation (BFC) vs National Bank Holdings Corporation (NBHC)

Bank First National Corporation and National Bank Holdings Corporation are both Banks Regional companies. Bank First National Corporation and National Bank Holdings Corporation are of similar size ($1.7B and $1.6B). National Bank Holdings Corporation trades at the lower P/E: 15.9× against 19.2×. Bank First National Corporation grew revenue faster over the last twelve months: 22.8% against 9.28%. Bank First National Corporation has the higher net margin (27.6% vs 15.1%) and the higher return on invested capital (10.9% vs 4.67%). Both pay a dividend; National Bank Holdings Corporation yields more (3.35% vs 1.42%). Across the 19 metrics below, Bank First National Corporation leads on 10 and National Bank Holdings Corporation on 9.

Valuation

Metric BFC NBHC Banks Regional median
P/E 19.19 15.93 11.98
P/S 5.60 2.60 2.34
P/B 2.00 1.01 1.19
Price to free cash flow 38.42 11.66 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.21% 6.28% 8.23%
Free cash flow yield 2.60% 8.57% 9.08%

Profitability

Metric BFC NBHC Banks Regional median
Gross margin 74.46% 71.31% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.57% 15.11% 18.66%
Free cash flow margin 14.58% 22.25% 21.11%
Return on equity 11.27% 6.53% 10.65%
Return on assets 1.56% 0.87% 1.13%
Return on invested capital 10.90% 4.67% 8.35%

Growth

Metric BFC NBHC Banks Regional median
Revenue growth (TTM) 22.80% 9.28% 6.98%
EPS growth (last fiscal year) 11.23% (7.47%) 18.88%
Revenue growth, 5-year CAGR 15.32% 10.39% 12.38%
Net income growth, 5-year CAGR 13.51% 4.34% 9.71%

Health

Metric BFC NBHC Banks Regional median
Debt to equity 0.03 0.20 0.22
Current ratio 0.93 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFC NBHC Banks Regional median
Dividend yield 1.42% 3.35% 2.57%
Payout ratio 0.27 0.53 0.30

Size

Metric BFC NBHC Banks Regional median
Market cap 1.63b 1.67b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack