Bank First National Corporation (BFC) vs Origin Bancorp, Inc. (OBK)

Bank First National Corporation and Origin Bancorp, Inc. are both Banks Regional companies. Bank First National Corporation and Origin Bancorp, Inc. are of similar size ($1.7B and $1.6B). Origin Bancorp, Inc. trades at the lower P/E: 12.8× against 18.5×. Bank First National Corporation grew revenue faster over the last twelve months: 31.8% against 3.89%. Origin Bancorp, Inc. has the higher net margin (21.2% vs 0.00%) and the higher return on invested capital (11.2% vs 11.0%). Both pay a dividend; Origin Bancorp, Inc. yields more (1.50% vs 1.42%). Across the 18 metrics below, Origin Bancorp, Inc. leads on 13 and Bank First National Corporation on 5.

Valuation

Metric BFC OBK Banks Regional median
P/E 18.51 12.77 11.87
P/S 5.16 2.69 2.35
P/B 1.98 1.30 1.23
Price to free cash flow 29.32 10.96 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.40% 7.83% 8.34%
Free cash flow yield 3.41% 9.12% 9.37%

Profitability

Metric BFC OBK Banks Regional median
Gross margin 75.32% 70.36% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 21.17% 18.99%
Free cash flow margin 22.18% 27.88% 18.19%
Return on equity 0.00% 10.40% 10.45%
Return on assets 0.00% 1.30% 1.15%
Return on invested capital 11.00% 11.18% 8.54%

Growth

Metric BFC OBK Banks Regional median
Revenue growth (TTM) 31.79% 3.89% 6.56%
EPS growth (last fiscal year) 11.23% (2.04%) 18.85%
Revenue growth, 5-year CAGR 15.32% 15.30% 12.65%
Net income growth, 5-year CAGR 13.51% 15.64% 9.81%

Health

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

Dividend

Metric BFC OBK Banks Regional median
Dividend yield 1.42% 1.50% 2.51%
Payout ratio 0.26 0.19 0.30

Size

Metric BFC OBK Banks Regional median
Market cap 1.63b 1.67b 915.17m

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