Citigroup (NYSE:C – received rating) and bank first (NASDAQ:BFC – received rating) are both financial companies, but which is the better investment? We’ll contrast the two companies based on the strength of their institutional ownership, valuation, dividends, profitability, earnings, analyst recommendations, and risk.
Citigroup pays an annual dividend of $2.04 per share and has a dividend yield of 4.0%. Bank First pays an annual dividend of $0.88 per share and has a dividend yield of 1.2%. Citigroup pays out 24.1% of its earnings in the form of a dividend. Bank First pays out 14.9% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with profits for the next several years. Bank First has increased its dividend for two years in a row.
risk and volatility
Citigroup has a beta of 1.67, meaning its stock price is 67% more volatile than the S&P 500. In comparison, Bank First has a beta of 0.36, meaning its stock price is 64% less volatile than the S&P 500 S&P 500.
evaluation and result
This table compares the revenue, earnings per share (EPS) and valuation of Citigroup and Bank First.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|Citigroup||$79.87 billion||1.27||$21.95 billion||$8.48||6.04|
|bench first||$121.90 million||4.46||$45.44 million||$5.91||12.13|
Citigroup has higher revenues and profits than Bank First. Citigroup is trading at a lower price-to-earnings multiple than Bank First, suggesting it’s the cheaper of the two stocks at the moment.
Institutional and Insider Ownership
72.1% of Citigroup shares are held by institutional investors. In comparison, 26.1% of Bank First shares are held by institutional investors. 0.1% of Citigroup shares are held by company insiders. In comparison, 7.6% of Bank First shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large wealth managers believe a company is poised for long-term growth.
This table compares the net margins, return on equity, and return on assets of Citigroup and Bank First.
|net margins||return on equity||return on investment|
This is a breakdown of the current recommendations for Citigroup and Bank First as reported by MarketBeat.com.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
Citigroup currently has a consensus price target of $72.10, indicating a potential upside of 40.73%. Bank First has a consensus target of $84.00, indicating a potential upside of 17.19%. Given Citigroup’s more likely upside potential, analysts clearly believe that Citigroup has a better advantage than Bank First.
Bank First beats Citigroup on 9 of the 17 factors compared between the two stocks.
Citigroup Company Profile (received rating)
Citigroup Inc., a diversified financial services holding company, provides a variety of financial products and services to consumers, businesses, governments and institutions in North America, Latin America, Asia, Europe, the Middle East and Africa. The Company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment provides traditional banking services to consumers through retail banking, Citi cards and Citi retail services. It also offers various banking, credit card, loan and investment services through a network of local branches, bureaus and electronic delivery systems. The ICG segment provides wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivatives, equity and fixed income analysis, corporate lending, investment banking and advisory, private banking, cash management, trade finance , and investment services for corporate, institutional, public and wealthy clients. As of December 31, 2021, the Company operated 2,154 stores primarily in the United States, Mexico and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
Bank First company profile (received rating)
Bank First Corporation acts as the holding company for Bank First NA, which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government agencies. The company offers checking, savings, money market, cash management, retirement and health savings accounts; other term deposits; certificates of deposit; and residential mortgage products. It also offers credit cards; ATM processing; Insurance; data processing and other information technologies; investment and custody; treasury management; and online, telephone and mobile banking services. The Company’s lending products include real estate loans, including commercial real estate, residential mortgages and home equity loans; trade and industrial loans for working capital, accounts receivable, inventory financing and other business purposes; construction and development loans; home loans for 1-4 families; and consumer credit for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
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