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BFC vs JPM

BFC
Bank First Corporation
NEUTRAL
Price
$137.32
Market Cap
$1.54B
Sector
Financial Services
AI Confidence
72%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BFC
19.13
JPM
14.69
Forward P/E
BFC
12.92
JPM
12.62
P/B Ratio
BFC
2.15
JPM
2.32
P/S Ratio
BFC
9.13
JPM
4.72
EV/EBITDA
BFC
--
JPM
--

Profitability

Gross Margin
BFC
0.0%
JPM
0.0%
Operating Margin
BFC
54.74%
JPM
41.06%
Profit Margin
BFC
41.86%
JPM
33.91%
ROE
BFC
11.24%
JPM
16.13%
ROA
BFC
1.62%
JPM
1.35%

Growth

Revenue Growth
BFC
6.8%
JPM
2.5%
Earnings Growth
BFC
10.9%
JPM
-3.6%

Financial Health

Debt/Equity
BFC
--
JPM
--
Current Ratio
BFC
--
JPM
--
Quick Ratio
BFC
--
JPM
--

Dividends

Dividend Yield
BFC
1.33%
JPM
2.11%
Payout Ratio
BFC
25.32%
JPM
28.97%

AI Verdict

BFC NEUTRAL

The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant concerns in profitability, leverage, and operating efficiency. Despite strong profitability margins and solid earnings growth, the lack of Altman Z-Score data and incomplete balance sheet metrics (Debt/Equity, Cash, Debt) limits confidence in financial stability. The stock trades above the Graham Number of $101.58 but below the analyst target of $151.00, suggesting mixed valuation signals. While earnings momentum and insider sentiment are moderately positive, technical trend and dividend strength remain weak, resulting in a balanced but cautious outlook.

Strengths
High operating and profit margins (54.74% and 41.86% respectively) outperform sector averages
Strong year-over-year earnings growth of 14.9% and revenue growth of 6.80%
Consistently beats earnings estimates over recent quarters with positive surprises in 7 of last 8 quarters
Risks
Piotroski F-Score of 3/9 signals weak financial health, particularly in asset utilization and leverage trends
Missing Altman Z-Score and key financials (Debt/Equity, Cash, Debt) create uncertainty in solvency assessment
Technical trend score of 10/100 indicates strong bearish momentum near 52-week high
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

BFC vs JPM: Head-to-Head Comparison

This page compares Bank First Corporation (BFC) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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