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BFC vs QCRH

BFC
Bank First Corporation
BEARISH
Price
$140.87
Market Cap
$1.58B
Sector
Financial Services
AI Confidence
85%
QCRH
QCR Holdings, Inc.
BULLISH
Price
$92.77
Market Cap
$1.55B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BFC
19.67
QCRH
12.1
Forward P/E
BFC
13.13
QCRH
10.8
P/B Ratio
BFC
2.15
QCRH
1.39
P/S Ratio
BFC
9.14
QCRH
4.42
EV/EBITDA
BFC
--
QCRH
--

Profitability

Gross Margin
BFC
0.0%
QCRH
0.0%
Operating Margin
BFC
53.86%
QCRH
41.3%
Profit Margin
BFC
41.42%
QCRH
36.19%
ROE
BFC
11.14%
QCRH
12.06%
ROA
BFC
1.59%
QCRH
1.37%

Growth

Revenue Growth
BFC
9.4%
QCRH
17.1%
Earnings Growth
BFC
6.8%
QCRH
19.4%

Financial Health

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

Dividends

Dividend Yield
BFC
1.3%
QCRH
0.43%
Payout Ratio
BFC
24.9%
QCRH
3.2%

AI Verdict

BFC BEARISH

BFC exhibits significant fundamental weakness, highlighted by a weak Piotroski F-Score of 3/9 and a current price ($140.87) that exceeds both its Graham Number ($102.70) and Intrinsic Value ($123.15). While historical price performance has been strong, the deterministic health indicators and a recent -18.5% earnings surprise suggest a disconnect between market price and underlying financial health. The technical trend is currently rated as bearish (0/100), further compounding the risk of a price correction toward fair value.

Strengths
Strong profit margins (41.42%) and operating margins (53.86%)
Positive YoY revenue growth of 9.40%
Sustainable dividend payout ratio at 24.90%
Risks
Weak Piotroski F-Score (3/9) indicating deteriorating financial health
Trading at a significant premium to Graham Number and Intrinsic Value
Recent sharp earnings miss (-18.5% surprise in the most recent quarter)
QCRH BULLISH

QCRH exhibits a stable financial profile with a Piotroski F-Score of 4/9 and is currently undervalued, trading at $92.77, well below its Graham Number of $105.98 and Intrinsic Value of $220.96. The company demonstrates exceptional operational consistency, having beaten earnings estimates in nearly every quarter over the last 25 reporting periods. While technical trends and insider sentiment are currently bearish, the strong YoY revenue (17.10%) and earnings growth (19.40%) provide a powerful fundamental cushion. The valuation suggests a significant margin of safety for long-term investors.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong growth profile with YoY earnings growth of 19.40%
Trading at a discount to both Graham Number and Intrinsic Value
Risks
Strongly bearish technical trend (10/100) indicating short-term price pressure
Low insider sentiment with net selling activity
Piotroski F-Score of 4/9 indicates only 'Stable' health rather than 'Strong'

Compare Another Pair

BFC vs QCRH: Head-to-Head Comparison

This page compares Bank First Corporation (BFC) and QCR Holdings, Inc. (QCRH) 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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