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BFC vs TCBK

BFC
Bank First Corporation
BEARISH
Price
$140.87
Market Cap
$1.58B
Sector
Financial Services
AI Confidence
85%
TCBK
TriCo Bancshares
NEUTRAL
Price
$49.33
Market Cap
$1.59B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BFC
19.67
TCBK
12.88
Forward P/E
BFC
13.13
TCBK
11.7
P/B Ratio
BFC
2.15
TCBK
1.2
P/S Ratio
BFC
9.14
TCBK
3.81
EV/EBITDA
BFC
--
TCBK
--

Profitability

Gross Margin
BFC
0.0%
TCBK
0.0%
Operating Margin
BFC
53.86%
TCBK
43.72%
Profit Margin
BFC
41.42%
TCBK
30.99%
ROE
BFC
11.14%
TCBK
9.99%
ROA
BFC
1.59%
TCBK
1.3%

Growth

Revenue Growth
BFC
9.4%
TCBK
10.7%
Earnings Growth
BFC
6.8%
TCBK
30.0%

Financial Health

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

Dividends

Dividend Yield
BFC
1.3%
TCBK
2.78%
Payout Ratio
BFC
24.9%
TCBK
35.79%

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)
TCBK NEUTRAL

TCBK presents a stark dichotomy between strong growth and deteriorating fundamental health, evidenced by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($59.49) and Intrinsic Value ($112.98), the bearish technical trend (10/100) and poor health score suggest underlying operational or liquidity risks. Strong earnings growth (30% YoY) and consistent estimate beats provide a bullish counter-narrative, but the fundamental health red flags necessitate a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (30% YoY) and consistent quarterly beats
Sustainable dividend profile with a low payout ratio (35.79%)
Risks
Critical fundamental health weakness indicated by Piotroski F-Score (2/9)
Severe bearish technical trend (10/100) suggesting strong selling pressure
Exposure to Commercial Real Estate (CRE) and credit loss management (CECL)

Compare Another Pair

BFC vs TCBK: Head-to-Head Comparison

This page compares Bank First Corporation (BFC) and TriCo Bancshares (TCBK) 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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