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BFC vs V

BFC
Bank First Corporation
NEUTRAL
Price
$137.32
Market Cap
$1.54B
Sector
Financial Services
AI Confidence
72%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BFC
19.13
V
28.35
Forward P/E
BFC
12.92
V
20.79
P/B Ratio
BFC
2.15
V
15.09
P/S Ratio
BFC
9.13
V
14.08
EV/EBITDA
BFC
--
V
20.06

Profitability

Gross Margin
BFC
0.0%
V
97.78%
Operating Margin
BFC
54.74%
V
68.3%
Profit Margin
BFC
41.86%
V
50.23%
ROE
BFC
11.24%
V
53.95%
ROA
BFC
1.62%
V
18.36%

Growth

Revenue Growth
BFC
6.8%
V
14.6%
Earnings Growth
BFC
10.9%
V
17.4%

Financial Health

Debt/Equity
BFC
--
V
0.55
Current Ratio
BFC
--
V
1.11
Quick Ratio
BFC
--
V
0.72

Dividends

Dividend Yield
BFC
1.33%
V
0.89%
Payout Ratio
BFC
25.32%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BFC vs V: Head-to-Head Comparison

This page compares Bank First Corporation (BFC) and Visa Inc. (V) 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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