Bank First National (NASDAQ:BFC – Get Free Report) and CB Financial Services (NASDAQ:CBFV – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, valuation, dividends and profitability.
Dividends
Bank First National pays an annual dividend of $2.20 per share and has a dividend yield of 1.5%. CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. Bank First National pays out 30.6% of its earnings in the form of a dividend. CB Financial Services pays out 86.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Bank First National has increased its dividend for 10 consecutive years.
Profitability
This table compares Bank First National and CB Financial Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank First National | 27.49% | 11.89% | 1.66% |
| CB Financial Services | 8.32% | 10.07% | 1.00% |
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank First National | 0 | 2 | 3 | 0 | 2.60 |
| CB Financial Services | 0 | 2 | 2 | 0 | 2.50 |
Bank First National presently has a consensus target price of $161.00, suggesting a potential upside of 8.85%. CB Financial Services has a consensus target price of $41.00, suggesting a potential upside of 8.07%. Given Bank First National’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Bank First National is more favorable than CB Financial Services.
Insider and Institutional Ownership
30.0% of Bank First National shares are owned by institutional investors. Comparatively, 33.1% of CB Financial Services shares are owned by institutional investors. 5.0% of Bank First National shares are owned by company insiders. Comparatively, 10.2% of CB Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Earnings and Valuation
This table compares Bank First National and CB Financial Services”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bank First National | $243.93 million | 6.77 | $71.50 million | $7.19 | 20.57 |
| CB Financial Services | $80.52 million | 2.39 | $4.90 million | $1.29 | 29.41 |
Bank First National has higher revenue and earnings than CB Financial Services. Bank First National is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Bank First National has a beta of 0.42, meaning that its stock price is 58% less volatile than the S&P 500. Comparatively, CB Financial Services has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500.
Summary
Bank First National beats CB Financial Services on 13 of the 17 factors compared between the two stocks.
About Bank First National
Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. It offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. 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.
About CB Financial Services
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
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