Analyzing CFSB Bancorp (NASDAQ:CFSB) and Bank First National (NASDAQ:BFC)

Bank First National (NASDAQ:BFC) and CFSB Bancorp (NASDAQ:CFSB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, profitability, earnings, analyst recommendations and dividends.

Earnings & Valuation

This table compares Bank First National and CFSB Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank First National	$226.09 million	0.84	$65.56 million	$7.11	18.09
CFSB Bancorp	$13.77 million	6.76	-$260,000.00	($0.04)	-355.50

Bank First National has higher revenue and earnings than CFSB Bancorp. CFSB Bancorp is trading at a lower price-to-earnings ratio than Bank First National, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

30.0% of Bank First National shares are held by institutional investors. Comparatively, 1.4% of CFSB Bancorp shares are held by institutional investors. 3.4% of Bank First National shares are held by company insiders. Comparatively, 4.9% of CFSB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Bank First National and CFSB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank First National	29.34%	11.25%	1.60%
CFSB Bancorp	-1.92%	-0.35%	-0.07%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Bank First National and CFSB Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank First National	0	1	2	0	2.67
CFSB Bancorp	0	1	0	0	2.00

Bank First National presently has a consensus price target of $146.00, suggesting a potential upside of 13.53%. Given Bank First National’s stronger consensus rating and higher probable upside, research analysts plainly believe Bank First National is more favorable than CFSB Bancorp.

Risk and Volatility

Bank First National has a beta of 0.39, suggesting that its share price is 61% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.5, suggesting that its share price is 50% less volatile than the S&P 500.

Summary

Bank First National beats CFSB Bancorp on 11 of the 14 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 CFSB Bancorp

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.