Standard Chartered (OTC:SCBFF) and Bank First (NASDAQ:BFC) Financial Comparison

Standard Chartered (OTC:SCBFF) and Bank First (NASDAQ:BFC) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, valuation, profitability and analyst recommendations.

Insider & Institutional Ownership

30.0% of Bank First shares are held by institutional investors. 3.4% of Bank First shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations for Standard Chartered and Bank First, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Standard Chartered	0	0	0	1	4.00
Bank First	0	1	1	0	2.50

Bank First has a consensus target price of $120.50, suggesting a potential upside of 7.97%. Given Bank First’s higher possible upside, analysts plainly believe Bank First is more favorable than Standard Chartered.

Profitability

This table compares Standard Chartered and Bank First’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Standard Chartered	10.92%	9.49%	0.58%
Bank First	29.00%	10.53%	1.56%

Dividends

Standard Chartered pays an annual dividend of $0.56 per share and has a dividend yield of 3.5%. Bank First pays an annual dividend of $1.80 per share and has a dividend yield of 1.6%. Standard Chartered pays out 38.1% of its earnings in the form of a dividend. Bank First pays out 26.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Bank First has raised its dividend for 10 consecutive years.

Valuation & Earnings

This table compares Standard Chartered and Bank First”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Standard Chartered	$37.48 billion	1.04	$3.47 billion	$1.47	10.81
Bank First	$159.80 million	6.93	$65.56 million	$6.81	16.39

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

Risk & Volatility

Standard Chartered has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, Bank First has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500.

Summary

Bank First beats Standard Chartered on 12 of the 18 factors compared between the two stocks.

About Standard Chartered

Standard Chartered PLC, together with its subsidiaries, provides various banking products and services in Asia, Africa, the Middle East, Europe, and the Americas. The company operates in three segments: Corporate, Commercial & Institutional Banking; Consumer, Private & Business Banking; and Ventures. It offers retail products, such as deposits, mortgages, credit cards, and personal loans; wealth management products and services that include investments, portfolio management, insurance, and wealth advice; and transaction banking services, such as cash management, working capital, and trade financing products. The company provides financial markets products and services that comprise project and export financing; debt capital markets and leveraged financing; financing and securities services; sales and structuring; macro, commodities, and credit trading; and market research services. In addition, it offers digital banking solutions. It serves financial institutions, governments, banks, investors, corporations, small to medium-sized businesses, and individuals. Standard Chartered PLC was founded in 1853 and is headquartered in London, the United Kingdom.

About Bank First

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.