FirstSun Capital Bancorp (NASDAQ:FSUN) vs. Bank First National (NASDAQ:BFC) Head-To-Head Analysis

Bank First National (NASDAQ:BFC) and FirstSun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, risk, institutional ownership, valuation, dividends and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Bank First National	27.70%	12.48%	1.73%
FirstSun Capital Bancorp	6.60%	7.16%	0.92%

Analyst Recommendations

This is a summary of recent recommendations for Bank First National and FirstSun Capital Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank First National	0	2	2	1	2.80
FirstSun Capital Bancorp	0	2	3	1	2.83

Bank First National presently has a consensus price target of $163.00, indicating a potential upside of 7.17%. FirstSun Capital Bancorp has a consensus price target of $45.25, indicating a potential upside of 14.73%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe FirstSun Capital Bancorp is more favorable than Bank First National.

Institutional and Insider Ownership

30.0% of Bank First National shares are held by institutional investors. 5.0% of Bank First National shares are held by insiders. Comparatively, 10.5% of FirstSun Capital Bancorp 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.

Volatility & Risk

Bank First National has a beta of 0.41, suggesting that its share price is 59% less volatile than the S&P 500. Comparatively, FirstSun Capital Bancorp has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500.

Earnings & Valuation

This table compares Bank First National and FirstSun Capital Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank First National	$214.68 million	7.85	$71.50 million	$7.69	19.78
FirstSun Capital Bancorp	$569.65 million	3.22	$97.94 million	$1.97	20.02

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

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.