Citigroup (New York Stock Exchange:C – get rating) and First Bank (NASDAQ: BFC – get rating) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, valuation, dividends, profitability, earnings, analyst recommendations, and risk.
Citigroup pays an annual dividend of $2.04 per share and has a dividend yield of 4.0%. Bank First pays an annual dividend of $0.88 per share and has a dividend yield of 1.2%. Citigroup pays 24.1% of its earnings as a dividend. Bank First pays out 14.9% of its earnings as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for years to come. Bank First has increased its dividend for 2 years in a row.
Risk and volatility
Citigroup has a beta of 1.67, meaning its share price is 67% more volatile than the S&P 500. Comparatively, Bank First has a beta of 0.36, meaning its share price it is 64% less volatile than the S&P 500.
Valuation and Earnings
This table compares top-tier revenue, earnings per share (EPS), and valuation for Citigroup and Bank First.
|Gross income||Price/Sales Ratio||Net income||earnings per share||Rate of earnings on price|
|Citi Group||$79.87 billion||1.27||$21.95 billion||$8.48||6.04|
|bank first||$121.90 million||4.46||$45.44 million||$5.91||12.13|
Citigroup has higher revenues and profits than Bank First. Citigroup trades at a lower price-earnings ratio than Bank First, indicating that it is currently the more affordable of the two stocks.
Institutional and internal property
72.1% of Citigroup shares are held by institutional investors. Comparatively, 26.1% of Bank First shares are held by institutional investors. 0.1% of Citigroup shares are held by insiders of the company. Comparatively, 7.6% of Bank First shares are held by insiders of the company. Strong institutional ownership is an indication that endowments, hedge funds, and big money managers believe a company is poised for long-term growth.
This table compares the net margins, return on equity, and return on assets of Citigroup and Bank First.
|net margins||Return on equity||Return on assets|
This is a breakdown of current recommendations for Citigroup and Bank First, as reported by MarketBeat.com.
|sales ratings||retention ratings||Buy grades||Strong purchase ratings||Rating Score|
Citigroup currently has a consensus price target of $72.10, indicating 40.73% upside potential. Bank First has a consensus price target of $84.00, indicating 17.19% upside potential. Given Citigroup’s likely higher upside potential, analysts clearly believe that Citigroup is more favorable than Bank First.
Bank First outperforms Citigroup in 9 of 17 factors compared between the two stocks.
Citigroup Company Profile (get rating)
Citigroup Inc., a diversified financial services holding company, offers various financial products and services to consumers, corporations, governments and institutions in North America, Latin America, Asia, Europe, the Middle East and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards and Citi retail services. It also provides various banking, credit card, loan and investment services through a network of local branches, offices and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivatives research, equity and fixed income, corporate lending, investment banking and advisory, banking private, cash management, trade finance, and securities services to corporate, institutional, public sector, and high net worth clients. As of December 31, 2021, it operated 2,154 branches, mainly in the United States, Mexico and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
Bank First company profile (get rating)
Bank First Corporation operates as a holding company of Bank First NA providing business and consumer financial services to businesses, professionals, consumers, associations, individuals and government authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement and health accounts; other term deposits; Deposit certificates; and residential mortgage products. It also offers credit cards; ATM processing; sure; data processing and other information technologies; investment and custody; Treasury administration; and online, telephone and mobile banking services. The company’s loan products include real estate loans, including commercial real estate, residential mortgages and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential loans from 1 to 4 families; and consumer loans for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe and Jefferson counties in Wisconsin. The company was previously 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.
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