Citigroup (NYSE:C – Get a rating) and Bank First (NASDAQ: BFC – Get a rating) are both finance companies, but which is the superior investment? We’ll compare the two companies based on the strength of their institutional ownership, valuation, dividends, profitability, earnings, analyst recommendations and risk.
Dividends
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 profits as a dividend. Bank First pays 14.9% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Bank First has increased its dividend for 2 consecutive years.
Risk and Volatility
Citigroup has a beta of 1.67, which means its stock price is 67% more volatile than the S&P 500. In comparison, Bank First has a beta of 0.36, which means its stock price is 64% less volatile than the S&P 500.
Valuation and benefits
This table compares the revenue, earnings per share (EPS) and valuation of Citigroup and Bank First.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Citigroup | $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 revenue and profit than Bank First. Citigroup trades at a lower price-to-earnings ratio than Bank First, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
72.1% of Citigroup shares are held by institutional investors. By comparison, 26.1% of Bank First’s shares are held by institutional investors. 0.1% of Citigroup shares are held by company insiders. By comparison, 7.6% of Bank First shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.
Profitability
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 | |
| Citigroup | 22.95% | 10.96% | 0.86% |
| Bank first | 37.28% | 14.51% | 1.59% |
Analyst Notes
This is a breakdown of the current recommendations for Citigroup and Bank First, as reported by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Citigroup | 1 | 6 | 6 | 0 | 2.38 |
| Bank first | 0 | 0 | 1 | 0 | 3.00 |
Citigroup currently has a consensus target price of $72.10, indicating a potential upside of 40.73%. Bank First has a consensus target price of $84.00, indicating a potential upside of 17.19%. Given Citigroup’s likely higher upside, analysts clearly think Citigroup is more favorable than Bank First.
Summary
Bank First beats Citigroup on 9 out of 17 factors compared between the two stocks.
Citigroup Company Profile (Get a rating)
Citigroup Inc., a diversified financial services holding company, provides a variety of financial products and services to consumers, businesses, 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, lending 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, private banking, cash management, trade finance, and securities services to corporations, institutions, the public sector, and high net worth clients. As of December 31, 2021, it operated 2,154 branches primarily 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 a rating)
Bank First Corporation operates as a holding company for Bank First NA which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government authorities. The company offers checking, savings, money market, cash management, retirement and health savings accounts; other term deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; Assurance; data processing and other information technology; investment and custody; finance management; and online, telephone and mobile banking. The Company’s lending products include real estate loans, including commercial real estate loans, 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 for 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 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.
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