Contrast Solera National Bancorp (OTCMKTS:SLRK) and Bank First (NASDAQ:BFC)

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Solera National Bancorp (OTCMKTS: SLRKGet a rating) and Bank First (NASDAQ: BFCGet a rating) are both small cap finance companies, but which is the better stock? We’ll compare the two companies based on earnings strength, analyst recommendations, valuation, institutional ownership, dividends, profitability and risk.

Volatility and risk

Solera National Bancorp has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. In comparison, Bank First has a beta of 0.35, indicating that its stock price stock is 65% less volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of Solera National Bancorp and Bank First.

Net margins Return on equity return on assets
Solera National Bancorp 44.06% N / A N / A
Bank first 36.55% 13.94% 1.54%

Valuation and benefits

This table compares the revenue, earnings per share (EPS), and valuation of Solera National Bancorp and Bank First.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Solera National Bancorp $24.93 million 1.81 $11.09 million $2.85 3.68
Bank first $121.90 million 4.40 $45.44 million $5.76 12.36

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

Analyst Recommendations

This is a breakdown of recent ratings from Solera National Bancorp and Bank First, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Solera National Bancorp 0 0 0 0 N / A
Bank first 0 0 1 0 3.00

Bank First has a consensus target price of $84.00, indicating a potential upside of 17.98%. Given Bank First’s possible higher upside, analysts clearly believe that Bank First is more favorable than Solera National Bancorp.

Insider and Institutional Ownership

26.3% of Bank First shares are held by institutional investors. 17.4% of the shares of Solera National Bancorp are held by insiders. By comparison, 7.6% of Bank First shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.

Summary

Bank First beats Solera National Bancorp on 10 out of 13 factors compared between the two stocks.

Solera National Bancorp Company Profile (Get a rating)

Solera National Bancorp, Inc. operates as a bank holding company for Solera National Bank which provides commercial and consumer banking services to small and medium businesses, licensed professionals and individuals in the United States. The Company offers deposit products, including checking and savings accounts, money market accounts, term deposits and certificates of deposit; and business lending products, such as secured home loans, construction loans, small business administration loans, business lines of credit and equipment financing. It also provides Online Banking, Account Analytics, Combo Account Analytics, Trade Scan, Remote Deposit, ACH Creation, Payroll Direct Deposit, Merchant, Fraud, Debit Card professional and cash management services. The company was founded in 2005 and is based in Lakewood, Colorado.

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; Insurance; data processing and other information technologies; 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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