Bank First [BFC] vs Nu Holdings [NU] Detailed Stock Comparison
Bank First
Nu Holdings
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Bank First wins in 10 metrics, Nu Holdings wins in 7 metrics, with 0 ties. Bank First appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Bank First | Nu Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.24 | 32.19 | Bank First |
| Price-to-Book Ratio | 2.14 | 7.64 | Bank First |
| Debt-to-Equity Ratio | 0.20 | 0.36 | Bank First |
| PEG Ratio | 2.55 | 1.09 | Nu Holdings |
| Profit Margin (TTM) | 41.69% | 39.32% | Bank First |
| Operating Margin (TTM) | 53.24% | 54.14% | Nu Holdings |
| EBITDA Margin (TTM) | 53.24% | 54.14% | Nu Holdings |
| Return on Equity | 11.28% | 27.88% | Nu Holdings |
| Return on Assets (TTM) | 1.63% | 4.28% | Nu Holdings |
| Free Cash Flow (TTM) | $58.62M | $2.22B | Nu Holdings |
| Dividend Yield | 4.40% | N/A | N/A |
| 1-Year Return | 44.12% | 12.11% | Bank First |
| Price-to-Sales Ratio (TTM) | 7.92 | 12.50 | Bank First |
| Enterprise Value | $1.31B | $62.48B | Nu Holdings |
| EV/Revenue Ratio | 7.87 | 10.68 | Bank First |
| Revenue per Share (TTM) | $17 | $1 | Bank First |
| Earnings per Share (Diluted) | $6.93 | $0.47 | Bank First |
| Beta (Stock Volatility) | 0.38 | 1.09 | Bank First |
Bank First vs Nu Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Bank First | -1.87% | 3.83% | 0.61% | 4.98% | 27.15% | 32.37% |
| Nu Holdings | -2.93% | 0.99% | -0.58% | 12.68% | 40.75% | 44.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bank First | 44.12% | 65.30% | 102.30% | 447.16% | 989.70% | 598.00% |
| Nu Holdings | 12.11% | 273.06% | 29.70% | 29.70% | 29.70% | 29.70% |
News Based Sentiment: Bank First vs Nu Holdings
Bank First
News based Sentiment: POSITIVE
Bank First National is showing strong financial performance with solid margins, returns, and consistent dividend growth. The upcoming Q3 earnings report is a key event, and analysts are optimistic. While investor search interest decreased, the overall narrative is positive due to the company's underlying strength.
Nu Holdings
News based Sentiment: POSITIVE
Nu Holdings demonstrated strong financial performance in Q2 2025 and made a significant strategic move by applying for a U.S. bank charter. These developments, coupled with continued customer growth and positive analyst sentiment, suggest a positive trajectory for the company, though the U.S. expansion introduces new risks.
Performance & Financial Health Analysis: Bank First vs Nu Holdings
| Metric | BFC | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $1.32B | $74.71B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 81,458 | 48,849,330 |
| 90 Day Avg. Volume | 93,403 | 47,124,900 |
| Last Close | $126.72 | $14.92 |
| 52 Week Range | $86.11 - $134.74 | $9.01 - $16.42 |
| % from 52W High | -5.95% | -9.16% |
| All-Time High | $134.74 (Oct 07, 2025) | $16.42 (Sep 23, 2025) |
| % from All-Time High | -5.95% | -9.14% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.07% | 0.14% |
| Quarterly Earnings Growth | 0.05% | 0.31% |
| Financial Health | ||
| Profit Margin (TTM) | 0.42% | 0.39% |
| Operating Margin (TTM) | 0.53% | 0.54% |
| Return on Equity (TTM) | 0.11% | 0.28% |
| Debt to Equity (MRQ) | 0.20 | 0.36 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $62.27 | $1.98 |
| Cash per Share (MRQ) | $12.24 | $2.92 |
| Operating Cash Flow (TTM) | $67.61M | $-7,625,014,784 |
| Levered Free Cash Flow (TTM) | $65.21M | $1.97B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.40% | N/A |
| Last 12-Month Dividend | $5.70 | N/A |
Valuation & Enterprise Metrics Analysis: Bank First vs Nu Holdings
| Metric | BFC | NU |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.24 | 32.19 |
| Forward P/E | 19.90 | 24.40 |
| PEG Ratio | 2.55 | 1.09 |
| Price to Sales (TTM) | 7.92 | 12.50 |
| Price to Book (MRQ) | 2.14 | 7.64 |
| Market Capitalization | ||
| Market Capitalization | $1.32B | $74.71B |
| Enterprise Value | $1.31B | $62.48B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 7.87 | 10.68 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.38 | 1.09 |
| Book Value per Share (MRQ) | $62.27 | $1.98 |
Financial Statements Comparison: Bank First vs Nu Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | BFC | NU |
|---|---|---|
| Revenue/Sales | $40.63M | $2.25B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $20.67M | $795.07M |
| Income Tax | $3.79M | $237.87M |
| Net Income (Profit) | $16.88M | $557.21M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BFC | NU |
|---|---|---|
| Cash & Equivalents | $300.87M | $14.93B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $146.89M | $26.70M |
| Total Shareholders Equity | $648.41M | $8.61B |
| Retained Earnings | $411.75M | $4.03B |
| Property, Plant & Equipment | N/A | $46.08M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BFC | NU |
|---|---|---|
| Operating Cash Flow | $8.89M | $3.21B |
| Capital Expenditures | $-2.15M | $-2.40M |
| Free Cash Flow | $4.01M | $1.00B |
| Debt Repayment | $-508,000 | $-356.77M |
| Common Stock Repurchase | $-6.38M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | BFC | NU |
|---|---|---|
| Shares Short | 280,266 | 115.89M |
| Short Ratio | 3.11 | 2.03 |
| Short % of Float | 0.03% | 0.03% |
| Average Daily Volume (10 Day) | 81,458 | 48,849,330 |
| Average Daily Volume (90 Day) | 93,403 | 47,124,900 |
| Shares Outstanding | 10.01M | 4.82B |
| Float Shares | 8.83M | 3.61B |
| % Held by Insiders | 0.09% | 0.05% |
| % Held by Institutions | 0.34% | 0.80% |
Dividend Analysis & Yield Comparison: Bank First vs Nu Holdings
| Metric | BFC | NU |
|---|---|---|
| Last 12-Month Dividend | $5.70 | N/A |
| Last 12-Month Dividend Yield | 4.40% | N/A |
| 3-Year Avg Annual Dividend | $2.68 | N/A |
| 3-Year Avg Dividend Yield | 0.57% | N/A |
| 3-Year Total Dividends | $8.05 | N/A |
| Ex-Dividend Date | Sep 24, 2025 | N/A |