Bank First [BFC] vs PNC Financial [PNC] Detailed Stock Comparison

Bank First Corporation

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Bank First Corporation wins in 7 metrics, PNC Financial Services Group, Inc. wins in 12 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bank First Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 19.94 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.97 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.19 1.12 Bank First Corporation
PEG Ratio 13.83 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 37.83% 28.75% Bank First Corporation
Operating Margin (TTM) 42.87% 35.28% Bank First Corporation
EBITDA Margin (TTM) 42.87% 35.28% Bank First Corporation
Return on Equity 9.98% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.39% 1.09% Bank First Corporation
Free Cash Flow (TTM) $51.04M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.16% 3.02% Bank First Corporation
1-Year Return 29.58% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 8.36 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.34B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 6.94 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $19 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $7.23 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.40 1.07 Bank First Corporation
Short % of Float 3.42% 1.26% PNC Financial Services Group, Inc.

Bank First Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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BFC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bank First Corporation-1.54%0.88%1.27%4.87%5.48%18.49%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bank First Corporation29.58%69.42%104.80%413.84%936.86%706.44%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Bank First Corporation vs PNC Financial Services Group, Inc.

MetricBFCPNC
Market Information
Market Cap i$1.62B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i88,3601,904,080
90 Day Avg. Volume i94,8901,960,760
Last Close$142.93$230.56
52 Week Range$109.11 - $153.00$172.88 - $243.94
% from 52W High-6.58%-5.48%
All-Time High$153.07 (Feb 09, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-6.62%-5.48%
Growth Metrics
Quarterly Revenue Growth0.49%0.05%
Quarterly Earnings Growth0.10%0.11%
Financial Health
Profit Margin (TTM) i0.38%0.29%
Operating Margin (TTM) i0.43%0.35%
Return on Equity (TTM) i0.10%0.11%
Debt to Equity (MRQ) i0.191.12
Cash & Liquidity
Book Value per Share (MRQ)$73.06$127.98
Cash per Share (MRQ)$35.52$27.54
Operating Cash Flow (TTM) i$70.22M$5.61B
Levered Free Cash Flow (TTM) i$71.15M$5.50B
Dividends
Last 12-Month Dividend Yield i4.16%3.02%
Last 12-Month Dividend i$5.80$6.70

Valuation & Enterprise Metrics Analysis: Bank First Corporation vs PNC Financial Services Group, Inc.

MetricBFC (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i19.9412.56
Forward P/E i13.8311.84
PEG Ratio i13.8311.84
Price to Sales (TTM) i8.363.35
Price to Book (MRQ) i1.971.39
Market Capitalization
Market Capitalization i$1.62B$70.31B
Enterprise Value i$1.34B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i6.946.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.401.07
Book Value per Share (MRQ) i$73.06$127.98

Financial Statements Comparison: Bank First Corporation vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBFC (2025)PNC (2024)
Revenue/Sales i170.12M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i88.17M7.24B
Pre-Tax Income % of Revenue i51.8%34.8%
Income Tax i16.67M1.29B
Income Tax % of Revenue i9.8%6.2%
Net Income (Profit) i71.50M5.95B
Profit Margin i42.0%28.6%

Balance Sheet & Liquidity Metrics

MetricBFC (2025)PNC (2024)
Cash & Equivalents i243.21M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i91.97M61.67B
Long-Term Debt % of Revenue i54.1%296.4%
Total Shareholders Equity i643.84M54.47B
Retained Earnings i417.00M59.28B
Retained Earnings % of Revenue i245.1%284.9%
Property, Plant & Equipment i1.59MN/A

Cash Flow Statement Comparison

MetricBFC (2025)PNC (2024)
Operating Cash Flow i70.22M7.96B
Operating Cash Flow % of Revenue i41.3%38.3%
Capital Expenditures i-11.44MN/A
Free Cash Flow i51.04M7.88B
FCF Margin i30.0%37.9%
Debt Repayment i-245.51M-23.75B
Common Stock Repurchase i-22.04M-1.19B

Short Interest & Institutional Ownership Analysis

MetricBFCPNC
Shares Short i371,9174.98M
Short Ratio i3.922.41
Short % of Float i3.42%1.26%
Shares Outstanding i9.83M395.94M
Float Shares i10.11M392.38M
% Held by Insiders i9.49%0.38%
% Held by Institutions i33.60%85.29%
% Held by Public i56.91%14.33%

Dividend Analysis & Yield Comparison: Bank First Corporation vs PNC Financial Services Group, Inc.

MetricBFCPNC
Last 12-Month Dividend i$5.80$6.70
Last 12-Month Dividend Yield i4.16%3.02%
3-Year Avg Annual Dividend i$2.83$6.40
3-Year Avg Dividend Yield i0.58%1.00%
3-Year Total Dividends i$8.50$19.20
Ex-Dividend DateMar 25, 2026Jan 20, 2026