Bank First [BFC] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Bank First Corporation wins in 9 metrics, U.S. Bancorp wins in 10 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Bank First Corporation | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.94 | 11.92 | U.S. Bancorp |
| Price-to-Book Ratio | 1.97 | 1.51 | U.S. Bancorp |
| Debt-to-Equity Ratio | 0.19 | 1.21 | Bank First Corporation |
| PEG Ratio | 13.83 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | 37.83% | 29.29% | Bank First Corporation |
| Operating Margin (TTM) | 42.87% | 37.84% | Bank First Corporation |
| EBITDA Margin (TTM) | 42.87% | 37.84% | Bank First Corporation |
| Return on Equity | 9.98% | 12.35% | U.S. Bancorp |
| Return on Assets (TTM) | 1.39% | 1.14% | Bank First Corporation |
| Free Cash Flow (TTM) | $51.04M | $7.97B | U.S. Bancorp |
| Dividend Yield | 4.16% | 3.82% | Bank First Corporation |
| 1-Year Return | 29.58% | 37.10% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 8.36 | 3.32 | U.S. Bancorp |
| Enterprise Value | $1.34B | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 6.94 | 4.75 | U.S. Bancorp |
| Revenue per Share (TTM) | $19 | $17 | Bank First Corporation |
| Earnings per Share (Diluted) | $7.23 | $4.77 | Bank First Corporation |
| Beta (Stock Volatility) | 0.40 | 1.03 | Bank First Corporation |
| Short % of Float | 3.42% | 0.00% | U.S. Bancorp |
Bank First Corporation vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Bank First Corporation | -1.54% | 0.88% | 1.27% | 4.87% | 5.48% | 18.49% |
| U.S. Bancorp | -1.95% | 4.41% | 8.79% | 12.96% | 7.60% | 7.16% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bank First Corporation | 29.58% | 69.42% | 104.80% | 413.84% | 936.86% | 706.44% |
| U.S. Bancorp | 37.10% | 76.20% | 7.67% | 43.37% | 140.67% | 88.43% |
Performance & Financial Health Analysis: Bank First Corporation vs U.S. Bancorp
| Metric | BFC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.62B | $88.06B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 88,360 | 9,829,002 |
| 90 Day Avg. Volume | 94,890 | 10,401,007 |
| Last Close | $142.93 | $57.79 |
| 52 Week Range | $109.11 - $153.00 | $42.55 - $61.19 |
| % from 52W High | -6.58% | -5.56% |
| All-Time High | $153.07 (Feb 09, 2026) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -6.62% | -9.09% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.49% | 0.05% |
| Quarterly Earnings Growth | 0.10% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.38% | 0.29% |
| Operating Margin (TTM) | 0.43% | 0.38% |
| Return on Equity (TTM) | 0.10% | 0.12% |
| Debt to Equity (MRQ) | 0.19 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $73.06 | $37.54 |
| Cash per Share (MRQ) | $35.52 | $31.14 |
| Operating Cash Flow (TTM) | $70.22M | $6.04B |
| Levered Free Cash Flow (TTM) | $71.15M | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.16% | 3.82% |
| Last 12-Month Dividend | $5.80 | $2.04 |
Valuation & Enterprise Metrics Analysis: Bank First Corporation vs U.S. Bancorp
| Metric | BFC (Apr 26, 2026) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.94 | 11.92 |
| Forward P/E | 13.83 | 10.09 |
| PEG Ratio | 13.83 | 0.82 |
| Price to Sales (TTM) | 8.36 | 3.32 |
| Price to Book (MRQ) | 1.97 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $1.62B | $88.06B |
| Enterprise Value | $1.34B | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.94 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.40 | 1.03 |
| Book Value per Share (MRQ) | $73.06 | $37.54 |
Financial Statements Comparison: Bank First Corporation vs U.S. Bancorp
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | BFC (2025) | USB (2025) |
|---|---|---|
| Revenue/Sales | 170.12M | 28.54B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 88.17M | 9.52B |
| Pre-Tax Income % of Revenue | 51.8% | 33.3% |
| Income Tax | 16.67M | 1.92B |
| Income Tax % of Revenue | 9.8% | 6.7% |
| Net Income (Profit) | 71.50M | 7.60B |
| Profit Margin | 42.0% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | BFC (2025) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 243.21M | 46.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 91.97M | 60.76B |
| Long-Term Debt % of Revenue | 54.1% | 212.9% |
| Total Shareholders Equity | 643.84M | 65.65B |
| Retained Earnings | 417.00M | 80.91B |
| Retained Earnings % of Revenue | 245.1% | 283.5% |
| Property, Plant & Equipment | 1.59M | 1.51B |
Cash Flow Statement Comparison
| Metric | BFC (2025) | USB (2025) |
|---|---|---|
| Operating Cash Flow | 70.22M | 6.04B |
| Operating Cash Flow % of Revenue | 41.3% | 21.2% |
| Capital Expenditures | -11.44M | N/A |
| Free Cash Flow | 51.04M | 7.97B |
| FCF Margin | 30.0% | 27.9% |
| Debt Repayment | -245.51M | -9.05B |
| Common Stock Repurchase | -22.04M | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | BFC | USB |
|---|---|---|
| Shares Short | 371,917 | 27,002 |
| Short Ratio | 3.92 | 0.00 |
| Short % of Float | 3.42% | 0.00% |
| Shares Outstanding | 9.83M | 1.56B |
| Float Shares | 10.11M | 1.55B |
| % Held by Insiders | 9.49% | 0.14% |
| % Held by Institutions | 33.60% | 83.55% |
| % Held by Public | 56.91% | 16.31% |
Dividend Analysis & Yield Comparison: Bank First Corporation vs U.S. Bancorp
| Metric | BFC | USB |
|---|---|---|
| Last 12-Month Dividend | $5.80 | $2.04 |
| Last 12-Month Dividend Yield | 4.16% | 3.82% |
| 3-Year Avg Annual Dividend | $2.83 | $1.98 |
| 3-Year Avg Dividend Yield | 0.58% | 1.19% |
| 3-Year Total Dividends | $8.50 | $5.95 |
| Ex-Dividend Date | Mar 25, 2026 | Dec 31, 2025 |