BancFirst (NASDAQ:BANF – Get Free Report) and FinWise Bancorp (NASDAQ:FINW – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, earnings, profitability, dividends, risk, institutional ownership and analyst recommendations.
Risk and Volatility
BancFirst has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500. Comparatively, FinWise Bancorp has a beta of 0.74, meaning that its share price is 26% less volatile than the S&P 500.
Institutional & Insider Ownership
51.7% of BancFirst shares are held by institutional investors. Comparatively, 35.4% of FinWise Bancorp shares are held by institutional investors. 31.7% of BancFirst shares are held by company insiders. Comparatively, 22.4% of FinWise Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BancFirst | 0 | 3 | 1 | 0 | 2.25 |
| FinWise Bancorp | 1 | 1 | 1 | 0 | 2.00 |
BancFirst currently has a consensus target price of $124.00, indicating a potential upside of 11.40%. FinWise Bancorp has a consensus target price of $22.00, indicating a potential upside of 57.71%. Given FinWise Bancorp’s higher possible upside, analysts plainly believe FinWise Bancorp is more favorable than BancFirst.
Profitability
This table compares BancFirst and FinWise Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BancFirst | 25.50% | 13.62% | 1.70% |
| FinWise Bancorp | 9.05% | 8.24% | 1.73% |
Earnings & Valuation
This table compares BancFirst and FinWise Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BancFirst | $960.40 million | 3.89 | $240.61 million | $7.30 | 15.25 |
| FinWise Bancorp | $150.96 million | 1.27 | $16.09 million | $1.10 | 12.68 |
BancFirst has higher revenue and earnings than FinWise Bancorp. FinWise Bancorp is trading at a lower price-to-earnings ratio than BancFirst, indicating that it is currently the more affordable of the two stocks.
Summary
BancFirst beats FinWise Bancorp on 10 of the 13 factors compared between the two stocks.
About BancFirst
BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. The company operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. It offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. The company also provides commercial and agricultural non-real estate loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, it engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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