BankFirst Capital (Mississippi) (BFCC) AI Stock Analysis

• Market Cap: $257.15M
• Dividend Yield: 2.22%
• Average Volume (3M): 3.69K
• Price to Earnings (P/E): 10.5
• Beta (1Y): -0.06
• Revenue Growth: 11.63%
• EPS Growth: 2.70%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.74
• Shares Outstanding: 5,284,629
• 10 Day Avg. Volume: 4,894
• 30 Day Avg. Volume: 3,693
• PEG Ratio: -0.44
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 8.83
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 1.91
• Enterprise Value/Gross Profit: 2.78
• Enterprise Value/Ebitda: 8.96
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $51.00 ▲(7.48% Upside)

BankFirst Capital's strong financial performance and attractive valuation are the primary drivers of its score. The technical analysis provides a neutral outlook, balancing the overall assessment. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term sustainability.

Financial Stability

Strong financial stability with low leverage enhances resilience against economic fluctuations and supports future growth initiatives.

Cash Flow Management

Positive and growing operating cash flow ensures the company can fund operations and investments, supporting long-term financial health.

Negative Factors

Operational Efficiency

Lack of complete operational efficiency data may hinder accurate assessment of cost management and profitability, affecting strategic decisions.

Cash Flow Volatility

Volatility in cash flow management could impact the company's ability to consistently fund operations and growth, posing long-term risks.

Earnings Growth

Negative earnings growth suggests challenges in profitability, potentially impacting investor confidence and future capital raising efforts.

BankFirst Capital (Mississippi) Business Overview & Revenue Model

Company Description

BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services that provides banking and financial services to individual and corporate customers in east central and central Mississippi, and northwest and west Alabama. It offers personal and business checking and savings products. The company also provides home mortgages; construction, home equity, auto, boat and recreational vehicle, personal, business term, equipment, commercial real estate, and agricultural loans; SBA lending services; and business lines of credit. In addition, it offers debit and credit cards; and online banking and bill pay, e-statement, mobile banking, remote deposit capture, merchant card, and overdraft protection services. Further, the company provides wealth management, cashier checks, safe deposit boxes, wire transfers, night depository, pre-authorized debit, bank by mail, direct deposit, drive-thru teller, notary, and fax services. The company operates through 36 branch locations in Mississippi and Alabama, as well as one mortgage office in Oxford, Mississippi. BankFirst Capital Corporation was founded in 1888 and is headquartered in Columbus, Mississippi.

How the Company Makes Money

BankFirst Capital generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees, transaction charges, and wealth management services. The core revenue stream comes from the interest earned on personal, commercial, and mortgage loans, which typically involves charging borrowers higher interest rates than the rates paid on deposits. Additionally, BFCC earns non-interest income from fees associated with account maintenance, ATM transactions, and investment advisory services. Strategic partnerships with local businesses and community organizations enhance its service offerings and customer base, further contributing to its earnings through collaborative financial products and community initiatives.

BankFirst Capital (Mississippi) Financial Statement Overview

Summary

BankFirst Capital demonstrates strong financial health with consistent revenue and profit growth, robust equity positions, and effective cash flow management. The absence of some operational efficiency metrics in the latest data and historical cash flow volatility suggest areas to monitor.

Income Statement

BankFirst Capital has shown a robust revenue growth rate over the past few years, with notable increases from 2019 to 2023. The net profit margin and gross profit margin are consistently strong, indicating efficient cost management and profitability. However, EBIT and EBITDA margins are not available for the most recent year, limiting a complete assessment of operational efficiency.

Balance Sheet

The company maintains a healthy equity ratio and a low debt-to-equity ratio, reflecting financial stability and prudent leverage management. Return on Equity (ROE) has improved over the years, showcasing effective use of shareholder funds. The low level of total debt relative to equity and assets further emphasizes the company's solid financial standing.

Cash Flow

The operating cash flow has been positive and growing, supporting the company's ability to generate cash from operations. Free cash flow has also improved, though there was a significant drop in 2020. The operating cash flow to net income ratio indicates strong cash earnings. However, fluctuations in capital expenditures and financing cash flow highlight potential volatility in cash management strategies.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	161.87M	158.72M	142.30M	90.76M	80.59M	78.50M
Gross Profit	111.65M	108.78M	112.72M	83.58M	73.02M	60.94M
EBITDA	34.59M	36.79M	40.59M	31.60M	25.67M	18.35M
Net Income	27.33M	25.54M	28.20M	22.95M	18.30M	13.48M
Balance Sheet
Total Assets	2.85B	2.80B	2.73B	2.46B	1.82B	1.73B
Cash, Cash Equivalents and Short-Term Investments	489.79M	416.35M	348.57M	390.88M	482.64M	449.94M
Total Debt	36.31M	27.39M	37.04M	39.27M	67.61M	54.70M
Total Liabilities	2.45B	2.41B	2.35B	2.12B	1.66B	1.58B
Stockholders Equity	404.56M	390.21M	372.44M	337.33M	156.80M	147.00M
Cash Flow
Free Cash Flow	0.00	24.92M	33.97M	28.23M	25.24M	15.90M
Operating Cash Flow	0.00	31.22M	41.24M	34.82M	28.18M	15.90M
Investing Cash Flow	0.00	-10.89M	-68.09M	-96.16M	-104.48M	-76.87M
Financing Cash Flow	0.00	48.51M	-28.54M	132.80M	75.72M	63.41M

BankFirst Capital (Mississippi) Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFCC, the sentiment is Positive. The current price of 47.45 is below the 20-day moving average (MA) of 47.81, above the 50-day MA of 47.03, and above the 200-day MA of 42.87, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 62.56 is Neutral, neither overbought nor oversold. The STOCH value of 88.31 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BFCC.

BankFirst Capital (Mississippi) Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BFCC	74 Outperform	$257.15M	10.53	6.46%	2.22%	11.63%	2.70%
LCNB	73 Outperform	$242.73M	10.50	8.97%	5.32%	5.07%	228.39%
CFFI	72 Outperform	$243.84M	9.08	10.89%	2.55%	8.53%	42.73%
ISTR	68 Neutral	$279.11M	13.36	8.53%	1.57%	-0.34%	27.03%
FINW	68 Neutral	$237.91M	16.67	8.00%	―	26.54%	2.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%