Which has the lower trailing P/E, ATLCZ or BFC?

ATLCZ has the lower trailing P/E: ATLCZ trades at 3.28 and BFC at 19.66. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLCZ or BFC?

Over the past five years, ATLCZ grew revenue faster — ATLCZ at a 33.60% CAGR versus BFC at 19.15%.

Does ATLCZ or BFC pay a bigger dividend?

ATLCZ yields 9.20% and BFC yields 1.39% based on trailing dividends and the latest price.

Is ATLCZ or BFC more profitable?

BFC runs the higher net margin — ATLCZ at 9.30% versus BFC at 27.80%.

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) vs Bank First Corporation (BFC)

A side-by-side comparison of Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 and Bank First Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ATLCZ

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029

$1.66B

$25.14Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

BFC

Bank First Corporation

$1.70B

$151.22Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

Total return — ATLCZ vs BFC

growth of $100 · dividends reinvested · last 3y

ATLCZ +30.4% (+9.3%/yr)BFC +76.5% (+20.9%/yr)BFC compounded faster over this window

ATLCZ BFC

ATLCZ vs BFC: by the numbers

•BFC is the larger company ($1.70B vs $1.66B market cap).
•ATLCZ trades at the lower trailing earnings multiple (3.28 vs 19.66 P/E), one valuation lens rather than an overall verdict.
•BFC converts more revenue to profit (27.80% vs 9.30% net margin).
•ATLCZ grew revenue faster over the past five years (33.60% vs 19.15% CAGR).
•ATLCZ pays the higher dividend yield (9.20% vs 1.39%).

Metrics side by side

Valuation

Metric	ATLCZ	BFC
P/E ratio	3.28	19.66
Forward P/E	N/A	15.21
PEG ratio	0.38	2.64
P/S ratio	1.00	5.82
P/B ratio	2.37	2.07

Profitability

Metric	ATLCZ	BFC
Operating margin	17.73%	34.54%
Net margin	9.30%	27.80%
ROE	20.76%	9.89%

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Bank First Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ATLCZ	BFC
Dividend yield	9.20%	1.39%
Payout ratio	30.19%	27.31%

Growth (annualized)

Metric	ATLCZ	BFC
Revenue CAGR (5Y)	33.60%	19.15%
EPS CAGR (5Y)	6.79%	7.36%
Total return CAGR (5Y)	N/A	18.39%

Frequently asked

Which has the lower trailing P/E, ATLCZ or BFC?: ATLCZ has the lower trailing P/E: ATLCZ trades at 3.28 and BFC at 19.66. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLCZ or BFC?: Over the past five years, ATLCZ grew revenue faster — ATLCZ at a 33.60% CAGR versus BFC at 19.15%.
Does ATLCZ or BFC pay a bigger dividend?: ATLCZ yields 9.20% and BFC yields 1.39% based on trailing dividends and the latest price.
Is ATLCZ or BFC more profitable?: BFC runs the higher net margin — ATLCZ at 9.30% versus BFC at 27.80%.

Go deeper

Full ATLCZ analysis Full BFC analysis Interactive comparison tool

Dig into the metrics

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 P/E ratio Bank First P/E ratio Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 dividend yield Bank First dividend yield Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 ROE Bank First ROE Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 operating margin Bank First operating margin Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 revenue growth Bank First revenue growth

Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 & Bank First appear in these rankings

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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.