BFC vs. ESQ
BFC (Bank First Corporation) and ESQ (Esquire Financial Holdings Inc) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, BFC returned 19.43%/yr vs 41.01%/yr for ESQ. Their 0.37 correlation means their historical movements had little consistent relationship.
Performance
BFC vs. ESQ - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with BFC having a 26.33% return and ESQ slightly higher at 27.08%.
BFC
- 1D
- 0.96%
- 1M
- 0.62%
- 6M
- 10.29%
- YTD
- 26.33%
- 1Y
- 32.29%
- 3Y*
- 23.04%
- 5Y*
- 19.43%
- 10Y*
- 20.10%
- ALL TIME*
- 8.81%
ESQ
- 1D
- -0.31%
- 1M
- 7.38%
- 6M
- 21.65%
- YTD
- 27.08%
- 1Y
- 39.32%
- 3Y*
- 38.65%
- 5Y*
- 41.01%
- 10Y*
- —
- ALL TIME*
- 26.47%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $15.81M | $14.95M | $14.54M | |
| $20.59M | $18.72M | $14.49M |
BFC vs. ESQ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
BFC Bank First Corporation | 26.33% | 28.68% | 16.37% | -5.32% | 30.02% | 13.29% | -6.17% | 52.07% | 5.71% | 24.82% |
ESQ Esquire Financial Holdings Inc | 27.08% | 29.37% | 60.89% | 16.72% | 38.33% | 64.15% | -26.39% | 20.14% | 9.93% | 24.15% |
Correlation
The correlation between BFC and ESQ is 0.62, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.62 |
Correlation (3Y) Balances recent behavior with more history. | 0.60 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.50 |
Correlation (All Time) Calculated using the full available price history since Jun 27, 2017 | 0.37 |
Over the past year, BFC and ESQ have become more correlated (0.62) than their long-term average of 0.37, meaning their price movements have been converging.
Fundamentals
BFC:
$1.71B
ESQ:
$1.12B
BFC:
$7.71
ESQ:
$6.07
BFC:
19.80
ESQ:
21.30
BFC:
3.14
ESQ:
0.74
BFC:
5.51
ESQ:
6.24
BFC:
2.08
ESQ:
3.59
BFC:
$291.54M
ESQ:
$179.89M
BFC:
$216.14M
ESQ:
$154.91M
BFC:
$107.67M
ESQ:
$77.24M
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Return for Risk
BFC vs. ESQ — Risk / Return Rank
BFC
ESQ
BFC vs. ESQ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bank First Corporation (BFC) and Esquire Financial Holdings Inc (ESQ). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| BFC | ESQ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.02 | ||
| Sortino ratioReturn per unit of downside risk | 0.00 | ||
| Omega ratioGain probability vs. loss probability | 1.21 | 1.21 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.16 | 2.33 | -0.17 |
| Martin ratioReturn relative to average drawdown | 4.98 | 6.33 | -1.35 |
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Drawdowns
BFC vs. ESQ - Drawdown Comparison
The maximum BFC drawdown since its inception was -82.02%, which is greater than ESQ's maximum drawdown of -56.52%. Use the drawdown chart below to compare losses from any high point for BFC and ESQ.
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Drawdown Indicators
| BFC | ESQ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -82.02% | -56.52% | -25.50% |
Max Drawdown (1Y)Largest decline over 1 year | -14.17% | -15.42% | +1.25% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -20.68% | +4.98% |
Max Drawdown (5Y)Largest decline over 5 years | -32.75% | -24.78% | -7.97% |
Max Drawdown (10Y)Largest decline over 10 years | -39.78% | — | — |
Current DrawdownCurrent decline from peak | -0.31% | -2.02% | +1.71% |
Average DrawdownAverage peak-to-trough decline | -27.03% | -10.63% | -16.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.13% | 5.67% | +0.46% |
Volatility
BFC vs. ESQ - Volatility Comparison
The current volatility for Bank First Corporation (BFC) is 7.88%, while Esquire Financial Holdings Inc (ESQ) has a volatility of 11.35%. This indicates that BFC experiences smaller price fluctuations and is considered to be less risky than ESQ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BFC | ESQ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.88% | 11.35% | -3.47% |
Volatility (6M)Calculated over the trailing 6-month period | 16.44% | 25.21% | -8.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.81% | 32.11% | -5.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.42% | 31.54% | -4.12% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.36% | 40.49% | -10.13% |
Dividends
BFC vs. ESQ - Dividend Comparison
BFC's dividend yield for the trailing twelve months is around 1.28%, more than ESQ's 0.58% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BFC Bank First Corporation | 1.28% | 4.35% | 1.56% | 1.33% | 1.01% | 1.58% | 1.25% | 1.14% | 1.46% | 1.43% | 1.77% | 2.23% |
ESQ Esquire Financial Holdings Inc | 0.58% | 0.69% | 0.75% | 0.95% | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
BFC vs. ESQ - Financials Comparison
This section allows you to compare key financial metrics between Bank First Corporation and Esquire Financial Holdings Inc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
BFC vs. ESQ - Profitability Comparison
BFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Bank First Corporation reported a gross profit of 65.06M and revenue of 85.75M. Therefore, the gross margin over that period was 75.9%.
ESQ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Esquire Financial Holdings Inc reported a gross profit of 39.23M and revenue of 47.68M. Therefore, the gross margin over that period was 82.3%.
BFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Bank First Corporation reported an operating income of 30.64M and revenue of 85.75M, resulting in an operating margin of 35.7%.
ESQ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Esquire Financial Holdings Inc reported an operating income of 18.13M and revenue of 47.68M, resulting in an operating margin of 38.0%.
BFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Bank First Corporation reported a net income of 24.69M and revenue of 85.75M, resulting in a net margin of 28.8%.
ESQ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Esquire Financial Holdings Inc reported a net income of 12.98M and revenue of 47.68M, resulting in a net margin of 27.2%.
Frequently Asked Questions
BFC and ESQ have a correlation of 0.62, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ESQ has higher volatility (11.35%) compared to BFC (7.88%). In terms of maximum drawdown, BFC dropped -82.02% vs ESQ's -56.52%.
BFC currently has the higher Sharpe Ratio (1.14 vs 1.12), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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