BFC vs. UNH
BFC (Bank First Corporation) and UNH (UnitedHealth Group Incorporated) are both stocks. BFC operates in Banks - Regional (Financial Services), while UNH operates in Healthcare Plans (Healthcare). Over the past 10 years, BFC returned 20.10%/yr vs 13.33%/yr for UNH. At a 0.07 correlation, their price movements are largely independent.
Performance
BFC vs. UNH - Performance Comparison
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Returns By Period
In the year-to-date period, BFC achieves a 17.68% return, which is significantly lower than UNH's 24.89% return. Over the past 10 years, BFC has outperformed UNH with an annualized return of 20.10%, while UNH has yielded a comparatively lower 13.33% annualized return.
BFC
- 1D
- 0.10%
- 1M
- 0.67%
- YTD
- 17.68%
- 6M
- 9.81%
- 1Y
- 30.64%
- 3Y*
- 22.65%
- 5Y*
- 17.31%
- 10Y*
- 20.10%
UNH
- 1D
- 1.43%
- 1M
- 5.31%
- YTD
- 24.89%
- 6M
- 26.80%
- 1Y
- 38.30%
- 3Y*
- -3.23%
- 5Y*
- 2.34%
- 10Y*
- 13.33%
BFC vs. UNH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
BFC Bank First Corporation | 17.68% | 28.68% | 16.37% | -5.32% | 30.02% | 13.29% | -6.17% | 52.07% | 5.71% | 36.37% |
UNH UnitedHealth Group Incorporated | 24.89% | -33.14% | -2.41% | 0.80% | 6.94% | 45.20% | 21.25% | 20.00% | 14.52% | 39.83% |
Correlation
The correlation between BFC and UNH is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.14 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.17 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.15 |
Correlation (All Time) Calculated using the full available price history since Jan 29, 2002 | 0.07 |
The correlation between BFC and UNH shifts across timeframes, from 0.07 (all time) to 0.18 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
BFC:
$1.60B
UNH:
$370.08B
BFC:
$7.18
UNH:
$13.23
BFC:
19.88
UNH:
30.74
BFC:
5.51
UNH:
0.82
BFC:
1.95
UNH:
3.56
BFC:
$264.29M
UNH:
$449.71B
BFC:
$191.50M
UNH:
$84.55B
BFC:
$94.45M
UNH:
$22.99B
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Return for Risk
BFC vs. UNH — Risk / Return Rank
BFC
UNH
BFC vs. UNH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bank First Corporation (BFC) and UnitedHealth Group Incorporated (UNH). 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 | UNH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.16 | ||
| Sortino ratioReturn per unit of downside risk | +0.26 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.22 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.17 | 1.33 | +0.84 |
| Martin ratioReturn relative to average drawdown | 4.63 | 2.92 | +1.71 |
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Drawdowns
BFC vs. UNH - Drawdown Comparison
The maximum BFC drawdown since its inception was -82.02%, which is greater than UNH's maximum drawdown of -74.37%. Use the drawdown chart below to compare losses from any high point for BFC and UNH.
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Drawdown Indicators
| BFC | UNH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -82.02% | -74.37% | -7.65% |
Max Drawdown (1Y)Largest decline over 1 year | -14.17% | -28.96% | +14.79% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -61.39% | +45.69% |
Max Drawdown (5Y)Largest decline over 5 years | -32.75% | -61.39% | +28.64% |
Max Drawdown (10Y)Largest decline over 10 years | -39.78% | -61.39% | +21.61% |
Current DrawdownCurrent decline from peak | -5.59% | -32.18% | +26.59% |
Average DrawdownAverage peak-to-trough decline | -27.14% | -14.78% | -12.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.64% | 13.17% | -6.53% |
Volatility
BFC vs. UNH - Volatility Comparison
The current volatility for Bank First Corporation (BFC) is 6.06%, while UnitedHealth Group Incorporated (UNH) has a volatility of 7.70%. This indicates that BFC experiences smaller price fluctuations and is considered to be less risky than UNH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BFC | UNH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.06% | 7.70% | -1.64% |
Volatility (6M)Calculated over the trailing 6-month period | 16.90% | 30.78% | -13.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.38% | 40.10% | -12.72% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.26% | 31.90% | -4.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.35% | 30.21% | +0.14% |
Dividends
BFC vs. UNH - Dividend Comparison
BFC's dividend yield for the trailing twelve months is around 1.30%, less than UNH's 2.23% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BFC Bank First Corporation | 1.30% | 4.35% | 1.56% | 1.33% | 1.01% | 1.58% | 1.25% | 1.14% | 1.46% | 1.43% | 1.77% | 2.23% |
UNH UnitedHealth Group Incorporated | 2.23% | 2.64% | 1.62% | 1.38% | 1.21% | 1.12% | 1.38% | 1.41% | 1.38% | 1.30% | 1.48% | 1.59% |
Financials
BFC vs. UNH - Financials Comparison
This section allows you to compare key financial metrics between Bank First Corporation and UnitedHealth Group Incorporated. 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. UNH - Profitability Comparison
BFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported a gross profit of 63.91M and revenue of 84.30M. Therefore, the gross margin over that period was 75.8%.
UNH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported a gross profit of 25.41B and revenue of 111.72B. Therefore, the gross margin over that period was 22.7%.
BFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported an operating income of 24.69M and revenue of 84.30M, resulting in an operating margin of 29.3%.
UNH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported an operating income of 8.99B and revenue of 111.72B, resulting in an operating margin of 8.1%.
BFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank First Corporation reported a net income of 19.99M and revenue of 84.30M, resulting in a net margin of 23.7%.
UNH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported a net income of 6.28B and revenue of 111.72B, resulting in a net margin of 5.6%.
Frequently Asked Questions
BFC and UNH have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNH has higher volatility (7.70%) compared to BFC (6.06%). In terms of maximum drawdown, BFC dropped -82.02% vs UNH's -74.37%.
BFC currently has the higher Sharpe Ratio (1.13 vs 0.96), 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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