Is BFC or C more undervalued in 2026?

CirclFi compares Bank First Corporation (BFC) and Citigroup, Inc. (C) using 13 institutional-grade valuation models. BFC has a Quality of Company score of 8.8/10 while C scores 7.9/10.

Which is a better buy — BFC or C?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BFC and C valuations compare?

BFC at $139.02 and C at $125.90 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BFC vs C Valuation Comparison 2026 — Intrinsic Value Analysis

BFC

National Commercial Banks

Bank First Corporation

Quality

8.8

out of 10

Value Trap

—

Price

$139.02

Last close

Models

12/13

Active

C

National Commercial Banks

Citigroup, Inc.

Quality

7.9

out of 10

Value Trap

LOW

Price

$125.90

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	BFC Fair Value	BFC Upside	C Fair Value	C Upside
Bayesian DCF	Intrinsic	$58.59	-57.9%	$114.80	-8.8%
Earnings Power Value	Intrinsic	$84.40	-39.3%	$1.75	-98.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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BFC vs C — Which Stock Is More Undervalued?

BFC scores higher with a 8.8/10 quality rating vs C's 7.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Bank First Corporation (BFC) and Citigroup, Inc. (C) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BFC currently trades at $139.02 with a QOC of 8.8/10, while C trades at $125.90 with a QOC of 7.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).