BFC vs CCC Stock Comparison
Compare BFC and CCC across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between BFC and CCC?
BFC leads the current stock comparison as Bank First Corporation, with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank First Corporation vs CCC Intelligent Solutions Holdings Inc.
BFC leads
BFC leads by 3 AIQ points, primarily on Momentum and Quality, having only recently taken the lead back from CCC. Wall Street currently favors CCC on target upside.
Fragile: 2 of 6 evidence groups support BFC, the lead recently changed hands, and its signal state is cleanly positive.
Bank First Corporation
CCC Intelligent Solutions Holdings Inc.
The Algovestiq AIQ Score currently favors BFC over CCC, 56 versus 53 as of Sep 11, 2026. BFC's advantage is driven primarily by stronger momentum and quality, while CCC holds the stronger value profile. BFC also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors CCC. 2 of 6 covered evidence groups favor BFC today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 3 points. BFC lead: Reversed — CCC led by 8 AIQ points 30 sessions ago; BFC now leads by 3.
Compare Bank First Corporation and CCC Intelligent Solutions Holdings Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare BFC and CCC against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value33 vs 66CCC +33
- Momentum68 vs 49BFC +19
- Quality69 vs 51BFC +18
- Risk Resilience53 vs 35BFC +18
2 of 6 evidence groups favor BFC. BFC’s edge is concentrated in momentum and quality; CCC keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum +1
New signals
- MACD Bullish Crossover — bullish, momentum, short horizon
Largest factor move: Momentum +1
No new signals fired.
BFC's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — BFC and CCC both carry a full feed there.
The central trade-off
BFC (Bank First Corporation): the stronger current systematic profile, led by momentum and quality.
CCC (CCC Intelligent Solutions Holdings Inc.): the counter-case, on value, valuation, technicals — but at materially higher volatility, 50% against 18.9%.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
BFCBFC on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
BFCBFC on combined revenue and EPS growth.
Value
CCCCCC on the peer-relative Value factor, by 33 points.
Momentum
BFCBFC on the Momentum factor, by 19 points.
Lower downside
BFCBFC on Risk Resilience, by 18 points.
Analyst upside
CCCCCC on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors BFC, analyst targets favor CCC. That disagreement is the most useful thing on this page.
| Measure | BFC | CCC | Note |
|---|---|---|---|
| Implied upside to target | +3% | +8.9% | CCC has more room |
| Target dispersion | +2.5% | +13.3% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 1 | 1 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor BFC. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 56 vs 53 |
| Fundamentals | BFC | revenue growth 1.7% vs 1.7%; EPS growth 24.2% vs 14.5%; TTM ROE 11.1% vs 2.3%; gross margin 74.1% vs 73.5%; operating margin 34.5% vs 15.9% |
| Valuation | CCC | Value 33 vs 66 |
| Technicals | CCC | Price vs 50-day 1.6% vs 5.1%; vs 200-day 9.9% vs 10.5% |
| Risk Resilience | BFC | Risk Resilience 53 vs 35 |
| Analyst expectations | CCC | Target upside 3% vs 8.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BFC and CCC and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 3 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on BFC.
How the comparison changed
119 daily snapshots · May 4 – Sep 10BFC lead: Reversed — CCC led by 8 AIQ points 30 sessions ago; BFC now leads by 3.
- Today
- BFC +3
- 56 vs 53
- 7 sessions ago
- CCC +8
- 53 vs 61
- 30 sessions ago
- CCC +8
- 53 vs 61
- 90 sessions ago
- CCC +2
- 57 vs 59
The lead changed hands 6 times in this window, most recently on Sep 9 when BFC moved ahead of CCC.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
5 bullish / 0 bearish
- Golden Cross Active — bullish, trend, long horizon (7.59%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (2.0%)
3 bullish / 1 bearish / 2 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (5.78%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
CCC is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is down while the AIQ Score moved up 1 points over the same session — price and model disagree (price -0.53%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.58%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1CCC closes the Momentum gap — currently 19 points behind, the largest single contributor to BFC's edge.
- 2CCC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3BFC's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
BFC leads on balance| Metric | BFC | CCC |
|---|---|---|
| Revenue growth (YoY) | 1.7% | 1.7% |
| EPS growth (YoY) | 24.2% | 14.5% |
| Gross margin | 74.1% | 73.5% |
| Operating margin | 34.5% | 15.9% |
| Return on equity (TTM) | 11.1% | 2.3% |
| Debt to equity | 0.13 | 0.77 |
Performance
BFC leads 4 of 5 windows| Metric | BFC | CCC |
|---|---|---|
| 1 week (5 sessions) | 1% | -4.6% |
| 1 month (20 sessions) | -1.1% | -1.7% |
| 3 months (63 sessions) | 7.9% | 45.7% |
| 6 months (126 sessions) | 15.6% | 13.8% |
| Year to date | 27.4% | -13.8% |
| 1 year (252 sessions) | 18.9% | — |
Technicals
CCC has the stronger structure| Metric | BFC | CCC |
|---|---|---|
| RSI (14) | 57.6 | 35.6 |
| ADX (14) | 10.3 | 20.2 |
| Price vs 50-day | 1.6% | 5.1% |
| Price vs 200-day | 9.9% | 10.5% |
| Volatility (1M, annualized) | 18.9% | 50% |
Risk
BFC is the more resilient| Metric | BFC | CCC |
|---|---|---|
| Beta | 0.47 | 0.85 |
| Sharpe ratio | 0.71 | -0.26 |
| Sortino ratio | 1.06 | -0.4 |
| Max drawdown | -14.2% | -51.6% |
| Current drawdown | -2% | -21.4% |
| Annualized volatility | 26.4% | 59.4% |
| Value at risk (95%) | -2.6% | -5.9% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BFC or CCC?
On the Algovestiq AIQ Score, BFC is the stronger of the two as of Sep 11, 2026, scoring 56 against CCC's 53. The edge comes from momentum and quality. CCC is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BFC or CCC the better buy right now?
BFC carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 3 points. Treat the lead as provisional.
Why does the AIQ Score favor BFC over CCC?
The composite weights Quality, Value, Momentum and Risk Resilience. CCC leads Value by 33 points; BFC leads Momentum by 19 points; BFC leads Quality by 18 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BFC or CCC?
Analyst price targets imply +3% upside for BFC and +8.9% for CCC, so the Street currently favors CCC. That points the opposite way to the AIQ Score, which favors BFC. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BFC or CCC?
CCC is the better-valued of the two on the peer-relative Value factor. CCC on the peer-relative Value factor, by 33 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BFC or CCC?
BFC on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BFC or CCC?
BFC on the Momentum factor, by 19 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BFC or CCC?
BFC is the more resilient of the two, so the other name carries the higher downside risk. BFC on Risk Resilience, by 18 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BFC more profitable than CCC?
BFC leads on the comparable margin measures — gross margin 74.1% vs 73.5%; operating margin 34.5% vs 15.9%; ttm roe 11.1% vs 2.3%.
Is BFC's lead over CCC getting stronger or weaker?
BFC lead: Reversed — CCC led by 8 AIQ points 30 sessions ago; BFC now leads by 3. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 6 times in that window, most recently on 2026-09-09, when BFC moved ahead of CCC.
What would change the BFC vs CCC verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: CCC closes the Momentum gap — currently 19 points behind, the largest single contributor to BFC's edge; CCC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; BFC's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about BFC and CCC?
BFC: 5 bullish / 0 bearish. CCC: 3 bullish / 1 bearish / 2 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BFC is Golden Cross Active (bullish, long horizon). On CCC it is Golden Cross Active (bullish, long horizon).
Compare BFC and CCC with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.