BFC vs CCC Stock Comparison
CCC currently leads BFC in this stock comparison, with AIQ scores of 62 vs 50. The clearest difference is value, while BFC has the stronger quality profile.
What is the main difference between BFC and CCC?
CCC leads the current stock comparison as CCC Intelligent Solutions Holdings Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank First Corporation vs CCC Intelligent Solutions Holdings Inc.
CCC leads
CCC leads by 12 AIQ points, primarily on Value and Momentum, and the lead has widened from 5 points over 30 sessions. Wall Street currently favors BFC on target upside.
Competitive: 3 of 6 evidence groups support CCC, its lead is widening, and its current signal state is conflicted.
Bank First Corporation
CCC Intelligent Solutions Holdings Inc.
The Algovestiq AIQ Score currently favors CCC over BFC, 62 versus 50 as of Oct 31, 2026. CCC's advantage is driven primarily by stronger value and momentum, while BFC holds the stronger quality profile. CCC also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors BFC. 3 of 6 covered evidence groups favor CCC today, and the comparison is rated Competitive on stability: only 3 of 6 covered evidence groups agree. CCC lead: Strengthening — the AIQ differential moved from 5 to 12 points over 30 sessions.
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
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare BFC and CCC against another ticker
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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
- Momentum49 vs 78CCC +29
- Quality70 vs 51BFC +19
- Risk Resilience48 vs 49Even
3 of 6 evidence groups favor CCC. CCC’s edge is concentrated in value and momentum; BFC keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum -2
No signal started or stopped since the prior session; its 2 active signals are unchanged.
Largest factor move: Risk Resilience +1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 7 active signals are unchanged.
CCC's lead widened by 1 AIQ point in the latest session.
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
CCC (CCC Intelligent Solutions Holdings Inc.): the stronger current systematic profile, led by value and momentum.
BFC (Bank First Corporation): the counter-case, on quality, fundamentals, analyst expectations.
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
CCCCCC on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
CCCCCC on combined revenue and EPS growth.
Value
CCCCCC on the peer-relative Value factor, by 33 points.
Momentum
CCCCCC on the Momentum factor, by 29 points.
Lower downside
BFCBFC carries the lower 1-month annualized volatility.
Analyst upside
BFCBFC on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors CCC, analyst targets favor BFC. That disagreement is the most useful thing on this page.
| Measure | BFC | CCC | Note |
|---|---|---|---|
| Implied upside to target | +8% | 0% | BFC has more room |
| Target dispersion | 0% | +13.1% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 1 | 3 | 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
3 of 6 covered evidence groups favor CCC. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | CCC | 50 vs 62 |
| Fundamentals | BFCon balance | revenue growth 0.4% vs 1.7%; EPS growth -2.7% vs 14.5%; TTM ROE 11.2% vs 2.3%; gross margin 75.1% vs 73.5%; operating margin 34.1% vs 15.9% — BFC takes 3 of 5 decided legs, not all of them |
| Valuation | CCC | Value 33 vs 66 |
| Technicals | CCC | Price vs 50-day -1% vs 7.4%; vs 200-day 2.1% vs 26.3% |
| Risk Resilience | Even | Risk Resilience 48 vs 49 |
| Analyst expectations | BFC | Target upside 8% vs 0% |
✓ 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 two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 12 points. (supports the conclusion holding)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been widening. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
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 CCC.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28CCC lead: Strengthening — the AIQ differential moved from 5 to 12 points over 30 sessions.
- Today
- CCC +12
- 50 vs 62
- 7 sessions ago
- CCC +14
- 48 vs 62
- 30 sessions ago
- CCC +5
- 48 vs 53
- 90 sessions ago
- CCC +9
- 52 vs 61
The lead changed hands 3 times in this window, most recently on Sep 23 when CCC moved ahead of BFC.
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.
2 bullish / 0 bearish
No signal that the other name lacks.
5 bullish / 1 bearish / 1 neutral, conflicted
Only CCC
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Keltner Channel Breakout — bullish, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
Both carry 2 more signals that do not separate them: Golden Cross Active, MACD Bullish Crossover.
CCC leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved down over the latest session (price -1.06%, AIQ -1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.39%, AIQ 0 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.
- 1BFC closes the Value gap — currently 33 points behind, the largest single contributor to CCC's edge.
- 2BFC generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active.
- 3CCC's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once.
- 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) | 0.4% | 1.7% |
| EPS growth (YoY) | -2.7% | 14.5% |
| Gross margin | 75.1% | 73.5% |
| Operating margin | 34.1% | 15.9% |
| Return on equity (TTM) | 11.2% | 2.3% |
| Debt to equity | 0.1 | 0.77 |
Performance
CCC leads 3 of 5 windows| Metric | BFC | CCC |
|---|---|---|
| 1 week (5 sessions) | 4.1% | 0.4% |
| 1 month (20 sessions) | -0.6% | 15.2% |
| 3 months (63 sessions) | -2.3% | 26.6% |
| 6 months (126 sessions) | 2.1% | 59.1% |
| Year to date | 21.4% | -3.5% |
| 1 year (252 sessions) | 12.5% | — |
Technicals
CCC has the stronger structure| Metric | BFC | CCC |
|---|---|---|
| RSI (14) | 49.8 | 84.8 |
| ADX (14) | 28.2 | 32.3 |
| Price vs 50-day | -1% | 7.4% |
| Price vs 200-day | 2.1% | 26.3% |
| Volatility (1M, annualized) | 24.4% | 40.2% |
Risk
Split| Metric | BFC | CCC |
|---|---|---|
| Beta | 0.4 | 0.87 |
| Sharpe ratio | 0.48 | -0.02 |
| Sortino ratio | 0.76 | -0.03 |
| Max drawdown | -14.2% | -51.6% |
| Current drawdown | -6.7% | -12% |
| Annualized volatility | 23.7% | 57.1% |
| Value at risk (95%) | -2.2% | -5.7% |
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, CCC is the stronger of the two as of Oct 31, 2026, scoring 62 against BFC's 50. The edge comes from value and momentum. BFC is not without a case — it holds the better quality 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?
CCC carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Competitive — 3 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor CCC over BFC?
The composite weights Quality, Value, Momentum and Risk Resilience. CCC leads Value by 33 points; CCC leads Momentum by 29 points; BFC leads Quality by 19 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 +8% upside for BFC and 0% for CCC, so the Street currently favors BFC. That points the opposite way to the AIQ Score, which favors CCC. 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?
CCC 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?
CCC on the Momentum factor, by 29 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 carries the lower 1-month annualized volatility. 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 75.1% vs 73.5%; operating margin 34.1% vs 15.9%; ttm roe 11.2% vs 2.3%.
Is CCC's lead over BFC getting stronger or weaker?
CCC lead: Strengthening — the AIQ differential moved from 5 to 12 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 3 times in that window, most recently on 2026-09-23, when CCC moved ahead of BFC.
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: BFC closes the Value gap — currently 33 points behind, the largest single contributor to CCC's edge; BFC generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active; CCC's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once; 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: 2 bullish / 0 bearish. CCC: 5 bullish / 1 bearish / 1 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.