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Side-by-side financial comparison of Bank First Corp (BFC) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Bank First Corp is the larger business by last-quarter revenue ($44.9M vs $26.6M, roughly 1.7× Owlet, Inc.). Bank First Corp runs the higher net margin — 45.8% vs -34.6%, a 80.4% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 12.1%). Bank First Corp produced more free cash flow last quarter ($51.0M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 9.1%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
BFC vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $44.9M | $26.6M |
| Net Profit | $18.4M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 51.0% | -18.4% |
| Net Margin | 45.8% | -34.6% |
| Revenue YoY | 12.1% | 29.6% |
| Net Profit YoY | 4.8% | -1.5% |
| EPS (diluted) | $1.87 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $44.9M | $26.6M | ||
| Q3 25 | $44.2M | $32.0M | ||
| Q2 25 | $41.6M | $26.1M | ||
| Q1 25 | $43.1M | $21.1M | ||
| Q4 24 | $40.1M | $20.5M | ||
| Q3 24 | $40.8M | $22.1M | ||
| Q2 24 | $38.9M | $20.7M | ||
| Q1 24 | $37.7M | $14.8M |
| Q4 25 | $18.4M | $-9.2M | ||
| Q3 25 | $18.0M | $4.1M | ||
| Q2 25 | $16.9M | $-37.6M | ||
| Q1 25 | $18.2M | $3.0M | ||
| Q4 24 | $17.5M | $-9.1M | ||
| Q3 24 | $16.6M | $-5.6M | ||
| Q2 24 | $16.1M | $-1.1M | ||
| Q1 24 | $15.4M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 51.0% | -18.4% | ||
| Q3 25 | 50.8% | 3.8% | ||
| Q2 25 | 49.7% | -7.4% | ||
| Q1 25 | 51.3% | -12.7% | ||
| Q4 24 | 54.4% | -36.2% | ||
| Q3 24 | 50.7% | -21.8% | ||
| Q2 24 | 51.0% | -10.8% | ||
| Q1 24 | 45.6% | -39.0% |
| Q4 25 | 45.8% | -34.6% | ||
| Q3 25 | 40.7% | 12.9% | ||
| Q2 25 | 40.5% | -144.4% | ||
| Q1 25 | 42.3% | 14.3% | ||
| Q4 24 | 49.3% | -44.2% | ||
| Q3 24 | 40.6% | -25.4% | ||
| Q2 24 | 41.3% | -5.5% | ||
| Q1 24 | 40.8% | 22.2% |
| Q4 25 | $1.87 | — | ||
| Q3 25 | $1.83 | $-0.06 | ||
| Q2 25 | $1.71 | $-2.37 | ||
| Q1 25 | $1.82 | $0.11 | ||
| Q4 24 | $1.75 | $-0.15 | ||
| Q3 24 | $1.65 | $-0.61 | ||
| Q2 24 | $1.59 | $-0.30 | ||
| Q1 24 | $1.51 | $-0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $243.2M | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $643.8M | $19.0M |
| Total Assets | $4.5B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $243.2M | $35.5M | ||
| Q3 25 | $126.2M | $23.8M | ||
| Q2 25 | $120.3M | $21.8M | ||
| Q1 25 | $300.9M | $16.3M | ||
| Q4 24 | $261.3M | $20.2M | ||
| Q3 24 | $204.4M | $21.6M | ||
| Q2 24 | $99.0M | $15.4M | ||
| Q1 24 | $83.4M | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $643.8M | $19.0M | ||
| Q3 25 | $628.1M | $-54.1M | ||
| Q2 25 | $612.3M | $-59.2M | ||
| Q1 25 | $648.4M | $-25.8M | ||
| Q4 24 | $639.7M | $-29.8M | ||
| Q3 24 | $628.9M | $-21.5M | ||
| Q2 24 | $614.6M | $-33.4M | ||
| Q1 24 | $609.3M | $-32.9M |
| Q4 25 | $4.5B | $85.6M | ||
| Q3 25 | $4.4B | $74.9M | ||
| Q2 25 | $4.4B | $63.5M | ||
| Q1 25 | $4.5B | $51.4M | ||
| Q4 24 | $4.5B | $49.5M | ||
| Q3 24 | $4.3B | $56.1M | ||
| Q2 24 | $4.1B | $45.9M | ||
| Q1 24 | $4.1B | $43.8M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $62.5M | $-452.0K |
| Free Cash FlowOCF − Capex | $51.0M | $-651.0K |
| FCF MarginFCF / Revenue | 113.6% | -2.5% |
| Capex IntensityCapex / Revenue | 25.5% | 0.7% |
| Cash ConversionOCF / Net Profit | 3.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $75.8M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $62.5M | $-452.0K | ||
| Q3 25 | $15.5M | $-2.2M | ||
| Q2 25 | $11.9M | $-2.2M | ||
| Q1 25 | $6.2M | $-5.9M | ||
| Q4 24 | $65.8M | $3.0M | ||
| Q3 24 | $18.8M | $-7.5M | ||
| Q2 24 | $14.9M | $-3.4M | ||
| Q1 24 | $1.3M | $-3.4M |
| Q4 25 | $51.0M | $-651.0K | ||
| Q3 25 | $12.5M | $-2.2M | ||
| Q2 25 | $8.2M | $-2.3M | ||
| Q1 25 | $4.0M | $-5.9M | ||
| Q4 24 | $58.6M | $3.0M | ||
| Q3 24 | $16.9M | $-7.5M | ||
| Q2 24 | $13.7M | $-3.4M | ||
| Q1 24 | $551.0K | — |
| Q4 25 | 113.6% | -2.5% | ||
| Q3 25 | 28.2% | -6.8% | ||
| Q2 25 | 19.8% | -8.8% | ||
| Q1 25 | 9.3% | -28.1% | ||
| Q4 24 | 146.3% | 14.5% | ||
| Q3 24 | 41.5% | -33.9% | ||
| Q2 24 | 35.3% | -16.3% | ||
| Q1 24 | 1.5% | — |
| Q4 25 | 25.5% | 0.7% | ||
| Q3 25 | 6.7% | 0.0% | ||
| Q2 25 | 8.7% | 0.2% | ||
| Q1 25 | 5.0% | 0.0% | ||
| Q4 24 | 18.0% | 0.2% | ||
| Q3 24 | 4.5% | 0.0% | ||
| Q2 24 | 3.1% | 0.0% | ||
| Q1 24 | 2.1% | 0.0% |
| Q4 25 | 3.40× | — | ||
| Q3 25 | 0.86× | -0.52× | ||
| Q2 25 | 0.70× | — | ||
| Q1 25 | 0.34× | -1.96× | ||
| Q4 24 | 3.75× | — | ||
| Q3 24 | 1.13× | — | ||
| Q2 24 | 0.93× | — | ||
| Q1 24 | 0.09× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFC
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
