Overview Dividends

(BFC) Bank First National - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US06211J1007

Banking, Loans, Mortgages, Deposits, Wealth

BFC EPS (Earnings per Share)

EPS Growth (3Y CAGR): 10.55%
EPS Trend (3Y Correlation): 85.1%

BFC Revenue

Revenue Growth (3Y CAGR): 21.32%
Revenue Trend (3Y Correlation): 91.3%

Description: BFC Bank First National

Bank First National Corp (NASDAQ:BFC) is a regional bank operating in the United States, categorized under the GICS Sub Industry of Regional Banks. As a common stock, its performance is influenced by various financial and operational metrics.

The banks financial health can be assessed through key performance indicators (KPIs) such as Return on Equity (RoE), which stands at 10.94%. This suggests a relatively strong ability to generate profits from shareholders equity. The Price-to-Earnings (P/E) ratio is 16.80, indicating the markets expectations for the banks future growth and profitability.

Regional banks like BFC are sensitive to economic drivers such as interest rates, economic growth, and housing market trends. As interest rates fluctuate, BFCs net interest margin (NIM) is likely to be affected, impacting its revenue. Additionally, the overall health of the US economy, including employment rates and consumer spending, can influence the banks loan portfolio quality and growth.

The banks market capitalization is approximately $1.147 billion, reflecting its size and market presence. As a regional bank, BFCs business model is likely focused on serving local communities through various banking products and services, including lending, deposit-taking, and wealth management.

To evaluate BFCs future prospects, its essential to monitor its asset quality, capital adequacy, and liquidity position. Key metrics to watch include the non-performing assets (NPA) ratio, capital adequacy ratio, and the loan-to-deposit ratio. These indicators can provide insights into the banks risk management practices and its ability to navigate challenging economic conditions.

BFC Stock Overview

Market Cap in USD	1,265m
Sub-Industry	Regional Banks
IPO / Inception	2002-01-29

BFC Stock Ratings

Growth Rating	88.9%
Fundamental	74.2%
Dividend Rating	80.8%
Return 12m vs S&P 500	31.4%
Analyst Rating	4.0 of 5

BFC Dividends

Dividend Yield 12m	4.11%
Yield on Cost 5y	9.33%
Annual Growth 5y	17.61%
Payout Consistency	93.2%
Payout Ratio	71.4%

BFC Growth Ratios

Growth Correlation 3m	36.3%
Growth Correlation 12m	87.5%
Growth Correlation 5y	91.2%
CAGR 5y	20.41%
CAGR/Max DD 3y (Calmar Ratio)	0.62
CAGR/Mean DD 3y (Pain Ratio)	1.84
Sharpe Ratio 12m	0.37
Alpha	44.89
Beta	0.383
Volatility	27.60%
Current Volume	69.5k
Average Volume 20d	97.8k
Stop Loss	124.1 (-3.7%)
Signal	0.22

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (69.2m TTM) > 0 and > 6% of Revenue (6% = 14.1m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1406 % (prev -1583 %; Δ 176.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 67.6m <= Net Income 69.2m (YES >=105%, WARN >=100%)

Net Debt (1.59m) to EBITDA (90.1m) ratio: 0.02 <= 3.0 (WARN <= 3.5)

Current Ratio 0.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (9.90m) change vs 12m ago -1.24% (target <= -2.0% for YES)

Gross Margin 69.25% (prev 69.26%; Δ -0.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.53% (prev 4.84%; Δ 0.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.13 (EBITDA TTM 90.1m / Interest Expense TTM 72.7m) >= 6 (WARN >= 3)

Altman Z'' -4.44

(A) -0.76 = (Total Current Assets 287.5m - Total Current Liabilities 3.60b) / Total Assets 4.37b

(B) 0.09 = Retained Earnings (Balance) 389.5m / Total Assets 4.37b

(D) 0.10 = Book Value of Equity 381.8m / Total Liabilities 3.75b

Total Rating: -4.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.17

1. Piotroski 2.50pt = -2.50

2. FCF Yield 5.15% = 2.57

3. FCF Margin 24.06% = 6.02

4. Debt/Equity 0.20 = 2.48

5. Debt/Ebitda 0.02 = 2.50

6. ROIC - WACC (= 0.87)% = 1.08

7. RoE 10.94% = 0.91

8. Rev. Trend 91.27% = 6.84

9. EPS Trend 85.15% = 4.26

What is the price of BFC shares?

As of October 14, 2025, the stock is trading at USD 128.89 with a total of 69,451 shares traded.
Over the past week, the price has changed by -2.89%, over one month by +3.17%, over three months by +5.05% and over the past year by +50.88%.

Is Bank First National a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Bank First National (NASDAQ:BFC) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 74.17 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BFC is around 149.51 USD . This means that BFC is currently undervalued and has a potential upside of +16% (Margin of Safety).

Is BFC a buy, sell or hold?

Bank First National has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BFC.

Strong Buy: 1
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the BFC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	141	9.4%
Analysts Target Price	141	9.4%
ValueRay Target Price	165.7	28.6%

Last update: 2025-10-06 02:04

BFC Fundamental Data Overview

Market Cap USD = 1.27b (1.27b USD * 1.0 USD.USD)
P/E Trailing = 18.5195
P/S = 7.621
P/B = 2.0021
Beta = 0.383
Revenue TTM = 235.2m USD
EBIT TTM = 82.4m USD
EBITDA TTM = 90.1m USD
Long Term Debt = 121.9m USD (from longTermDebt, last quarter)
Short Term Debt = 25.1m USD (from shortTermDebt, last fiscal year)
Debt = 121.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.59m USD (from netDebt column, last quarter)
Enterprise Value = 1.10b USD (1.27b + Debt 121.9m - CCE 287.5m)
Interest Coverage Ratio = 1.13 (Ebit TTM 82.4m / Interest Expense TTM 72.7m)
FCF Yield = 5.15% (FCF TTM 56.6m / Enterprise Value 1.10b)
FCF Margin = 24.06% (FCF TTM 56.6m / Revenue TTM 235.2m)
Net Margin = 29.43% (Net Income TTM 69.2m / Revenue TTM 235.2m)
Gross Margin = 69.25% ((Revenue TTM 235.2m - Cost of Revenue TTM 72.3m) / Revenue TTM)
Gross Margin QoQ = 69.11% (prev 68.72%)
Tobins Q-Ratio = 0.25 (Enterprise Value 1.10b / Total Assets 4.37b)
Interest Expense / Debt = 14.66% (Interest Expense 17.9m / Debt 121.9m)
Taxrate = 18.35% (3.79m / 20.7m)
NOPAT = 67.2m (EBIT 82.4m * (1 - 18.35%))
Current Ratio = 0.08 (Total Current Assets 287.5m / Total Current Liabilities 3.60b)
Debt / Equity = 0.20 (Debt 121.9m / totalStockholderEquity, last quarter 612.3m)
Debt / EBITDA = 0.02 (Net Debt 1.59m / EBITDA 90.1m)
Debt / FCF = 0.03 (Net Debt 1.59m / FCF TTM 56.6m)
Total Stockholder Equity = 632.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 69.2m / Total Assets 4.37b)
RoE = 10.94% (Net Income TTM 69.2m / Total Stockholder Equity 632.3m)
RoCE = 10.92% (EBIT 82.4m / Capital Employed (Equity 632.3m + L.T.Debt 121.9m))
RoIC = 8.70% (NOPAT 67.2m / Invested Capital 773.2m)
WACC = 7.83% (E(1.27b)/V(1.39b) * Re(7.43%) + D(121.9m)/V(1.39b) * Rd(14.66%) * (1-Tc(0.18)))
Discount Rate = 7.43% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.14%
[DCF Debug] Terminal Value 81.07% ; FCFE base≈52.1m ; Y1≈62.6m ; Y5≈100.5m
Fair Price DCF = 174.3 (DCF Value 1.72b / Shares Outstanding 9.86m; 5y FCF grow 21.54% → 3.0% )
EPS Correlation: 85.15 | EPS CAGR: 10.55% | SUE: -2.15 | # QB: 0
Revenue Correlation: 91.27 | Revenue CAGR: 21.32% | SUE: 0.81 | # QB: 0

Additional Sources for BFC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle