(BFC) Bank First National - Ratings and Ratios
Checking, Savings, Loans, Credit Cards, Insurance
BFC EPS (Earnings per Share)
BFC Revenue
Description: BFC Bank First National
Bank First Corporation is a holding company that operates Bank First, N.A., a financial institution providing a comprehensive range of services to individuals, businesses, and professionals primarily in Wisconsin. The banks diverse product offerings include various deposit accounts, such as checking, savings, and money market accounts, as well as cash management, retirement, and health savings accounts. Additionally, it offers a range of loan products, including commercial and residential real estate loans, home equity loans, and consumer loans, catering to different financial needs.
The companys extensive suite of financial services also encompasses credit cards, insurance products, data processing, investment services, and treasury management. Bank First Corporation leverages technology to provide online, telephone, and mobile banking services, enhancing customer convenience and accessibility. With a history dating back to 1894, the corporation has established itself as a reliable financial institution in the region, headquartered in Manitowoc, Wisconsin. For more information, visit https://www.bankfirst.com.
From a technical analysis perspective, Bank First Corporations stock (BFC) is currently priced at $111.61, slightly below its 20-day Simple Moving Average (SMA) of $115.06, indicating a potential short-term bearish trend. However, it is above its 50-day SMA of $109.82 and significantly above its 200-day SMA of $98.68, suggesting a longer-term bullish outlook. The Average True Range (ATR) is $2.48, representing a volatility of 2.23%. The stock is currently trading near its 52-week high of $117.13, having more than recovered from its 52-week low of $74.52.
Fundamentally, Bank First Corporation has a market capitalization of $1.157 billion USD, with a Price-to-Earnings (P/E) ratio of 16.87, indicating a reasonable valuation compared to its earnings. The Return on Equity (RoE) stands at 10.81%, reflecting a decent profitability level. Considering these fundamental and technical indicators, a forecast for BFC could involve a potential short-term correction due to its proximity to the 52-week high and being below the 20-day SMA. However, its strong long-term trend and reasonable valuation multiples suggest a potential for growth, assuming the bank continues to perform well financially and manage its assets effectively. A detailed analysis of future earnings reports and macroeconomic conditions will be crucial in determining the stocks future trajectory.
BFC Stock Overview
| Market Cap in USD | 1,148m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception | 2002-01-29 |
BFC Stock Ratings
| Growth Rating | 79.9 |
| Fundamental | 56.2% |
| Dividend Rating | 85.2 |
| Rel. Strength | 18.9 |
| Analysts | 4.00 of 5 |
| Fair Price Momentum | 139.19 USD |
| Fair Price DCF | 125.27 USD |
BFC Dividends
| Dividend Yield 12m | 5.29% |
| Yield on Cost 5y | 10.12% |
| Annual Growth 5y | 13.86% |
| Payout Consistency | 93.2% |
| Payout Ratio | 70.6% |
BFC Growth Ratios
| Growth Correlation 3m | 63.8% |
| Growth Correlation 12m | 87.7% |
| Growth Correlation 5y | 91.2% |
| CAGR 5y | 15.76% |
| CAGR/Max DD 5y | 0.48 |
| Sharpe Ratio 12m | 0.78 |
| Alpha | 26.55 |
| Beta | 0.926 |
| Volatility | 24.44% |
| Current Volume | 44.2k |
| Average Volume 20d | 134.8k |
| Stop Loss | 112.5 (-3.9%) |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (69.2m TTM) > 0 and > 6% of Revenue (6% = 10.9m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.49pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 134.8% (prev -1583 %; Δ 1717 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 70.7m > Net Income 69.2m (YES >=105%, WARN >=100%) |
| Net Debt (121.9m) to EBITDA (70.5m) ratio: 1.73 <= 3.0 (WARN <= 3.5) |
| Current Ratio 6.72 (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 70.13% (prev 69.26%; Δ 0.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.27% (prev 4.84%; Δ -0.57pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.89 (EBITDA TTM 70.5m / Interest Expense TTM 72.7m) >= 6 (WARN >= 3) |
Altman Z'' 3.53
| (A) 0.06 = (Total Current Assets 287.5m - Total Current Liabilities 42.8m) / Total Assets 4.37b |
| (B) 0.09 = Retained Earnings (Balance) 411.8m / Total Assets 4.37b |
| (C) 0.02 = EBIT TTM 64.7m / Avg Total Assets 4.26b |
| (D) 2.62 = Book Value of Equity 9.83b / Total Liabilities 3.75b |
| Total Rating: 3.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.21
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 1.35% = 0.67 |
| 3. FCF Margin 34.18% = 7.50 |
| 4. Debt/Equity 6.13 = -2.50 |
| 5. Debt/Ebitda 53.20 = -2.50 |
| 6. ROIC - WACC 4.28% = 5.35 |
| 7. RoE 10.94% = 0.91 |
| 8. Rev. Trend -26.05% = -1.30 |
| 9. Rev. CAGR -47.69% = -2.50 |
| 10. EPS Trend 42.14% = 1.05 |
| 11. EPS CAGR 10.28% = 1.03 |
As of August 12, 2025, the stock is trading at USD 117.04 with a total of 44,185 shares traded.
Over the past week, the price has changed by -0.75%, over one month by -2.45%, over three months by +2.75% and over the past year by +48.32%.
Neither. Based on ValueRay´s Fundamental Analyses, Bank First National is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 56.21 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BFC is around 139.19 USD . This means that BFC is currently undervalued and has a potential upside of +18.93% (Margin of Safety).
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
According to our own proprietary Forecast Model, BFC Bank First National will be worth about 146.8 in August 2026. The stock is currently trading at 117.04. This means that the stock has a potential upside of +25.46%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 141 | 20.5% |
| Analysts Target Price | 120.5 | 3% |
| ValueRay Target Price | 146.8 | 25.5% |
BFC Fundamental Data Overview
CCE Cash And Equivalents = 287.5m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 16.8038
P/S = 6.9149
P/B = 1.8746
Beta = 0.402
Revenue TTM = 181.6m USD
EBIT TTM = 64.7m USD
EBITDA TTM = 70.5m USD
Long Term Debt = 3.71b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 42.8m USD (from totalCurrentLiabilities, last quarter)
Debt = 3.75b USD (Calculated: Short Term 42.8m + Long Term 3.71b)
Net Debt = 121.9m USD (from netDebt column, last quarter)
Enterprise Value = 4.61b USD (1.15b + Debt 3.75b - CCE 287.5m)
Interest Coverage Ratio = 0.89 (Ebit TTM 64.7m / Interest Expense TTM 72.7m)
FCF Yield = 1.35% (FCF TTM 62.1m / Enterprise Value 4.61b)
FCF Margin = 34.18% (FCF TTM 62.1m / Revenue TTM 181.6m)
Net Margin = 38.11% (Net Income TTM 69.2m / Revenue TTM 181.6m)
Gross Margin = 70.13% ((Revenue TTM 181.6m - Cost of Revenue TTM 54.3m) / Revenue TTM)
Tobins Q-Ratio = 0.47 (Enterprise Value 4.61b / Book Value Of Equity 9.83b)
Interest Expense / Debt = 0.48% (Interest Expense 17.9m / Debt 3.75b)
Taxrate = 17.54% (from yearly Income Tax Expense: 13.9m / 79.5m)
NOPAT = 53.4m (EBIT 64.7m * (1 - 17.54%))
Current Ratio = 6.72 (Total Current Assets 287.5m / Total Current Liabilities 42.8m)
Debt / Equity = 6.13 (Debt 3.75b / last Quarter total Stockholder Equity 612.3m)
Debt / EBITDA = 53.20 (Net Debt 121.9m / EBITDA 70.5m)
Debt / FCF = 60.45 (Debt 3.75b / FCF TTM 62.1m)
Total Stockholder Equity = 632.3m (last 4 quarters mean)
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 = 1.49% (Ebit 64.7m / (Equity 632.3m + L.T.Debt 3.71b))
RoIC = 6.79% (NOPAT 53.4m / Invested Capital 786.2m)
WACC = 2.51% (E(1.15b)/V(4.90b) * Re(9.43%)) + (D(3.75b)/V(4.90b) * Rd(0.48%) * (1-Tc(0.18)))
Shares Correlation 5-Years: 60.0 | Cagr: 5.36%
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.91% ; FCFE base≈52.7m ; Y1≈61.7m ; Y5≈93.3m
Fair Price DCF = 125.3 (DCF Value 1.23b / Shares Outstanding 9.86m; 5y FCF grow 18.27% → 2.90% )
Revenue Correlation: -26.05 | Revenue CAGR: -47.69%
Revenue Growth Correlation: -62.10%
EPS Correlation: 42.14 | EPS CAGR: 10.28%
EPS Growth Correlation: -49.96%
Additional Sources for BFC Stock
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