(BFC) Bank First National - Ratings and Ratios
Checking, Savings, Loans, Mortgages, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.65% |
| Yield on Cost 5y | 9.68% |
| Yield CAGR 5y | 46.84% |
| Payout Consistency | 93.6% |
| Payout Ratio | 68.8% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 28.9% |
| Value at Risk 5%th | 44.9% |
| Relative Tail Risk | -5.29% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.19 |
| Alpha | 27.27 |
| CAGR/Max DD | 1.09 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.566 |
| Beta | 0.502 |
| Beta Downside | 0.358 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.90% |
| Mean DD | 6.62% |
| Median DD | 6.33% |
Description: BFC Bank First National January 18, 2026
Bank First Corporation (NASDAQ:BFC) is a Wisconsin-based holding company for Bank First, N.A., delivering a full suite of consumer and commercial banking services-including checking, savings, money-market, cash-management, retirement, health-savings, and residential mortgage products-to individuals, professionals, and businesses across the state.
The firm’s loan portfolio spans real-estate financing (commercial, residential, and home-equity), commercial and industrial lines for working-capital needs, construction and development loans, and consumer credit such as secured/unsecured installment loans and revolving credit lines. Ancillary services include credit cards, insurance, data-processing, investment-safekeeping, treasury management, and digital banking channels (online, telephone, mobile).
Key recent metrics (Q4 2023) show a net interest margin of 3.45%, a loan-to-deposit ratio of 78%, and a Common Equity Tier 1 (CET1) capital ratio of 11.2%, indicating solid profitability and capital adequacy for a regional bank. Deposits grew 4% YoY, while total loans rose 5% YoY, reflecting modest credit expansion amid a higher-for-longer interest-rate environment.
Sector-level drivers that will likely impact BFC include the Federal Reserve’s policy stance (persistently elevated rates supporting net interest income but pressuring loan demand), the Wisconsin housing market’s modest price appreciation (≈2% annual), and the regional commercial-real-estate outlook, which remains sensitive to small-business cash-flow health and construction activity trends.
For a deeper, data-rich perspective on BFC’s valuation dynamics, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 70.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -1368 % < 20% (prev -1567 %; Δ 199.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 64.3m > Net Income 70.6m |
| Net Debt (95.8m) to EBITDA (94.7m): 1.01 < 3 |
| Current Ratio: 0.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.83m) vs 12m ago -1.78% < -2% |
| Gross Margin: 69.66% > 18% (prev 0.68%; Δ 6898 % > 0.5%) |
| Asset Turnover: 5.45% > 50% (prev 4.84%; Δ 0.61% > 0%) |
| Interest Coverage Ratio: 1.21 > 6 (EBITDA TTM 94.7m / Interest Expense TTM 71.8m) |
Altman Z'' -4.28
| A: -0.73 (Total Current Assets 414.3m - Total Current Liabilities 3.66b) / Total Assets 4.42b |
| B: 0.09 (Retained Earnings 403.0m / Total Assets 4.42b) |
| C: 0.02 (EBIT TTM 87.2m / Avg Total Assets 4.36b) |
| D: 0.11 (Book Value of Equity 403.0m / Total Liabilities 3.79b) |
| Altman-Z'' Score: -4.28 = D |
What is the price of BFC shares?
Over the past week, the price has changed by +0.15%, over one month by +8.28%, over three months by +4.56% and over the past year by +39.71%.
Is BFC a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 143 | 5.2% |
| Analysts Target Price | 143 | 5.2% |
| ValueRay Target Price | 176.3 | 29.7% |
BFC Fundamental Data Overview January 24, 2026
P/S = 9.0274
P/B = 2.4223
Revenue TTM = 237.4m USD
EBIT TTM = 87.2m USD
EBITDA TTM = 94.7m USD
Long Term Debt = 221.9m USD (from longTermDebt, last quarter)
Short Term Debt = 25.1m USD (from shortTermDebt, last fiscal year)
Debt = 147.4m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 95.8m USD (from netDebt column, last quarter)
Enterprise Value = 1.54b USD (1.52b + Debt 147.4m - CCE 126.2m)
Interest Coverage Ratio = 1.21 (Ebit TTM 87.2m / Interest Expense TTM 71.8m)
EV/FCF = 29.63x (Enterprise Value 1.54b / FCF TTM 52.1m)
FCF Yield = 3.37% (FCF TTM 52.1m / Enterprise Value 1.54b)
FCF Margin = 21.96% (FCF TTM 52.1m / Revenue TTM 237.4m)
Net Margin = 29.76% (Net Income TTM 70.6m / Revenue TTM 237.4m)
Gross Margin = 69.66% ((Revenue TTM 237.4m - Cost of Revenue TTM 72.0m) / Revenue TTM)
Gross Margin QoQ = 70.29% (prev 69.11%)
Tobins Q-Ratio = 0.35 (Enterprise Value 1.54b / Total Assets 4.42b)
Interest Expense / Debt = 11.67% (Interest Expense 17.2m / Debt 147.4m)
Taxrate = 19.94% (4.48m / 22.5m)
NOPAT = 69.8m (EBIT 87.2m * (1 - 19.94%))
Current Ratio = 0.11 (Total Current Assets 414.3m / Total Current Liabilities 3.66b)
Debt / Equity = 0.23 (Debt 147.4m / totalStockholderEquity, last quarter 628.1m)
Debt / EBITDA = 1.01 (Net Debt 95.8m / EBITDA 94.7m)
Debt / FCF = 1.84 (Net Debt 95.8m / FCF TTM 52.1m)
Total Stockholder Equity = 632.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.62% (Net Income 70.6m / Total Assets 4.42b)
RoE = 11.18% (Net Income TTM 70.6m / Total Stockholder Equity 632.1m)
RoCE = 10.21% (EBIT 87.2m / Capital Employed (Equity 632.1m + L.T.Debt 221.9m))
RoIC = 8.81% (NOPAT 69.8m / Invested Capital 791.7m)
WACC = 7.90% (E(1.52b)/V(1.67b) * Re(7.76%) + D(147.4m)/V(1.67b) * Rd(11.67%) * (1-Tc(0.20)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.47%
[DCF Debug] Terminal Value 81.23% ; FCFF base≈51.0m ; Y1≈61.3m ; Y5≈98.3m
Fair Price DCF = 143.3 (EV 1.70b - Net Debt 95.8m = Equity 1.61b / Shares 11.2m; r=7.90% [WACC]; 5y FCF grow 21.54% → 2.90% )
EPS Correlation: 54.99 | EPS CAGR: 7.43% | SUE: 1.01 | # QB: 1
Revenue Correlation: 93.48 | Revenue CAGR: 21.00% | SUE: 0.90 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.28 | Chg30d=-0.030 | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=9.98 | Chg30d=+0.155 | Revisions Net=-1 | Growth EPS=+39.1% | Growth Revenue=+56.1%