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Bank First Corporation BFC

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Price alert · BFC

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149.03 USD -1.59 -1.06%

At close

149.03 0.00 0.00%

Pre-market · Nov 2, 4:09 AM ET

Bid
148.81 × 1
Ask
149.28 × 1
148.77 Day range 151.67
119.08 52-week range 159.10
YTD
+22.34%
1 year
+19.42%
Open
151.67
Prev close
150.62
Mkt cap
1.65B
Vol
86.97K
Avg vol
73.22K
EPS
8.01
P/E
18.61
Div yield
1.59%
More statistics
Low
148.77
High
151.67
Forward P/E
12.36
Beta
0.41
Short ratio
9.80
Inst. own
39.61%
Dividend
2.60
Ex-div date
Dec 22, 2026
Earnings
Jan 21, 2027
50-d avg
150.46
200-d avg
145.01
1y target
163.00

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Financial health

Altman Z-Score

-0.54 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 16.8×
FY 2016: 13.9×FY 2017: 18.3×FY 2018: 12.2×FY 2019: 17.9×FY 2020: 12.8×FY 2021: 12.2×FY 2022: 16.6×FY 2023: 11.9×FY 2024: 15.2×FY 2025: 16.8×
FY 2016 5y median 15.2× FY 2025
P/S 5.0×
FY 2016: 4.1×FY 2017: 4.7×FY 2018: 3.7×FY 2019: 4.9×FY 2020: 4.1×FY 2021: 4.7×FY 2022: 5.7×FY 2023: 4.7×FY 2024: 4.5×FY 2025: 5.0×
FY 2016 5y median 4.7× FY 2025
P/B 1.9×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.8×FY 2019: 2.1×FY 2020: 1.6×FY 2021: 1.7×FY 2022: 1.6×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.9×
FY 2016 5y median 1.6× FY 2025
P/FCF 23.5×
FY 2016: 15.8×FY 2017: 18.1×FY 2018: 20.6×FY 2019: 31.0×FY 2020: 13.6×FY 2021: 17.4×FY 2022: 22.5×FY 2023: 22.3×FY 2024: 17.0×FY 2025: 23.5×
FY 2016 5y median 22.3× FY 2025
EV/EBITDA 13.2×
FY 2016: 9.2×FY 2017: 11.6×FY 2018: 8.6×FY 2019: 14.7×FY 2020: 7.3×FY 2021: 5.1×FY 2022: 11.8×FY 2023: 7.1×FY 2024: 10.0×FY 2025: 13.2×
FY 2016 5y median 10.0× FY 2025
EV/Sales 5.3×
FY 2016: 4.3×FY 2017: 5.0×FY 2018: 3.4×FY 2019: 5.5×FY 2020: 3.3×FY 2021: 2.7×FY 2022: 5.7×FY 2023: 4.1×FY 2024: 3.9×FY 2025: 5.3×
FY 2016 5y median 4.1× FY 2025
FCF Yield 4.3%
FY 2016: 6.3%FY 2017: 5.5%FY 2018: 4.9%FY 2019: 3.2%FY 2020: 7.4%FY 2021: 5.7%FY 2022: 4.4%FY 2023: 4.5%FY 2024: 5.9%FY 2025: 4.3%
FY 2016 5y median 4.5% FY 2025

Profitability

Gross Margin 70.3%
FY 2016: 87.5%FY 2017: 85.2%FY 2018: 79.0%FY 2019: 74.5%FY 2020: 82.1%FY 2021: 90.2%FY 2022: 88.8%FY 2023: 71.2%FY 2024: 69.6%FY 2025: 70.3%
FY 2016 5y median 71.2% FY 2025
Operating Margin 36.7%
FY 2016: 45.2%FY 2017: 40.7%FY 2018: 37.9%FY 2019: 35.3%FY 2020: 42.6%FY 2021: 51.3%FY 2022: 45.6%FY 2023: 53.0%FY 2024: 35.6%FY 2025: 36.7%
FY 2016 5y median 45.6% FY 2025
Net Margin 29.7%
FY 2016: 29.8%FY 2017: 25.8%FY 2018: 30.1%FY 2019: 27.5%FY 2020: 32.5%FY 2021: 38.9%FY 2022: 34.6%FY 2023: 40.0%FY 2024: 29.4%FY 2025: 29.7%
FY 2016 5y median 34.6% FY 2025
ROE 11.1%
FY 2016: 11.7%FY 2017: 9.5%FY 2018: 14.6%FY 2019: 11.6%FY 2020: 12.9%FY 2021: 14.1%FY 2022: 10.0%FY 2023: 12.0%FY 2024: 10.2%FY 2025: 11.1%
FY 2016 5y median 11.1% FY 2025
ROIC 1.6%
FY 2016: 7.9%FY 2017: 6.2%FY 2018: 10.8%FY 2019: 7.3%FY 2020: 9.6%FY 2021: 11.1%FY 2022: 7.5%FY 2023: 9.4%FY 2024: 7.9%FY 2025: 1.6%
FY 2016 5y median 7.9% FY 2025
ROA 1.6%
FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.4%FY 2019: 1.2%FY 2020: 1.4%FY 2021: 1.5%FY 2022: 1.2%FY 2023: 1.8%FY 2024: 1.5%FY 2025: 1.6%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 7.7%
FY 2016: 9.1%FY 2017: 18.6%FY 2018: 42.6%FY 2019: 14.9%FY 2020: 20.5%FY 2021: -0.2%FY 2022: 12.0%FY 2023: 42.6%FY 2024: 19.7%FY 2025: 7.7%
FY 2016 FY 2025
Operating Income 10.9%
FY 2016: 12.3%FY 2017: 6.7%FY 2018: 32.8%FY 2019: 7.0%FY 2020: 45.5%FY 2021: 20.2%FY 2022: -0.6%FY 2023: 65.7%FY 2024: -19.5%FY 2025: 10.9%
FY 2016 FY 2025
EPS (diluted) 11.2%
FY 2016: 12.7%FY 2017: 1.7%FY 2018: 56.1%FY 2019: 1.6%FY 2020: 30.5%FY 2021: 16.8%FY 2022: -5.8%FY 2023: 30.6%FY 2024: -10.5%FY 2025: 11.2%
FY 2016 FY 2025
Free Cash Flow -12.9%
FY 2016: 37.2%FY 2017: 18.4%FY 2018: -2.4%FY 2019: 1.7%FY 2020: 131.4%FY 2021: -11.3%FY 2022: 5.0%FY 2023: 19.1%FY 2024: 48.6%FY 2025: -12.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.8×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.8×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 1.8×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.8×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.7×
FY 2016: 0.4×FY 2017: 0.6×FY 2018: -0.6×FY 2019: 1.7×FY 2020: -1.8×FY 2021: -3.6×FY 2022: 0.1×FY 2023: -1.1×FY 2024: -1.3×FY 2025: 0.7×
FY 2016 5y median -1.1× FY 2025
Interest Coverage 1.3×
FY 2016: 3.8×FY 2017: 3.1×FY 2018: 2.2×FY 2019: 1.8×FY 2020: 3.6×FY 2021: 7.2×FY 2022: 4.8×FY 2023: 2.0×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 2.0× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 1.8%FY 2017: 1.4%FY 2018: 1.5%FY 2019: 1.1%FY 2020: 1.3%FY 2021: 1.6%FY 2022: 1.0%FY 2023: 1.4%FY 2024: 1.6%FY 2025: 4.4%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 73.4%
FY 2016: 24.6%FY 2017: 26.4%FY 2018: 17.8%FY 2019: 20.5%FY 2020: 16.2%FY 2021: 19.2%FY 2022: 17.3%FY 2023: 16.0%FY 2024: 23.7%FY 2025: 73.4%
FY 2016 5y median 19.2% FY 2025

Annual · latest fiscal year ends 2025-12-31