8-K Announcements
6Apr 16, 2026·SEC
Jan 22, 2026·SEC
Jan 20, 2026·SEC
Bank First Corporation (BFC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Bank First Corporation (BFC) stock price & volume — 10-year historical chart
Bank First Corporation (BFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Bank First Corporation (BFC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $2.24vs $2.40-6.7% | $64Mvs $66M-3.0% |
| Q1 2026 | Feb 27, 2026 | $1.87 | $61M |
| Q1 2026 | Jan 22, 2026 | $2.00vs $1.81+10.5% | $45Mvs $44M+2.6% |
| Q4 2025 | Oct 21, 2025 | $1.91vs $1.85+3.2% | $43Mvs $44M-2.8% |
Bank First Corporation (BFC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Bank First Corporation (BFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Bank First Corporation (BFC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 38.79M | 45.74M | 63.1M | 69.67M | 86.83M | 90.08M | 104.08M | 133.48M | 137.8M | 147.05M |
| NII Growth % | 7.76% | 17.9% | 37.95% | 10.41% | 24.64% | 3.74% | 15.54% | 28.24% | 3.24% | 35.39% |
| Net Interest Margin % | 2.95% | 2.61% | 3.52% | 3.15% | 3.19% | 3.07% | 2.84% | 3.16% | 3.07% | 3.33% |
| Interest Income | 44.73M | 53.47M | 77.94M | 89.17M | 100.7M | 98.39M | 116.53M | 182.48M | 206.41M | 218.83M |
| Interest Expense | 5.93M | 7.73M | 14.85M | 19.5M | 13.87M | 8.3M | 12.45M | 49M | 68.61M | 71.78M |
| Loan Loss Provision | 320K | 1.05M | 2.94M | 5.25M | 7.13M | 3.1M | 2.2M | 4.68M | -800K | 250K |
| Non-Interest Income | 5.27M | 5.81M | 6.57M | 7.98M | 16.32M | 18.39M | 14.23M | 3.99M | 16.84M | 18.59M |
| Non-Interest Income % | 10.54% | 9.8% | 7.77% | 8.21% | 13.95% | 15.75% | 10.88% | 2.14% | 7.54% | 7.83% |
| Total Revenue | 50M▲ 0% | 59.28M▲ 18.6% | 84.52M▲ 42.6% | 97.14M▲ 14.9% | 117.02M▲ 20.5% | 116.78M▼ 0.2% | 130.77M▲ 12.0% | 186.47M▲ 42.6% | 223.24M▲ 19.7% | 237.42M▲ 0% |
| Revenue Growth % | 9.11% | 18.57% | 42.56% | 14.94% | 20.46% | -0.2% | 11.98% | 42.6% | 19.72% | 62.45% |
| Non-Interest Expense | 21.13M | 26.36M | 34.68M | 38.11M | 46.15M | 45.41M | 56.49M | 33.99M | 75.92M | 78.35M |
| Efficiency Ratio | 42.26% | 44.46% | 41.04% | 39.23% | 39.44% | 38.88% | 43.2% | 18.23% | 34.01% | 33% |
| Operating Income | 22.62M▲ 0% | 24.14M▲ 6.7% | 32.05M▲ 32.8% | 34.29M▲ 7.0% | 49.88M▲ 45.5% | 59.97M▲ 20.2% | 59.63M▼ 0.6% | 98.79M▲ 65.7% | 79.51M▼ 19.5% | 87.05M▲ 0% |
| Operating Margin % | 45.24% | 40.72% | 37.93% | 35.3% | 42.62% | 51.35% | 45.6% | 52.98% | 35.62% | 36.66% |
| Operating Income Growth % | 12.26% | 6.72% | 32.79% | 6.98% | 45.46% | 20.23% | -0.56% | 65.67% | -19.52% | - |
| Pretax Income | 22.62M▲ 0% | 24.14M▲ 6.7% | 32.05M▲ 32.8% | 34.29M▲ 7.0% | 49.88M▲ 45.5% | 59.97M▲ 20.2% | 59.63M▼ 0.6% | 98.79M▲ 65.7% | 79.51M▼ 19.5% | 87.05M▲ 0% |
| Pretax Margin % | 45.24% | 40.72% | 37.93% | 35.3% | 42.62% | 51.35% | 45.6% | 52.98% | 35.62% | 36.66% |
| Income Tax | 7.71M | 8.83M | 6.6M | 7.59M | 11.83M | 14.52M | 14.42M | 24.28M | 13.95M | 16.4M |
| Effective Tax Rate % | 34.07% | 36.56% | 20.58% | 22.15% | 23.72% | 24.22% | 24.18% | 24.58% | 17.54% | 18.84% |
| Net Income | 14.91M▲ 0% | 15.31M▲ 2.7% | 25.46M▲ 66.2% | 26.69M▲ 4.9% | 38.05M▲ 42.5% | 45.44M▲ 19.4% | 45.21M▼ 0.5% | 74.51M▲ 64.8% | 65.56M▼ 12.0% | 70.65M▲ 0% |
| Net Margin % | 29.83% | 25.83% | 30.12% | 27.48% | 32.51% | 38.91% | 34.58% | 39.96% | 29.37% | 29.76% |
| Net Income Growth % | 11.33% | 2.68% | 66.24% | 4.86% | 42.53% | 19.44% | -0.51% | 64.8% | -12.01% | -14.8% |
| Net Income (Continuing) | 14.91M | 15.31M | 25.46M | 26.69M | 38.05M | 45.44M | 45.21M | 74.51M | 65.56M | 70.65M |
| EPS (Diluted) | 2.40▲ 0% | 2.44▲ 1.7% | 3.81▲ 56.1% | 3.87▲ 1.6% | 5.05▲ 30.5% | 5.90▲ 16.8% | 5.56▼ 5.8% | 7.26▲ 30.6% | 6.50▼ 10.5% | 7.18▲ 0% |
| EPS Growth % | 12.68% | 1.67% | 56.15% | 1.57% | 30.49% | 16.83% | -5.76% | 30.58% | -10.47% | -12.67% |
| EPS (Basic) | 2.40 | 2.44 | 3.81 | 3.91 | 5.07 | 5.92 | 5.58 | 7.28 | 6.50 | - |
| Diluted Shares Outstanding | 6.22M | 6.29M | 6.67M | 6.9M | 7.48M | 7.64M | 8.07M | 10.2M | 10.05M | 9.83M |
Bank First Corporation (BFC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 151.63M | 172.14M | 182.17M | 238.7M | 335.26M | 509.55M | 424.38M | 407.44M | 414.29M | 1.25B |
| Cash & Due from Banks | 40.31M | 53.1M | 63.27M | 53.06M | 170.22M | 296.86M | 119.35M | 247.47M | 261.33M | 126.18M |
| Short Term Investments | 111.33M | 119.04M | 118.91M | 185.64M | 165.79M | 212.69M | 305.03M | 159.97M | 152.96M | 98.98M |
| Total Investments | 1.18B | 1.57B | 1.61B | 2B | 2.4B | 2.49B | 3.28B | 3.6B | 3.87B | 3.93B |
| Investments Growth % | 7.49% | 32.93% | 2.04% | 24.29% | 20.12% | 3.71% | 32.01% | 9.74% | 7.34% | 23.4% |
| Long-Term Investments | 1.07B | 1.45B | 1.49B | 1.81B | 2.23B | 2.27B | 2.98B | 3.44B | 3.71B | 15.07B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 10.39M | 20.66M | 20.32M | 53.12M | 64.64M | 64.41M | 136.62M | 215.77M | 209.68M | 206.21M |
| Goodwill | 7.98M | 15.09M | 15.02M | 43.46M | 55.47M | 55.36M | 110.21M | 175.11M | 175.11M | 175.11M |
| Intangible Assets | 2.41M | 5.58M | 5.3M | 9.67M | 9.17M | 9.05M | 26.41M | 40.66M | 34.57M | 31.1M |
| PP&E (Net) | 13.32M | 18.58M | 24.49M | 35.29M | 43.18M | 49.46M | 56.45M | 69.89M | 71.11M | 78.03M |
| Other Assets | 68.13M | 87.35M | 79.22M | 72.71M | 42.48M | 40.3M | 65.66M | 86.52M | 86.28M | 83.91M |
| Total Current Assets | 151.63M | 172.14M | 182.17M | 238.7M | 335.26M | 509.55M | 424.38M | 407.44M | 414.29M | 225.17M |
| Total Non-Current Assets | 1.16B | 1.58B | 1.61B | 1.97B | 2.38B | 2.43B | 3.24B | 3.81B | 4.08B | 4.2B |
| Total Assets | 1.32B▲ 0% | 1.75B▲ 33.2% | 1.79B▲ 2.3% | 2.21B▲ 23.3% | 2.72B▲ 23.0% | 2.94B▲ 8.1% | 3.66B▲ 24.6% | 4.22B▲ 15.3% | 4.5B▲ 6.5% | 4.42B▲ 0% |
| Asset Growth % | 6.33% | 33.24% | 2.27% | 23.26% | 22.98% | 8.08% | 24.61% | 15.34% | 6.47% | 24.57% |
| Return on Assets (ROA) | 1.17% | 1% | 1.44% | 1.33% | 1.54% | 1.61% | 1.37% | 1.89% | 1.5% | 1.6% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 50.11M | 67.57M | 42.99M | 114.28M | 77.35M | 66.63M | 122.63M | 127.14M | 147.37M | 221.94M |
| Net Debt | 9.8M | 14.47M | -20.28M | 61.22M | -92.87M | -230.23M | 3.27M | -120.33M | -113.96M | 95.76M |
| Long-Term Debt | 0 | 15M | 11.5M | 68.41M | 40.97M | 25.51M | 25.43M | 51.39M | 147.37M | 221.94M |
| Short-Term Debt | 50.11M | 52.57M | 31.49M | 45.87M | 36.38M | 41.12M | 97.2M | 75.75M | 0 | 0 |
| Other Liabilities | 11.35M | 17.47M | 18.69M | 22.37M | 24.85M | 19.83M | 24.48M | 41.98M | 46.93M | 31.58M |
| Total Current Liabilities | 1.18B | 1.56B | 1.59B | 1.89B | 2.36B | 2.57B | 3.16B | 3.51B | 3.66B | 3.54B |
| Total Non-Current Liabilities | 11.35M | 32.47M | 30.19M | 90.78M | 65.82M | 45.34M | 49.9M | 93.38M | 194.3M | 253.53M |
| Total Liabilities | 1.19B | 1.59B | 1.62B | 1.98B | 2.42B | 2.61B | 3.21B | 3.6B | 3.86B | 3.79B |
| Total Equity | 127.52M▲ 0% | 161.73M▲ 26.8% | 174.32M▲ 7.8% | 230.21M▲ 32.1% | 294.86M▲ 28.1% | 322.65M▲ 9.4% | 453.1M▲ 40.4% | 619.8M▲ 36.8% | 639.68M▲ 3.2% | 628.13M▲ 0% |
| Equity Growth % | 7.23% | 26.82% | 7.79% | 32.06% | 28.08% | 9.43% | 40.43% | 36.79% | 3.21% | 9.13% |
| Equity / Assets (Capital Ratio) | 9.69% | 9.22% | 9.72% | 10.42% | 10.85% | 10.98% | 12.38% | 14.68% | 14.23% | 14.21% |
| Return on Equity (ROE) | 12.1% | 10.59% | 15.15% | 13.2% | 14.49% | 14.72% | 11.66% | 13.89% | 10.41% | 11.25% |
| Book Value per Share | 20.50 | 25.73 | 26.12 | 33.35 | 39.41 | 42.22 | 56.15 | 60.77 | 63.62 | 63.87 |
| Tangible BV per Share | 18.83 | 22.44 | 23.07 | 25.65 | 30.77 | 33.79 | 39.22 | 39.61 | 42.77 | 42.90 |
| Common Stock | 67K | 74K | 74K | 79K | 85K | 85K | 101K | 115K | 115K | 115K |
| Additional Paid-in Capital | 2.83M | 27.53M | 27.6M | 63.09M | 92.85M | 93.15M | 218.26M | 333.81M | 333.84M | 333.29M |
| Retained Earnings | 134.77M | 145.88M | 168.36M | 189.49M | 221.39M | 258.1M | 295.5M | 348M | 398M | 403.04M |
| Accumulated OCI | 292K | 977K | -366K | 2.49M | 5.76M | 3.61M | -15.57M | -8.75M | -9.35M | -6.16M |
| Treasury Stock | -10.44M | -12.73M | -21.35M | -24.94M | -25.23M | -32.29M | -45.19M | -53.39M | -82.92M | -102.16M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank First Corporation (BFC) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 14.41M | 18.32M | 23.05M | 22.65M | 43.96M | 40.28M | 40.01M | 52.95M | 65.85M | 65.85M |
| Operating CF Growth % | 14.27% | 27.11% | 25.81% | -1.75% | 94.11% | -8.37% | -0.68% | 32.34% | 24.37% | 377.34% |
| Net Income | 14.91M | 15.31M | 25.46M | 26.69M | 38.05M | 45.44M | 45.21M | 74.51M | 65.56M | 70.65M |
| Depreciation & Amortization | 918K | 1.26M | 1.87M | 2.34M | 3.17M | 3.19M | 3.97M | 8.4M | 8.05M | 7.55M |
| Deferred Taxes | -66K | 624K | 1.15M | 856K | -116K | -1K | -869K | -1.72M | 1.77M | 0 |
| Other Non-Cash Items | -2.42M | -4.72M | -7.74M | -8.26M | -5.2M | -5.38M | -9.56M | -42.86M | -14.56M | -11.13M |
| Working Capital Changes | 655K | 5.38M | 1.76M | 332K | 6.98M | -4.36M | -411K | 12.48M | 2.85M | -4.91M |
| Cash from Investing | -83.03M | -41.42M | -30.1M | -106.15M | -206.03M | -93.89M | -177.81M | 269M | -252.94M | -197M |
| Purchase of Investments | -44.67M | -49.59M | -22.91M | -117.55M | -28.76M | -93.77M | -142.41M | -26.65M | -302.21M | -411.28M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -43.67M | -48.59M | -21.91M | -116.55M | -27.76M | -92.77M | -141.41M | -25.65M | -301.21M | -407.28M |
| Acquisitions | 0 | -19.88M | 0 | -9.77M | 35.3M | 0 | 154.36M | 89.96M | 0 | 0 |
| Other Investing | -67.82M | -31.5M | -21.96M | -31.42M | -337.41M | -34.52M | -197.57M | -35.53M | -160.07M | -152.57M |
| Cash from Financing | 63.13M | 44.92M | 12.81M | 62.21M | 245.83M | 180.24M | -39.71M | -193.82M | 200.95M | 54.48M |
| Dividends Paid | -3.67M | -4.05M | -4.53M | -5.46M | -6.15M | -8.73M | -7.82M | -11.96M | -15.56M | -52.54M |
| Share Repurchases | -2.59M | -3.63M | -10.45M | -4.21M | -4.37M | -8.27M | -14.31M | -10.05M | -31.93M | -22.04M |
| Stock Issued | 448K | 896K | 1.35M | 0 | 19K | 114K | 114K | 195K | 245K | 723K |
| Net Stock Activity | -2.14M | -2.73M | -9.1M | -4.21M | -4.35M | -8.16M | -14.2M | -9.85M | -31.68M | -21.32M |
| Debt Issuance (Net) | 0 | 1000K | -1000K | 1000K | -1000K | -1000K | -884K | 1000K | 1000K | -1.51M |
| Other Financing | 68.93M | 31.7M | 34.94M | 31.88M | 296.75M | 212.63M | -16.8M | -180.86M | 152.32M | 149.72M |
| Net Change in Cash | -5.49M▲ 0% | 21.82M▲ 497.7% | 5.77M▼ 73.6% | -21.29M▼ 469.3% | 83.77M▲ 493.4% | 126.64M▲ 51.2% | -177.51M▼ 240.2% | 128.12M▲ 172.2% | 13.86M▼ 89.2% | -78.24M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 85.64M | 80.16M | 101.98M | 107.74M | 86.45M | 170.22M | 296.86M | 119.35M | 247.47M | 120.33M |
| Cash at End | 80.16M | 101.98M | 107.74M | 86.45M | 170.22M | 296.86M | 119.35M | 247.47M | 261.33M | 126.18M |
| Interest Paid | 5.79M | 6.75M | 14.44M | 18.94M | 14.97M | 7.06M | 11.31M | 44.15M | 65.97M | 71.84M |
| Income Taxes Paid | 8.2M | 7.98M | 5.78M | 6.68M | 10.18M | 16.76M | 14.13M | 23.81M | 14.09M | 700K |
| Free Cash Flow | 13.09M▲ 0% | 15.5M▲ 18.4% | 15.13M▼ 2.4% | 15.38M▲ 1.7% | 35.59M▲ 131.4% | 31.57M▼ 11.3% | 33.14M▲ 5.0% | 39.46M▲ 19.1% | 58.62M▲ 48.6% | 52.13M▲ 0% |
| FCF Growth % | 37.24% | 18.37% | -2.41% | 1.69% | 131.42% | -11.31% | 4.98% | 19.09% | 48.56% | 5.65% |
Bank First Corporation (BFC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.1% | 10.59% | 15.15% | 13.2% | 14.49% | 14.72% | 11.66% | 13.89% | 10.41% | 11.25% |
| Return on Assets (ROA) | 1.17% | 1% | 1.44% | 1.33% | 1.54% | 1.61% | 1.37% | 1.89% | 1.5% | 1.6% |
| Net Interest Margin | 2.95% | 2.61% | 3.52% | 3.15% | 3.19% | 3.07% | 2.84% | 3.16% | 3.07% | 3.33% |
| Efficiency Ratio | 42.26% | 44.46% | 41.04% | 39.23% | 39.44% | 38.88% | 43.2% | 18.23% | 34.01% | 33% |
| Equity / Assets | 9.69% | 9.22% | 9.72% | 10.42% | 10.85% | 10.98% | 12.38% | 14.68% | 14.23% | 14.21% |
| Book Value / Share | 20.5 | 25.73 | 26.12 | 33.35 | 39.41 | 42.22 | 56.15 | 60.77 | 63.62 | 63.87 |
| NII Growth | 7.76% | 17.9% | 37.95% | 10.41% | 24.64% | 3.74% | 15.54% | 28.24% | 3.24% | 8.8% |
| Dividend Payout | 24.58% | 26.42% | 17.8% | 20.47% | 16.16% | 19.22% | 17.3% | 16.05% | 23.74% | 74.37% |
Bank First Corporation (BFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 16, 2026·SEC
Jan 22, 2026·SEC
Jan 20, 2026·SEC
Bank First Corporation (BFC) stock FAQ — growth, dividends, profitability & financials explained
Bank First Corporation (BFC) grew revenue by 19.7% over the past year. This is strong growth.
Yes, Bank First Corporation (BFC) is profitable, generating $70.6M in net income for fiscal year 2024 (29.4% net margin).
Yes, Bank First Corporation (BFC) pays a dividend with a yield of 1.06%. This makes it attractive for income-focused investors.
Bank First Corporation (BFC) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.
Bank First Corporation (BFC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Bank First Corporation (BFC) has an efficiency ratio of 34.0%. This is excellent, indicating strong cost control.
Bank First Corporation (BFC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates