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Financial Services - Banks - Regional - NASDAQ - US
$ 123.79
0.642 %
$ 1.23 B
Market Cap
18.18
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BFC stock under the worst case scenario is HIDDEN Compared to the current market price of 124 USD, Bank First Corporation is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BFC stock under the base case scenario is HIDDEN Compared to the current market price of 124 USD, Bank First Corporation is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BFC stock under the best case scenario is HIDDEN Compared to the current market price of 124 USD, Bank First Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BFC

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$125.0$125.0$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.0$100.0$100.0$95.0$95.0$90.0$90.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
223 M REVENUE
19.72%
79.5 M OPERATING INCOME
-19.52%
65.6 M NET INCOME
-12.01%
65.8 M OPERATING CASH FLOW
24.37%
-253 M INVESTING CASH FLOW
-94.03%
201 M FINANCING CASH FLOW
203.68%
60.5 M REVENUE
3.57%
22.1 M OPERATING INCOME
1.53%
18.2 M NET INCOME
4.00%
6.17 M OPERATING CASH FLOW
-79.98%
31.5 M INVESTING CASH FLOW
121.65%
1.82 M FINANCING CASH FLOW
-98.94%
Balance Sheet Bank First Corporation
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Current Assets 414 M
Cash & Short-Term Investments 414 M
Receivables 0
Other Current Assets 0
Non-Current Assets 4.08 B
Long-Term Investments 3.71 B
PP&E 71.1 M
Other Non-Current Assets 296 M
9.22 %82.62 %6.58 %Total Assets$4.5b
Current Liabilities 3.66 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 3.66 B
Non-Current Liabilities 194 M
Long-Term Debt 147 M
Other Non-Current Liabilities 46.9 M
94.96 %3.82 %Total Liabilities$3.9b
EFFICIENCY
Earnings Waterfall Bank First Corporation
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Revenue 223 M
Cost Of Revenue 67.8 M
Gross Profit 155 M
Operating Expenses 75.9 M
Operating Income 79.5 M
Other Expenses 14 M
Net Income 65.6 M
250m250m200m200m150m150m100m100m50m50m00223m(68m)155m(76m)80m(14m)66mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
69.63% GROSS MARGIN
69.63%
35.62% OPERATING MARGIN
35.62%
29.37% NET MARGIN
29.37%
10.25% ROE
10.25%
1.46% ROA
1.46%
7.86% ROIC
7.86%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bank First Corporation
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 65.6 M
Depreciation & Amortization 8.05 M
Capital Expenditures -7.22 M
Stock-Based Compensation 2.17 M
Change in Working Capital 2.37 M
Others -11.7 M
Free Cash Flow 58.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Bank First Corporation
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Wall Street analysts predict an average 1-year price target for BFC of $105 , with forecasts ranging from a low of $84 to a high of $130 .
BFC Lowest Price Target Wall Street Target
84 USD -32.14%
BFC Average Price Target Wall Street Target
105 USD -15.29%
BFC Highest Price Target Wall Street Target
130 USD 5.02%
Price
Max Price Target
Min Price Target
Average Price Target
130130120120110110100100909080807070Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.45% DIVIDEND YIELD
0.45 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
4.004.003.503.503.003.002.502.502.002.001.501.501.001.000.500.500.000.000.140.160.160.20.20.210.220.250.350.450.130.140.160.160.20.20.210.220.30.353.50.450.130.150.160.160.20.20.50.250.30.40.130.510.160.570.160.620.20.680.20.760.210.810.221.130.250.930.31.120.451.453.850.902015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Bank First Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
255 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
142 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Best Momentum Stocks to Buy for April 21st IDCC, BFC and CELH made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on April 21, 2025. zacks.com - 2 months ago
New Strong Buy Stocks for April 21st TKOMY, CELH, BFC, IDCC and ASML have been added to the Zacks Rank #1 (Strong Buy) List on April 21, 2025. zacks.com - 2 months ago
Bank First Corporation (BFC) Q1 Earnings and Revenues Top Estimates Bank First Corporation (BFC) came out with quarterly earnings of $1.82 per share, beating the Zacks Consensus Estimate of $1.62 per share. This compares to earnings of $1.51 per share a year ago. zacks.com - 2 months ago
Bank First Announces Net Income for the First Quarter of 2025 Net income of $18.2 million and earnings per common share of $1.82 for the three months ended March 31, 2025 Earnings per common share 20.53% higher than the prior-year first quarter Annualized return on average assets of 1.64% for the three months ended March 31, 2025 Quarterly cash dividend of $0.45 per share declared, matching the prior-quarter and 28.6% higher than the prior-year first quarter MANITOWOC, Wis. , April 15, 2025 /PRNewswire/ -- Bank First Corporation (NASDAQ: BFC) ("Bank First" or the "Bank"), the holding company for Bank First, N.A. prnewswire.com - 2 months ago
Bank First Corporation (BFC) Soars 3.4%: Is Further Upside Left in the Stock? Bank First Corporation (BFC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term. zacks.com - 2 months ago
Are Finance Stocks Lagging Annaly Capital Management (NLY) This Year? Here is how Annaly Capital Management (NLY) and Bank First Corporation (BFC) have performed compared to their sector so far this year. zacks.com - 3 months ago
Bank First Corporation (BFC) Upgraded to Buy: Here's Why Bank First Corporation (BFC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 5 months ago
Bank First Corporation (BFC) Q4 Earnings and Revenues Surpass Estimates Bank First Corporation (BFC) came out with quarterly earnings of $1.74 per share, beating the Zacks Consensus Estimate of $1.55 per share. This compares to earnings of $1.44 per share a year ago. zacks.com - 5 months ago
Bank First Announces Net Income for the Fourth Quarter of 2024 Net income of $17.5 million and $65.6 million for the three months and year ended December 31, 2024, respectively Earnings per common share of $1.75 and $6.50 for the three months and year ended December 31, 2024, respectively Annualized return on average assets of 1.60% and 1.56% for the three months and year ended December 31, 2024, respectively Quarterly cash dividend of $0.45 per share declared, matching the prior quarter and a 28.6% increase from the prior-year fourth quarter MANITOWOC, Wis. , Jan. 21, 2025 /PRNewswire/ -- Bank First Corporation (NASDAQ: BFC) ("Bank First" or the "Bank"), the holding company for Bank First, N.A. prnewswire.com - 5 months ago
Bank First Corporation (BFC) Upgraded to Strong Buy: Here's What You Should Know Bank First Corporation (BFC) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 6 months ago
Buy These 4 Stocks With Recent Dividend Hikes, Strong Upside South Plains Financial (SPFI), Prosperity Bancshares (PB), Penske Automotive Group (PAG) and Bank First (BFC) recently announced dividend hikes. zacks.com - 8 months ago
Bank First Corporation (BFC) Tops Q3 Earnings and Revenue Estimates Bank First Corporation (BFC) came out with quarterly earnings of $1.65 per share, beating the Zacks Consensus Estimate of $1.52 per share. This compares to earnings of $1.46 per share a year ago. zacks.com - 8 months ago
8. Profile Summary

Bank First Corporation BFC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.23 B
Dividend Yield 0.45%
Description Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
Contact 402 North 8th Street, Manitowoc, WI, 54220 https://www.bankfirst.com
IPO Date Oct. 15, 2003
Employees 362
Officers Ms. Meghann Kasper Chief Credit Officer Mr. Timothy J. McFarlane President & Director Mr. Kevin M. LeMahieu Chief Financial Officer Mr. Brendan Marston Chief Operations Officer Mr. Jason V. Krepline Chief Lending Officer Mr. Michael B. Molepske Chief Executive Officer & Chairman of the Board Mr. Glenn Curran President of Central Region Ms. Kelly M. Dvorak J.D. Chief Legal Counsel & Company Secretary Ms. Debbie Weyker Vice President of Marketing Ms. Brenda Haese Assistant Vice President of Human Resources