BANK FIRST CORP (BFC) Stock Fundamental Analysis

NASDAQ:BFC • US06211J1007

134.67 USD
-5.41 (-3.86%)
At close: Feb 27, 2026
134.67 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BFC scores 4 out of 10 in our fundamental rating. BFC was compared to 379 industry peers in the Banks industry. BFC has an average financial health and profitability rating. BFC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year BFC was profitable.
  • BFC had a positive operating cash flow in the past year.
  • Of the past 5 years BFC 4 years were profitable.
  • BFC had a positive operating cash flow in 4 of the past 5 years.
BFC Yearly Net Income VS EBIT VS OCF VS FCFBFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

  • BFC has a Return On Assets of 1.59%. This is amongst the best in the industry. BFC outperforms 89.97% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.19%, BFC is in the better half of the industry, outperforming 74.67% of the companies in the same industry.
Industry RankSector Rank
ROA 1.59%
ROE 11.19%
ROIC N/A
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)10.69%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
BFC Yearly ROA, ROE, ROICBFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 41.53%, BFC belongs to the top of the industry, outperforming 96.31% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BFC has grown nicely.
  • BFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 41.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.42%
PM growth 5Y5%
GM growth 3YN/A
GM growth 5YN/A
BFC Yearly Profit, Operating, Gross MarginsBFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • BFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for BFC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BFC Yearly Shares OutstandingBFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
BFC Yearly Total Debt VS Total AssetsBFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of BFC is 0.23, which is an excellent value as it means it would take BFC, only 0.23 years of fcf income to pay off all of its debts.
  • BFC's Debt to FCF ratio of 0.23 is amongst the best of the industry. BFC outperforms 86.02% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that BFC is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.02, BFC belongs to the best of the industry, outperforming 85.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.23
Altman-Z N/A
ROIC/WACCN/A
WACC11.1%
BFC Yearly LT Debt VS Equity VS FCFBFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFC Yearly Current Assets VS Current LiabilitesBFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.92% over the past year.
  • Measured over the past 5 years, BFC shows a small growth in Earnings Per Share. The EPS has been growing by 6.85% on average per year.
EPS 1Y (TTM)11.92%
EPS 3Y9.02%
EPS 5Y6.85%
EPS Q2Q%7.47%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.1%

3.2 Future

  • Based on estimates for the next years, BFC will show a very strong growth in Earnings Per Share. The EPS will grow by 22.28% on average per year.
  • Based on estimates for the next years, BFC will show a very strong growth in Revenue. The Revenue will grow by 26.27% on average per year.
EPS Next Y37.8%
EPS Next 2Y22.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year56.31%
Revenue Next 2Y26.27%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BFC Yearly Revenue VS EstimatesBFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
BFC Yearly EPS VS EstimatesBFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.63, the valuation of BFC can be described as rather expensive.
  • BFC's Price/Earnings ratio is rather expensive when compared to the industry. BFC is more expensive than 81.53% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, BFC is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 13.52, BFC is valued correctly.
  • Based on the Price/Forward Earnings ratio, BFC is valued a bit more expensive than the industry average as 72.03% of the companies are valued more cheaply.
  • BFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.63
Fwd PE 13.52
BFC Price Earnings VS Forward Price EarningsBFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BFC indicates a slightly more expensive valuation: BFC is more expensive than 79.16% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 28.99
EV/EBITDA N/A
BFC Per share dataBFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • BFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BFC's earnings are expected to grow with 22.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)2.72
EPS Next 2Y22.28%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.41%, BFC has a reasonable but not impressive dividend return.
  • BFC's Dividend Yield is slightly below the industry average, which is at 2.74.
  • BFC's Dividend Yield is slightly below the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.41%

5.2 History

  • The dividend of BFC is nicely growing with an annual growth rate of 13.89%!
  • BFC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.89%
Div Incr Years3
Div Non Decr Years3
BFC Yearly Dividends per shareBFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • BFC pays out 74.74% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of BFC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP74.74%
EPS Next 2Y22.28%
EPS Next 3YN/A
BFC Yearly Income VS Free CF VS DividendBFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BFC Dividend Payout.BFC Dividend Payout, showing the Payout Ratio.BFC Dividend Payout.PayoutRetained Earnings

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BANK FIRST CORP

NASDAQ:BFC (2/27/2026, 8:00:02 PM)

After market: 134.67 0 (0%)

134.67

-5.41 (-3.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-13
Inst Owners39.49%
Inst Owner Change11.89%
Ins Owners9.28%
Ins Owner Change-2.68%
Market Cap1.51B
Revenue(TTM)N/A
Net Income(TTM)70.30M
Analysts76.67
Price Target149.94 (11.34%)
Short Float %3.58%
Short Ratio5.5
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly Dividend1.53
Dividend Growth(5Y)13.89%
DP74.74%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-25
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.06%
Min EPS beat(2)-6.25%
Max EPS beat(2)0.13%
EPS beat(4)3
Avg EPS beat(4)3.58%
Min EPS beat(4)-6.25%
Max EPS beat(4)11.51%
EPS beat(8)7
Avg EPS beat(8)3.92%
EPS beat(12)7
Avg EPS beat(12)-1.23%
EPS beat(16)9
Avg EPS beat(16)-2.19%
Revenue beat(2)0
Avg Revenue beat(2)-4.05%
Min Revenue beat(2)-6.02%
Max Revenue beat(2)-2.08%
Revenue beat(4)1
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)2.15%
Revenue beat(8)3
Avg Revenue beat(8)9.68%
Revenue beat(12)3
Avg Revenue beat(12)5.46%
Revenue beat(16)5
Avg Revenue beat(16)4.3%
PT rev (1m)2.44%
PT rev (3m)2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.94%
Valuation
Industry RankSector Rank
PE 18.63
Fwd PE 13.52
P/S 8.93
P/FCF 28.99
P/OCF 23.51
P/B 2.41
P/tB 3.58
EV/EBITDA N/A
EPS(TTM)7.23
EY5.37%
EPS(NY)9.96
Fwd EY7.4%
FCF(TTM)4.65
FCFY3.45%
OCF(TTM)5.73
OCFY4.25%
SpS15.08
BVpS55.98
TBVpS37.6
PEG (NY)0.49
PEG (5Y)2.72
Graham Number95.43
Profitability
Industry RankSector Rank
ROA 1.59%
ROE 11.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.53%
GM N/A
FCFM 30.8%
ROA(3y)1.48%
ROA(5y)1.47%
ROE(3y)10.69%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.42%
PM growth 5Y5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.23
Debt/EBITDA N/A
Cap/Depr 160.94%
Cap/Sales 7.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.1%
ROIC/WACCN/A
Cap/Depr(3y)141%
Cap/Depr(5y)191.91%
Cap/Sales(3y)5.72%
Cap/Sales(5y)6.49%
Profit Quality(3y)72.32%
Profit Quality(5y)76.22%
High Growth Momentum
Growth
EPS 1Y (TTM)11.92%
EPS 3Y9.02%
EPS 5Y6.85%
EPS Q2Q%7.47%
EPS Next Y37.8%
EPS Next 2Y22.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.1%
Revenue Next Year56.31%
Revenue Next 2Y26.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.01%
FCF growth 3Y22.93%
FCF growth 5Y30.68%
OCF growth 1Y22.08%
OCF growth 3Y17.8%
OCF growth 5Y23.79%

BANK FIRST CORP / BFC FAQ

Can you provide the ChartMill fundamental rating for BANK FIRST CORP?

ChartMill assigns a fundamental rating of 4 / 10 to BFC.


What is the valuation status for BFC stock?

ChartMill assigns a valuation rating of 3 / 10 to BANK FIRST CORP (BFC). This can be considered as Overvalued.


What is the profitability of BFC stock?

BANK FIRST CORP (BFC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for BFC stock?

The Price/Earnings (PE) ratio for BANK FIRST CORP (BFC) is 18.63 and the Price/Book (PB) ratio is 2.41.


Can you provide the expected EPS growth for BFC stock?

The Earnings per Share (EPS) of BANK FIRST CORP (BFC) is expected to grow by 37.8% in the next year.