BANK FIRST CORP (BFC) Fundamental Analysis & Valuation

NASDAQ:BFC • US06211J1007

Current stock price

132.56 USD
-1.11 (-0.83%)
At close:
132.56 USD
0 (0%)
After Hours:

This BFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. BFC Profitability Analysis

1.1 Basic Checks

  • In the past year BFC was profitable.
  • In the past year BFC had a positive cash flow from operations.
  • In the past 5 years BFC has always been profitable.
  • Each year in the past 5 years BFC had a positive operating cash flow.
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 2025 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.58%, BFC belongs to the top of the industry, outperforming 88.95% of the companies in the same industry.
  • With a decent Return On Equity value of 11.05%, BFC is doing good in the industry, outperforming 71.58% of the companies in the same industry.
Industry RankSector Rank
ROA 1.58%
ROE 11.05%
ROIC N/A
ROA(3y)1.59%
ROA(5y)1.51%
ROE(3y)11.07%
ROE(5y)11.42%
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 2025 5 10

1.3 Margins

  • With an excellent Profit Margin value of 40.92%, BFC belongs to the best of the industry, outperforming 96.05% of the companies in the same industry.
  • BFC's Profit Margin has improved in the last couple of years.
  • 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) 40.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.13%
PM growth 5Y3.61%
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 2025 10 20 30 40

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4

2. BFC Health Analysis

2.1 Basic Checks

  • BFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BFC has been reduced compared to 1 year ago.
  • The number of shares outstanding for BFC has been increased compared to 5 years ago.
  • Compared to 1 year ago, BFC has an improved debt to assets ratio.
BFC Yearly Shares OutstandingBFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of BFC is 0.24, which is an excellent value as it means it would take BFC, only 0.24 years of fcf income to pay off all of its debts.
  • BFC has a Debt to FCF ratio of 0.24. This is amongst the best in the industry. BFC outperforms 87.37% of its industry peers.
  • BFC has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.02, BFC belongs to the best of the industry, outperforming 86.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC11.81%
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 2025 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 2025 20M 40M 60M 80M

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

8

3. BFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.92% over the past year.
  • BFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.85% yearly.
  • BFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.26%.
  • Measured over the past years, BFC shows a quite strong growth in Revenue. The Revenue has been growing by 9.53% on average per year.
EPS 1Y (TTM)11.92%
EPS 3Y9.02%
EPS 5Y6.85%
EPS Q2Q%7.47%
Revenue 1Y (TTM)10.26%
Revenue growth 3Y11.96%
Revenue growth 5Y9.53%
Sales Q2Q%12.1%

3.2 Future

  • The Earnings Per Share is expected to grow by 21.07% on average over the next years. This is a very strong growth
  • BFC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.27% yearly.
EPS Next Y38.08%
EPS Next 2Y21.07%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. BFC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.33, BFC is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of BFC indicates a rather expensive valuation: BFC more expensive than 83.16% of the companies listed in the same industry.
  • BFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.61.
  • The Price/Forward Earnings ratio is 13.28, which indicates a correct valuation of BFC.
  • Based on the Price/Forward Earnings ratio, BFC is valued a bit more expensive than the industry average as 72.63% of the companies are valued more cheaply.
  • BFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.79.
Industry RankSector Rank
PE 18.33
Fwd PE 13.28
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

  • 78.95% of the companies in the same industry are cheaper than BFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 29.09
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

  • The 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 21.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)2.67
EPS Next 2Y21.07%
EPS Next 3YN/A

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

3

5. BFC Dividend Analysis

5.1 Amount

  • BFC has a Yearly Dividend Yield of 1.49%.
  • BFC's Dividend Yield is slightly below the industry average, which is at 2.78.
  • BFC's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.49%

5.2 History

  • The dividend of BFC is nicely growing with an annual growth rate of 44.80%!
  • BFC has paid a dividend for at least 10 years, which is a reliable track record.
  • BFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)44.8%
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 73.79% of its income as dividend. This is not a sustainable payout ratio.
  • BFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.79%
EPS Next 2Y21.07%
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 2025 20M 40M 60M
BFC Dividend Payout.BFC Dividend Payout, showing the Payout Ratio.BFC Dividend Payout.PayoutRetained Earnings

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BFC Fundamentals: All Metrics, Ratios and Statistics

BANK FIRST CORP

NASDAQ:BFC (3/25/2026, 8:12:08 PM)

After market: 132.56 0 (0%)

132.56

-1.11 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-13
Inst Owners33.81%
Inst Owner Change11.93%
Ins Owners9.26%
Ins Owner Change-0.59%
Market Cap1.48B
Revenue(TTM)173.88M
Net Income(TTM)71.15M
Analysts76.67
Price Target149.94 (13.11%)
Short Float %3.3%
Short Ratio3.92
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
Yearly Dividend5.29
Dividend Growth(5Y)44.8%
DP73.79%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.92%
Min EPS beat(2)0.13%
Max EPS beat(2)5.71%
EPS beat(4)3
Avg EPS beat(4)2.77%
Min EPS beat(4)-6.25%
Max EPS beat(4)11.51%
EPS beat(8)7
Avg EPS beat(8)4.49%
EPS beat(12)8
Avg EPS beat(12)0.64%
EPS beat(16)9
Avg EPS beat(16)-2.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.18%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)-0.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)2.15%
Revenue beat(8)2
Avg Revenue beat(8)-1.68%
Revenue beat(12)3
Avg Revenue beat(12)5.96%
Revenue beat(16)4
Avg Revenue beat(16)4.09%
PT rev (1m)0%
PT rev (3m)2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.93%
EPS NY rev (1m)0.2%
EPS NY rev (3m)13.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)18.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)17.28%
Valuation
Industry RankSector Rank
PE 18.33
Fwd PE 13.28
P/S 8.54
P/FCF 29.09
P/OCF 23.76
P/B 2.31
P/tB 3.38
EV/EBITDA N/A
EPS(TTM)7.23
EY5.45%
EPS(NY)9.98
Fwd EY7.53%
FCF(TTM)4.56
FCFY3.44%
OCF(TTM)5.58
OCFY4.21%
SpS15.52
BVpS57.49
TBVpS39.19
PEG (NY)0.48
PEG (5Y)2.67
Graham Number96.7
Profitability
Industry RankSector Rank
ROA 1.58%
ROE 11.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.92%
GM N/A
FCFM 29.35%
ROA(3y)1.59%
ROA(5y)1.51%
ROE(3y)11.07%
ROE(5y)11.42%
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 3Y4.13%
PM growth 5Y3.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Debt/EBITDA N/A
Cap/Depr 154.21%
Cap/Sales 6.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 71.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.81%
ROIC/WACCN/A
Cap/Depr(3y)134.86%
Cap/Depr(5y)170.11%
Cap/Sales(3y)6.07%
Cap/Sales(5y)6.29%
Profit Quality(3y)71.63%
Profit Quality(5y)71.73%
High Growth Momentum
Growth
EPS 1Y (TTM)11.92%
EPS 3Y9.02%
EPS 5Y6.85%
EPS Q2Q%7.47%
EPS Next Y38.08%
EPS Next 2Y21.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.26%
Revenue growth 3Y11.96%
Revenue growth 5Y9.53%
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 1Y-12.94%
FCF growth 3Y15.48%
FCF growth 5Y7.48%
OCF growth 1Y-5.11%
OCF growth 3Y16.02%
OCF growth 5Y7.29%

BANK FIRST CORP / BFC Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 5 / 10.


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

The Price/Earnings (PE) ratio for BANK FIRST CORP (BFC) is 18.33 and the Price/Book (PB) ratio is 2.31.


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 38.08% in the next year.