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BANK FIRST CORP (BFC) Stock Fundamental Analysis

NASDAQ:BFC - Nasdaq - US06211J1007 - Common Stock - Currency: USD

121  -2.13 (-1.73%)

Fundamental Rating

4

BFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. BFC has only an average score on both its financial health and profitability. While showing a medium growth rate, BFC is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

BFC had positive earnings in the past year.
BFC had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

BFC has a Return On Assets of 1.51%. This is amongst the best in the industry. BFC outperforms 89.34% of its industry peers.
The Return On Equity of BFC (10.49%) is better than 73.60% of its industry peers.
Industry RankSector Rank
ROA 1.51%
ROE 10.49%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 41.72%, BFC belongs to the top of the industry, outperforming 96.95% of the companies in the same industry.
BFC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 41.72%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

2. Health

2.1 Basic Checks

BFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BFC has less shares outstanding
Compared to 5 years ago, BFC has more shares outstanding
The debt/assets ratio for BFC has been reduced compared to a year ago.
BFC Yearly Shares OutstandingBFC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of BFC is 0.19, which is an excellent value as it means it would take BFC, only 0.19 years of fcf income to pay off all of its debts.
BFC's Debt to FCF ratio of 0.19 is amongst the best of the industry. BFC outperforms 87.82% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that BFC is not too dependend on debt financing.
The Debt to Equity ratio of BFC (0.02) is better than 85.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC11.99%
BFC Yearly LT Debt VS Equity VS FCFBFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.74% over the past year.
Measured over the past years, BFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.79% on average per year.
BFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.74%.
BFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.86% yearly.
EPS 1Y (TTM)17.74%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.53%
Revenue 1Y (TTM)-14.74%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%14.25%

3.2 Future

Based on estimates for the next years, BFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.84% on average per year.
The Revenue is expected to grow by 8.34% on average over the next years. This is quite good.
EPS Next Y13.99%
EPS Next 2Y8.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.94%
Revenue Next 2Y8.34%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BFC Yearly Revenue VS EstimatesBFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
BFC Yearly EPS VS EstimatesBFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.87, the valuation of BFC can be described as rather expensive.
74.87% of the companies in the same industry are cheaper than BFC, based on the Price/Earnings ratio.
BFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.51.
Based on the Price/Forward Earnings ratio of 15.81, the valuation of BFC can be described as correct.
Based on the Price/Forward Earnings ratio, BFC is valued a bit more expensive than 75.38% of the companies in the same industry.
BFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.58.
Industry RankSector Rank
PE 17.87
Fwd PE 15.81
BFC Price Earnings VS Forward Price EarningsBFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

72.84% of the companies in the same industry are cheaper than BFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.33
EV/EBITDA N/A
BFC Per share dataBFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.28
PEG (5Y)1.66
EPS Next 2Y8.84%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.46%, BFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.31, BFC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.35, BFC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.46%

5.2 History

On average, the dividend of BFC grows each year by 13.89%, which is quite nice.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

BFC pays out 24.27% of its income as dividend. This is a sustainable payout ratio.
BFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.27%
EPS Next 2Y8.84%
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 2015 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 (7/15/2025, 10:47:04 AM)

121

-2.13 (-1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners33.24%
Inst Owner Change0%
Ins Owners9.21%
Ins Owner Change2.41%
Market Cap1.20B
Analysts76.67
Price Target122.91 (1.58%)
Short Float %2.42%
Short Ratio1.96
Dividend
Industry RankSector Rank
Dividend Yield 1.46%
Yearly Dividend1.53
Dividend Growth(5Y)13.89%
DP24.27%
Div Incr Years3
Div Non Decr Years3
Ex-Date06-25 2025-06-25 (0.45)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.22%
Min EPS beat(2)8.93%
Max EPS beat(2)11.51%
EPS beat(4)4
Avg EPS beat(4)8.59%
Min EPS beat(4)6.08%
Max EPS beat(4)11.51%
EPS beat(8)6
Avg EPS beat(8)4.21%
EPS beat(12)7
Avg EPS beat(12)-2.27%
EPS beat(16)10
Avg EPS beat(16)-1.2%
Revenue beat(2)1
Avg Revenue beat(2)0.24%
Min Revenue beat(2)-1.67%
Max Revenue beat(2)2.15%
Revenue beat(4)2
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-1.67%
Max Revenue beat(4)2.15%
Revenue beat(8)3
Avg Revenue beat(8)10.19%
Revenue beat(12)4
Avg Revenue beat(12)6.28%
Revenue beat(16)6
Avg Revenue beat(16)4.85%
PT rev (1m)0%
PT rev (3m)12.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.27%
EPS NY rev (1m)0%
EPS NY rev (3m)5.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 17.87
Fwd PE 15.81
P/S 7.36
P/FCF 19.33
P/OCF 16.98
P/B 1.85
P/tB 2.73
EV/EBITDA N/A
EPS(TTM)6.77
EY5.6%
EPS(NY)7.65
Fwd EY6.33%
FCF(TTM)6.26
FCFY5.17%
OCF(TTM)7.13
OCFY5.89%
SpS16.44
BVpS65.36
TBVpS44.34
PEG (NY)1.28
PEG (5Y)1.66
Profitability
Industry RankSector Rank
ROA 1.51%
ROE 10.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.72%
GM N/A
FCFM 38.07%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.19
Debt/EBITDA N/A
Cap/Depr 109.28%
Cap/Sales 5.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC11.99%
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)17.74%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.53%
EPS Next Y13.99%
EPS Next 2Y8.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.74%
Revenue growth 3Y11.5%
Revenue growth 5Y13.86%
Sales Q2Q%14.25%
Revenue Next Year10.94%
Revenue Next 2Y8.34%
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 1Y87.73%
FCF growth 3Y22.93%
FCF growth 5Y30.68%
OCF growth 1Y69.79%
OCF growth 3Y17.8%
OCF growth 5Y23.79%