Bank First Corporation

BFC | NASDAQ

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$151.54

-$0.68 (-0.45%)

At close: Sep 21, 2026, 4:00 PM ET

$151.56

+$0.02 (+0.01%)

Pre-market: Sep 22, 2026, 4:46 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.71B

Enterprise Value $1.54B

Beta 0.40

Average Volume 92.87K

Shares Outstanding (Diluted) 11.15M

Shares Change YoY 12.61%

Institutional Ownership 34.33%

Exchange NASDAQ

ISIN US06211J1007

Price Performance

Price Change 1M -1.0%

Price Change 3M 4.8%

Price Change 6M 14.3%

Price Change YTD 25.6%

Price Change 1Y 19.8%

Price Change 3Y 95.4%

Price Change 5Y 119.7%

1M CAGR (ann.) -1.8%

1Y CAGR (ann.) 22.6%

5Y CAGR (ann.) 20.0%

All-Time CAGR 13.4%

Valuation

PE Ratio 19.71

Forward PE 15.36

PEG Ratio 1.80

Forward PEG 1.44

PS Ratio 5.83

Forward PS 5.50

PB Ratio 2.08

P/FCF Ratio 56.44

P/Adj. FCF Ratio 60.81

P/OCF Ratio 29.54

EV/Sales 5.28

EV/EBIT 15.28

EV/EBITDA 14.29

EV/FCF 51.07

Earnings Yield 5.1%

FCF Yield 1.8%

Adj. FCF Yield 1.6%

Financial Health

Net Cash $161.68M

Total Debt $104.85M

Cash & Short-Term Investments $266.52M

Total Assets $5.95B

Current Ratio 0.17

Quick Ratio 0.17

Debt / Equity Ratio 0.13

Debt / EBITDA 0.97

Debt / FCF 3.48

OCF / Debt 0.43

Interest Coverage 1.35

Altman Z-Score -0.54

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 74.1%

Operating Profit Margin 34.5%

EBITDA Margin 36.9%

Net Profit Margin 27.8%

FCF Margin 10.3%

Adj. FCF Margin 9.6%

SBC / Revenue 0.8%

SBC Impact (per share) -7.2%

Returns

Return on Assets 1.4%

Return on Equity 11.1%

Return on Invested Capital 8.4%

Return on Capital Employed 11.4%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 20.7%

Revenue CAGR 5Y 19.1%

Revenue CAGR 10Y 20.6%

EPS CAGR 3Y 14.4%

EPS CAGR 5Y 5.4%

EPS CAGR 10Y 13.0%

FCF CAGR 3Y -3.0%

FCF CAGR 5Y -7.5%

FCF CAGR 10Y 17.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 3

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $112.76

Graham Upside -25.6%

Lynch Fair Value $41.60

Lynch Upside -72.5%

Price Target $161

Price Target Upside 6.2%

Cash Flow

Operating Cash Flow $44.67M

Free Cash Flow $30.13M

Adj. Free Cash Flow $27.97M

FCF Per Share $3.82

OCF Per Share $5.13

OCF/S Ratio 19.6%

Income Statement

Revenue $291.54M

Gross Profit $216.14M

Operating Income $100.71M

EBITDA $107.67M

Net Income $81.06M

EPS (Diluted) $7.69

Revenue / Employee $767.2K

Profit / Employee $213.31K

Employees 380

Dividends

Annual Dividend $1.95

Dividend Yield 1.29%

Payout Ratio 25.4%

FCF Payout Ratio 177.9%

Adj. FCF Payout Ratio 191.7%

Dividend Growth (YoY) -59.8%

Pay Frequency Quarterly

Ex-Dividend Date Sep 22, 2026