Bank First Corporation (BFC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 103 | 108 | 118 | 137 | 155 | 170 | 217 | - |
| Operating profit | $m | 88 | 101 | ||||||
| Net profit | $m | 38 | 45 | 45 | 75 | 66 | 71 | 81 | 98 |
| EPS reported | $ | 7.23 | 7.69 | ||||||
| Operating cashflow per share | $ | 6.35 | 5.13 | ||||||
| Capex per share | $ | 1.16 | 1.32 | ||||||
| FCF per share | $ | 5.19 | 3.82 | ||||||
| Free cash flow | $m | 51 | 43 | ||||||
| Net debt | $m | 67 | -770 | ||||||
| Book value equity | $m | 644 | 819 | ||||||
| Book value per share | $ | 65.47 | 73.48 | ||||||
| Number of shares | m | 9.83 | 11.15 | ||||||
| DPS (TTM paid) | $ | 5.30 | 2.10 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.85 | 19.64 | ||||||
| P/B LTM | x | 1.86 | 1.46 | ||||||
| P/S LTM | x | 7.03 | 5.53 | ||||||
| P/FCF LTM | x | 23.47 | 28.14 | ||||||
| EV/EBITDA LTM | x | 13.50 | 11.76 | ||||||
| EV/Sales LTM | x | 5.27 | 5.46 | ||||||
| Earnings Yield LTM | % | +5.93% | +5.09% | ||||||
| FCF Yield | % | +4.26% | +3.55% | ||||||
| Quality | |||||||||
| ROE | % | +11.10% | +11.14% | ||||||
| ROIC | % | +1.58% | +8.44% | ||||||
| Operating margin | % | +36.67% | +34.54% | ||||||
| Gross margin | % | +70.34% | +74.14% | ||||||
| FCF/Sales | % | +21.23% | +14.61% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.23% | +18.31% | ||||||
| Sales Growth YoY | % | +10.19% | +40.19% | ||||||
| Net Income Growth YoY | % | +9.05% | +23.64% | ||||||
| FCF Growth | % | -12.94% | -27.37% | ||||||
| Operating Profit Growth | % | +10.89% | +26.66% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.38% | +1.25% | ||||||
| Dividend Growth | % | +16.13% | +35.48% | ||||||
| Payout Ratio | % | +73.84% | +25.45% | ||||||
| FCF/Debt | x | 0.41 | 0.41 | ||||||
| Net Debt/EBITDA | x | 0.73 | -1.50 | ||||||
| EBIT/Net interest | x | 1.26 | 1.35 | ||||||
| Net debt/market cap | % | +10.19% | +5.98% | ||||||
| Net debt/Equity | x | 0.10 | -0.94 | ||||||
| Gross debt/equity | x | 0.19 | 0.13 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Bank First Corporation, established in 1894 and headquartered in Manitowoc, Wisconsin, functions as the parent entity for Bank First N.A. This financial institution delivers a comprehensive array of consumer and commercial financial solutions throughout Wisconsin, catering to a diverse clientele including businesses, professionals, individuals, associations, and governmental bodies. Its product suite encompasses various deposit accounts such as checking, savings, money market, retirement, and health savings accounts, alongside certificates of deposit and other time deposit options. It also provides residential mortgage products. Beyond core banking, Bank First offers credit cards, ATM services, insurance, data and information technology processing, investment and safekeeping services, and treasury management. Customers can also access their finances through online, telephone, and mobile banking platforms. The company's lending portfolio is extensive, covering various needs. It includes real estate financing, such as commercial property loans, residential mortgages, and home equity loans. For businesses, it provides commercial and industrial loans designed for working capital, accounts receivable and inventory financing, and other operational requirements. Further loan types include construction and development financing, residential loans for 1-4 family properties, and a range of consumer loans for personal and household use, offering both secured and unsecured installment loans as well as revolving lines of credit. Bank First Corporation operates through 21 branches situated across nine Wisconsin counties: Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson. The company adopted its current name, Bank First Corporation, in June 2019, having previously operated as Bank First National Corporation.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bank First Corporation (BFC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Bank First Corporation, established in 1894 and headquartered in Manitowoc, Wisconsin, functions as the parent entity for Bank First N.A. This financial institution delivers a comprehensive array of consumer and commercial financial solutions throughout Wisconsin, catering to a diverse clientele including businesses, professionals, individuals, associations, and governmental bodies. Its product suite encompasses various deposit accounts such as checking, savings, money market, retirement, and health savings accounts, alongside certificates of deposit and other time deposit options. It also provides residential mortgage products. Beyond core banking, Bank First offers credit cards, ATM services, insurance, data and information technology processing, investment and safekeeping services, and treasury management. Customers can also access their finances through online, telephone, and mobile banking platforms. The company's lending portfolio is extensive, covering various needs. It includes real estate financing, such as commercial property loans, residential mortgages, and home equity loans. For businesses, it provides commercial and industrial loans designed for working capital, accounts receivable and inventory financing, and other operational requirements. Further loan types include construction and development financing, residential loans for 1-4 family properties, and a range of consumer loans for personal and household use, offering both secured and unsecured installment loans as well as revolving lines of credit. Bank First Corporation operates through 21 branches situated across nine Wisconsin counties: Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson. The company adopted its current name, Bank First Corporation, in June 2019, having previously operated as Bank First National Corporation.
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