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Bank First National Corporation (BFC)
NASDAQ:BFC
BFC Stock Chart & Stats
$134.67
$0.44(0.45%)
At close: 4:00 PM EST
$134.67
$0.44(0.45%)
Day’s Range― - ―
52-Week Range$93.00 - $153.00
Previous CloseN/A
Volume4.75K
Average Volume (3M)101.50K
Market Cap
$1.51B
Enterprise Value$1.50B
Total Cash (Recent Filing)$133.72M
Total Debt (Recent Filing)$121.97M
Price to Earnings (P/E)18.6
Beta0.84
Next Earnings
Apr 21, 2026EPS Estimate
2.35Next Dividend Ex-DateN/A
Dividend Yield3.99%
Share Statistics
EPS (TTM)2.00
Shares Outstanding11,217,991
10 Day Avg. Volume100,754
30 Day Avg. Volume101,498
Financial Highlights & Ratios
PEG Ratio1.49
Price to Book (P/B)0.72
Price to Sales (P/S)4.98
P/FCF Ratio-5.60K
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue6.23
Enterprise Value/Gross Profit8.86
Enterprise Value/Ebitda15.99
Forecast
1Y Price Target
$150.00Price Target Upside11.38% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)9.99
Revenue Forecast (FY)$270.55M
Bulls Say, Bears Say
Bulls Say
Strong Profitability & MarginsBank First reported high net margins (~29.7% in 2025), indicating durable profitability and operating leverage in core banking activities. Sustained margins support internal capital build, dividend capacity, and the ability to absorb credit volatility, underpinning long-term earnings resilience.
Consistent Revenue And EPS GrowthMid-single-digit revenue growth with double-digit EPS expansion reflects improving top-line traction and efficient cost conversion. This trend suggests steady loan demand and fee income growth, enabling incremental profitability and scale benefits over the medium term as the franchise expands.
Conservative Leverage / Balance-Sheet ResilienceImproving debt-to-equity and a meaningful equity increase bolster loss-absorbing capacity and regulatory headroom. A conservative leverage profile enhances resilience to credit cycles, supports continued lending activity, and provides flexibility for organic growth or disciplined acquisitions.
Bears Say
Deteriorated Operating & Free Cash FlowA shift to negative operating and free cash flow in 2025 is a structural concern: earnings are not translating into cash, reducing financial flexibility. Persistent cash deficits could constrain dividend coverage, capital deployment, or require external funding, elevating execution risk over months.
Declining Capital Efficiency (ROE)A sharp ROE decline signals weaker capital efficiency and returns to shareholders. Combined with a large equity increase, this suggests earnings must scale materially to restore prior returns; failure to do so could pressure strategic choices and long-term shareholder value creation.
Merger Integration & Systems Conversion RiskThe Centre 1 Bancorp merger expands the franchise but requires a May 2026 systems conversion and integration of operations. Such transitions carry durable operational risks—customer attrition, IT outages, higher expenses—that can depress margins and credit performance if not executed cleanly.
Bank First National News
BFC FAQ
What was Bank First National Corporation’s price range in the past 12 months?
Bank First National Corporation lowest stock price was $93.00 and its highest was $153.00 in the past 12 months.
What is Bank First National Corporation’s market cap?
Bank First National Corporation’s market cap is $1.51B.
When is Bank First National Corporation’s upcoming earnings report date?
Bank First National Corporation’s upcoming earnings report date is Apr 21, 2026 which is in 49 days.
How were Bank First National Corporation’s earnings last quarter?
Bank First National Corporation released its earnings results on Jan 22, 2026. The company reported $2 earnings per share for the quarter, beating the consensus estimate of $1.81 by $0.19.
Is Bank First National Corporation overvalued?
According to Wall Street analysts Bank First National Corporation’s price is currently Undervalued.
Does Bank First National Corporation pay dividends?
Bank First National Corporation pays a Notavailable dividend of $0.45 which represents an annual dividend yield of 3.99%. See more information on Bank First National Corporation dividends here
What is Bank First National Corporation’s EPS estimate?
Bank First National Corporation’s EPS estimate is 2.35.
How many shares outstanding does Bank First National Corporation have?
Bank First National Corporation has 11,217,991 shares outstanding.
What happened to Bank First National Corporation’s price movement after its last earnings report?
Bank First National Corporation reported an EPS of $2 in its last earnings report, beating expectations of $1.81. Following the earnings report the stock price went up 1.104%.
Which hedge fund is a major shareholder of Bank First National Corporation?
Currently, no hedge funds are holding shares in BFC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bank First National Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$150.00 (11.38% Upside)
$150.00 (11.38% Upside)
Hedge Fund Trend
Decreased
By 2.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 0.9%
Last 30 Days ▲ 47.7%
Last 30 Days ▲ 47.7%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.61%
12-Months-Change
Fundamentals
Return on Equity
11.18%
Trailing 12-Months
Asset Growth
5.29%
Trailing 12-Months
Company Description
Bank First National Corporation
Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
BFC Stock 12 Month Forecast
Average Price Target
$150.00
▲(11.38% Upside)
Technical Analysis
Preferred Bank
―
Republic Bancorp
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Westamerica Bancorporation
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ConnectOne Bancorp
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Byline Bancorp
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Ownership Overview
1.17% Insiders
7.60% Mutual Funds
2.59% Other Institutional Investors
76.55% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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