Bank First National Corporation (BFC)
NASDAQ:BFC
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BFC Stock Chart & Stats
$140.87
$0.44(0.45%)
At close: 4:00 PM EST
$140.87
$0.44(0.45%)
Day’s Range― - ―
52-Week Range$109.11 - $153.00
Previous CloseN/A
Volume4.75K
Average Volume (3M)101.50K
Market Cap
$1.60B
Enterprise Value$1.31B
Total Cash (Recent Filing)$398.64M
Total Debt (Recent Filing)$124.84M
Price to Earnings (P/E)21.8
Beta0.77
Next Earnings
Jul 21, 2026EPS Estimate
2.28Next Dividend Ex-DateN/A
Dividend Yield3.99%
Share Statistics
EPS (TTM)7.19
Shares Outstanding11,222,854
10 Day Avg. Volume100,754
30 Day Avg. Volume101,498
Financial Highlights & Ratios
PEG Ratio1.50
Price to Book (P/B)1.86
Price to Sales (P/S)4.98
P/FCF Ratio23.47
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue4.97
Enterprise Value/Gross Profit6.86
Enterprise Value/Ebitda13.19
Forecast
1Y Price Target
$157.00Price Target Upside11.45% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)9.66
Revenue Forecast (FY)$260.70M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & ProfitabilityBank First has delivered sustained top-line expansion (roughly doubling 2021–2025 with TTM at $264.3M) while maintaining healthy TTM net margins near 27.7%. Durable revenue growth plus solid margins support recurring earnings, internal funding for investments, dividends, and strategic initiatives.
Conservative Balance SheetThe company’s low leverage and materially higher equity (to ~$819.9M) provide a meaningful capital cushion and regulatory flexibility. Conservative capitalization supports lending stability, risk absorption, and capacity for M&A or shareholder returns without compromising solvency in downturns.
Strategic Scale-Building AcquisitionThe announced PSB deal expands Bank First’s footprint into North Central Wisconsin and greater Milwaukee, materially increasing scale to a roughly $7.6B franchise. This structural expansion can deepen deposit and lending markets, enhance pricing power regionally, and create long-term revenue synergies.
Bears Say
Weaker Cash-Flow MomentumFree cash flow fell sharply (≈-41% TTM vs 2025) despite positive operating cash flow (~$44.7M TTM), signaling weaker cash conversion. Persistently lower FCF reduces flexibility for buybacks, capital investments, or higher dividends and may force reliance on external funding or slower organic growth.
Normalized Profitability From 2023 PeaksMargins have retreated from unusually high 2023 levels to more normalized rates in 2024–TTM. This indicates prior outperformance included transient drivers; with less margin cushion, earnings become more sensitive to rate, credit or expense swings, reducing long-term earnings volatility protection.
Acquisition Conditionality & Integration RiskThe PSB transaction contains multiple conditions, adjustment mechanics and approval gates, introducing execution and regulatory risk. Integration complexity and potential capitalization or governance contingencies could strain management focus, create cost overruns, or delay anticipated scale benefits.
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 $109.11 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 $1.60B.
When is Bank First National Corporation’s upcoming earnings report date?
Bank First National Corporation’s upcoming earnings report date is Jul 21, 2026 which is in 30 days.
How were Bank First National Corporation’s earnings last quarter?
Bank First National Corporation released its earnings results on Apr 16, 2026. The company reported $2.24 earnings per share for the quarter, missing the consensus estimate of $2.35 by -$0.11.
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 $0.55 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 2.28.
How many shares outstanding does Bank First National Corporation have?
Bank First National Corporation has 11,222,854 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 $2.24 in its last earnings report, missing expectations of $2.35. Following the earnings report the stock price went down -1.275%.
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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Analyst Consensus
Hold
Average Price Target:
$157.00 (11.45% Upside)
$157.00 (11.45% Upside)
Hedge Fund Trend
Increased
By 9.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $94.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 4.0%
Last 30 Days ▼ 4.0%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.61%
12-Months-Change
Fundamentals
Return on Equity
10.83%
Trailing 12-Months
Asset Growth
34.72%
Trailing 12-Months
Company Description
Bank First National Corporation
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.
BFC Stock 12 Month Forecast
Average Price Target
$157.00
▲(11.45% Upside)
Technical Analysis
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Ownership Overview
4.67% Insiders
8.57% Mutual Funds
2.29% Other Institutional Investors
71.70% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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