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Bank First National Corporation (BFC)
NASDAQ:BFC
US Market
BFC
Bank First National
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Bank First National (BFC) Ratios

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Bank First National Ratios

BFC's free cash flow for Q4 2025 was $0.73. For the 2025 fiscal year, BFC's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.84 1.84 0.11 0.12 0.13
Quick Ratio
 1.84 1.84 0.11 0.12 0.13
Cash Ratio
 1.84 1.84 0.07 0.07 0.04
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 2.08 2.08 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 2.08 2.08 0.00 0.70 0.41
Net Current Asset Value
$ -3.82B$ -3.82B$ -3.44B$ -3.19B$ -2.78B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.03 0.03 0.03
Debt-to-Equity Ratio
 0.19 0.19 0.23 0.21 0.27
Debt-to-Capital Ratio
 0.16 0.16 0.19 0.17 0.21
Long-Term Debt-to-Capital Ratio
 0.12 0.12 0.19 0.08 0.05
Financial Leverage Ratio
 7.02 7.02 7.03 6.81 8.08
Debt Service Coverage Ratio
 0.77 0.77 1.07 0.66 0.45
Interest Coverage Ratio
 1.26 1.26 1.16 2.02 4.79
Debt to Market Cap
 0.08 0.10 0.15 0.14 0.16
Interest Debt Per Share
 19.69 19.69 21.53 17.31 16.79
Net Debt to EBITDA
 0.73 0.73 -1.30 -1.12 0.05
Profitability Margins
Gross Profit Margin
70.34%70.34%69.63%71.21%88.80%
EBIT Margin
36.67%36.67%35.62%52.98%45.60%
EBITDA Margin
39.00%39.00%39.22%57.48%48.64%
Operating Profit Margin
36.67%36.67%35.62%52.98%45.60%
Pretax Profit Margin
36.67%36.67%35.62%52.98%45.60%
Net Profit Margin
29.73%29.73%29.37%39.96%34.58%
Continuous Operations Profit Margin
29.73%29.73%29.37%39.96%34.58%
Net Income Per EBT
81.09%81.09%82.46%75.42%75.82%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.58%1.58%1.46%1.76%1.24%
Return on Equity (ROE)
11.29%11.10%10.25%12.02%9.98%
Return on Capital Employed (ROCE)
1.96%1.96%9.53%13.85%11.86%
Return on Invested Capital (ROIC)
1.58%1.58%7.86%9.45%7.53%
Return on Tangible Assets
1.65%1.65%1.53%1.86%1.28%
Earnings Yield
5.51%5.97%6.60%8.45%6.05%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.04 3.04 3.14 2.67 2.32
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.15 -0.15 -0.07 -0.06 -0.05
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 6.35 6.35 6.57 5.20 4.97
Free Cash Flow Per Share
 5.19 5.19 5.84 3.88 4.12
CapEx Per Share
 1.16 1.16 0.72 1.33 0.85
Free Cash Flow to Operating Cash Flow
 0.82 0.82 0.89 0.75 0.83
Dividend Paid and CapEx Coverage Ratio
 0.98 0.98 2.89 2.08 2.72
Capital Expenditure Coverage Ratio
 5.46 5.46 9.11 3.93 5.82
Operating Cash Flow Coverage Ratio
 0.51 0.51 0.45 0.42 0.33
Operating Cash Flow to Sales Ratio
 0.26 0.26 0.29 0.28 0.31
Free Cash Flow Yield
3.45%4.26%5.90%4.48%4.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 18.15 16.76 15.16 11.83 16.52
Price-to-Sales (P/S) Ratio
 6.15 4.98 4.45 4.73 5.71
Price-to-Book (P/B) Ratio
 2.02 1.86 1.55 1.42 1.65
Price-to-Free Cash Flow (P/FCF) Ratio
 28.96 23.47 16.95 22.34 22.54
Price-to-Operating Cash Flow Ratio
 20.77 19.17 15.09 16.65 18.66
Price-to-Earnings Growth (PEG) Ratio
 10.75 1.49 -1.41 0.39 -2.88
Price-to-Fair Value
 2.02 1.86 1.55 1.42 1.65
Enterprise Value Multiple
 16.49 13.50 10.05 7.10 11.79
Enterprise Value
 1.55B 1.27B 879.91M 761.27M 750.01M
EV to EBITDA
 16.49 13.50 10.05 7.10 11.79
EV to Sales
 6.43 5.27 3.94 4.08 5.74
EV to Free Cash Flow
 30.29 24.81 15.01 19.29 22.63
EV to Operating Cash Flow
 24.74 20.27 13.36 14.38 18.75
Tangible Book Value Per Share
 46.01 46.01 42.87 39.72 39.34
Shareholders’ Equity Per Share
 65.47 65.47 63.78 60.93 56.32
Tax and Other Ratios
Effective Tax Rate
 0.19 0.19 0.18 0.25 0.24
Revenue Per Share
 24.45 24.45 22.26 18.33 16.25
Net Income Per Share
 7.27 7.27 6.54 7.32 5.62
Tax Burden
 0.81 0.81 0.82 0.75 0.76
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.23 0.23 0.19 0.23 0.26
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.01
Income Quality
 0.87 0.87 1.00 0.71 0.88
Currency in USD