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

Bank First National (BFC) Ratios

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Bank First National Ratios

BFC's free cash flow for Q3 2025 was $0.70. 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 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.11 0.12 0.26 0.21
Quick Ratio
0.00 0.11 0.12 0.26 0.21
Cash Ratio
0.00 0.07 0.07 0.07 0.12
Solvency Ratio
0.03 0.02 0.02 0.02 1.91
Operating Cash Flow Ratio
0.00 0.02 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.70 0.00 0.00
Net Current Asset Value
$ -3.47B$ -3.44B$ -3.19B$ -2.78B$ 484.04M
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.03 0.03 <0.01 <0.01
Debt-to-Equity Ratio
0.00 0.23 0.21 0.06 0.08
Debt-to-Capital Ratio
0.00 0.19 0.17 0.05 0.07
Long-Term Debt-to-Capital Ratio
0.00 0.19 0.08 0.05 0.07
Financial Leverage Ratio
2.42 7.03 6.81 8.08 9.10
Debt Service Coverage Ratio
0.77 1.07 0.66 3.95 5.86
Interest Coverage Ratio
0.93 1.16 2.02 5.79 7.22
Debt to Market Cap
0.00 0.15 0.14 0.03 0.05
Interest Debt Per Share
7.12 21.53 17.31 4.71 4.44
Net Debt to EBITDA
0.02 -1.30 -1.12 -1.48 -4.30
Profitability Margins
Gross Profit Margin
67.58%69.63%71.21%100.00%100.00%
EBIT Margin
35.50%35.62%52.98%50.40%55.28%
EBITDA Margin
38.55%39.22%57.48%53.76%58.22%
Operating Profit Margin
35.50%35.62%52.98%60.92%55.28%
Pretax Profit Margin
47.97%35.62%52.98%50.40%55.28%
Net Profit Margin
38.90%29.37%39.96%38.21%41.89%
Continuous Operations Profit Margin
28.89%29.37%39.96%38.21%41.89%
Net Income Per EBT
81.09%82.46%75.42%75.82%75.78%
EBT Per EBIT
135.11%100.00%100.00%82.73%100.00%
Return on Assets (ROA)
1.62%1.46%1.76%1.24%1.55%
Return on Equity (ROE)
11.17%10.25%12.02%9.98%14.08%
Return on Capital Employed (ROCE)
11.31%9.53%13.85%3.58%12.98%
Return on Invested Capital (ROIC)
-2.35%7.86%9.45%-8.85%-2.87%
Return on Tangible Assets
1.69%1.53%1.86%1.28%1.58%
Earnings Yield
5.29%6.60%8.45%6.05%8.25%
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
0.00 3.14 2.67 2.10 2.19
Asset Turnover
0.05 0.05 0.04 0.03 0.04
Working Capital Turnover Ratio
-0.12 -0.07 -0.06 -0.07 -0.06
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
6.54 6.57 5.20 4.97 5.29
Free Cash Flow Per Share
5.30 5.84 3.88 4.12 4.14
CapEx Per Share
1.24 0.72 1.33 0.85 1.14
Free Cash Flow to Operating Cash Flow
0.81 0.89 0.75 0.83 0.78
Dividend Paid and CapEx Coverage Ratio
0.99 2.89 2.08 2.72 2.31
Capital Expenditure Coverage Ratio
5.29 9.11 3.93 5.82 4.62
Operating Cash Flow Coverage Ratio
0.00 0.45 0.42 1.57 1.58
Operating Cash Flow to Sales Ratio
0.35 0.29 0.28 0.34 0.37
Free Cash Flow Yield
3.71%5.90%4.48%4.44%5.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
18.68 15.16 11.83 16.52 12.12
Price-to-Sales (P/S) Ratio
8.29 4.45 4.73 6.31 5.08
Price-to-Book (P/B) Ratio
0.81 1.55 1.42 1.65 1.71
Price-to-Free Cash Flow (P/FCF) Ratio
29.23 16.95 22.34 22.54 17.44
Price-to-Operating Cash Flow Ratio
20.78 15.09 16.65 18.66 13.67
Price-to-Earnings Growth (PEG) Ratio
11.07 -1.41 0.39 -2.88 0.72
Price-to-Fair Value
0.81 1.55 1.42 1.65 1.71
Enterprise Value Multiple
19.62 10.05 7.10 10.26 4.42
Enterprise Value
1.53B 879.91M 761.27M 652.81M 279.24M
EV to EBITDA
16.10 10.05 7.10 10.26 4.42
EV to Sales
6.42 3.94 4.08 5.52 2.57
EV to Free Cash Flow
26.95 15.01 19.29 19.70 8.85
EV to Operating Cash Flow
22.56 13.36 14.38 16.32 6.93
Tangible Book Value Per Share
127.97 42.87 39.72 39.34 373.63
Shareholders’ Equity Per Share
168.70 63.78 60.93 56.32 42.33
Tax and Other Ratios
Effective Tax Rate
0.19 0.18 0.25 0.24 0.24
Revenue Per Share
18.69 22.26 18.33 14.71 14.23
Net Income Per Share
7.27 6.54 7.32 5.62 5.96
Tax Burden
0.81 0.82 0.75 0.76 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
0.19 0.19 0.23 0.34 0.32
Stock-Based Compensation to Revenue
<0.01 <0.01 0.01 0.01 0.01
Income Quality
0.98 1.00 0.71 0.88 0.89
Currency in USD