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BankFirst Capital (Mississippi)
(OTC:BFCC)
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Rating:77Outperform
Price Target:
$71.00
▲(49.63% Upside)
Action:Reiterated
Date:03/07/26
The score is driven primarily by solid financial performance (growth, profitability, and a conservative balance sheet) and attractive valuation (low P/E with a modest dividend). Technicals are supportive due to the uptrend, but overbought signals temper the overall rating.
Positive Factors
Conservative Balance Sheet
A low leverage profile and sizeable equity base provide durable loss-absorption capacity and funding stability. Over the next several months this supports cautious lending growth, preserves capital ratios through cycles, and reduces solvency risk versus more leveraged regional peers.
Negative Factors
Margin Normalization
Reversion from unusually strong margin years to normalized margins reduces structural earnings power relative to peak periods. If margins remain compressed, the bank’s ability to translate loan growth into higher net income may be restrained, limiting durable profit expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
A low leverage profile and sizeable equity base provide durable loss-absorption capacity and funding stability. Over the next several months this supports cautious lending growth, preserves capital ratios through cycles, and reduces solvency risk versus more leveraged regional peers.
Read all positive factors
BankFirst Capital (Mississippi) (BFCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$328.97M
Dividend Yield2.22%
Average Volume (3M)3.69K
Price to Earnings (P/E)11.7
Beta (1Y)0.11
Revenue Growth16.28%
EPS Growth16.84%
CountryUS
Employees607
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.37
Shares Outstanding5,284,629
10 Day Avg. Volume4,894
30 Day Avg. Volume3,693
Financial Highlights & Ratios
PEG Ratio1.03
Price to Book (P/B)0.62
Price to Sales (P/S)1.43
P/FCF Ratio8.34
Enterprise Value/Market Cap0.87
Enterprise Value/Revenue1.51
Enterprise Value/Gross Profit2.16
Enterprise Value/Ebitda7.26
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
BankFirst Capital (Mississippi) Business Overview & Revenue Model
Company Description
BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services that provides banking and financial services to individual and corporate customers in Mississippi and Alabama. It offers personal and business chec...
How the Company Makes Money
BFCC primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income comes from the spread between interest earned on loans and other interest-earning assets (such as secur...
BankFirst Capital (Mississippi) Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.59M | 180.22M | 158.72M | 142.30M | 90.76M | 80.59M |
| Gross Profit | 131.66M | 125.14M | 108.78M | 112.72M | 83.58M | 73.02M |
| EBITDA | 39.25M | 39.92M | 36.79M | 40.59M | 31.60M | 25.67M |
| Net Income | 30.64M | 28.68M | 25.54M | 28.20M | 22.95M | 18.30M |
Balance Sheet | ||||||
| Total Assets | 3.36B | 3.30B | 2.80B | 2.73B | 2.46B | 1.82B |
| Cash, Cash Equivalents and Short-Term Investments | 91.19M | 407.95M | 416.35M | 348.57M | 390.88M | 482.64M |
| Total Debt | 44.20M | 44.89M | 27.39M | 37.04M | 39.27M | 67.61M |
| Total Liabilities | 2.93B | 2.88B | 2.41B | 2.35B | 2.12B | 1.66B |
| Stockholders Equity | 423.39M | 419.13M | 390.21M | 372.44M | 337.33M | 156.80M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 30.94M | 24.92M | 33.97M | 28.23M | 25.24M |
| Operating Cash Flow | 0.00 | 42.62M | 31.22M | 41.24M | 34.82M | 28.18M |
| Investing Cash Flow | 0.00 | -100.42M | -10.89M | -68.09M | -96.16M | -104.48M |
| Financing Cash Flow | 0.00 | 30.13M | 48.51M | -28.54M | 132.80M | 75.72M |
BankFirst Capital (Mississippi) Technical Analysis
Negative
47.45
Price Trends
62.55
Negative
58.47
Positive
52.49
Positive
Market Momentum
0.06
Positive
50.58
Neutral
81.45
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFCC, the sentiment is Negative. The current price of 47.45 is below the 20-day moving average (MA) of 62.29, below the 50-day MA of 62.55, and below the 200-day MA of 52.49, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 50.58 is Neutral, neither overbought nor oversold. The STOCH value of 81.45 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BFCC.
BankFirst Capital (Mississippi) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $328.97M | 11.73 | 7.00% | 2.22% | 16.28% | 16.84% | |
74 Outperform | $407.60M | 12.21 | 9.04% | 1.57% | 10.89% | 8.85% | |
71 Outperform | $260.54M | 9.19 | 11.06% | 2.55% | 9.67% | 30.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $251.16M | 10.88 | 8.48% | 5.32% | -2.49% | 41.73% | |
56 Neutral | $190.24M | 11.76 | 8.24% | ― | 70.23% | 20.19% |
* Financial Sector Average
BFCC
BankFirst Capital (Mississippi)
62.25
22.18
55.35%
CFFI
C&F Financial
80.06
16.78
26.52%
LCNB
LCNB
17.63
3.04
20.88%
ISTR
Investar Holding
29.55
7.72
35.33%
FINW
FinWise
13.88
-1.60
-10.34%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.