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BankFirst Capital (Mississippi)
(OTC:BFCC)
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Rating:77Outperform
Price Target:
$71.00
â–²(12.91% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance (steady growth, healthy profitability, and a conservative balance sheet), supported by constructive technical trends (price above key moving averages with positive MACD). Valuation is also a positive contributor given the modest P/E and a moderate dividend yield, while cash-flow variability tempers the overall result.
Positive Factors
Conservative balance sheet
Very low leverage and a sizeable equity base provide a durable capital cushion and regulatory resilience. This strength supports lending and deposit-taking through stress periods, enables steady asset growth and lowers insolvency risk, which sustains franchise value over many quarters.
Negative Factors
Cash-flow volatility
Irregular cash conversion undermines predictability of internal funding for dividends and growth. Variability increases the chance the bank must access external liquidity or curtail capital returns in adverse periods, raising financing and planning risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a sizeable equity base provide a durable capital cushion and regulatory resilience. This strength supports lending and deposit-taking through stress periods, enables steady asset growth and lowers insolvency risk, which sustains franchise value over many quarters.
Read all positive factors
BankFirst Capital (Mississippi) (BFCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$334.23M
Dividend Yield1.66%
Average Volume (3M)3.69K
Price to Earnings (P/E)10.9
Beta (1Y)0.07
Revenue Growth19.98%
EPS Growth19.87%
CountryUS
Employees607
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.79
Shares Outstanding5,291,857
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 | 196.90M | 180.22M | 158.72M | 142.30M | 90.76M | 80.59M |
| Gross Profit | 138.02M | 125.14M | 108.78M | 112.72M | 83.58M | 73.02M |
| EBITDA | 41.34M | 39.92M | 36.79M | 40.59M | 31.60M | 25.67M |
| Net Income | 32.42M | 28.68M | 25.54M | 28.20M | 22.95M | 18.30M |
Balance Sheet | ||||||
| Total Assets | 3.34B | 3.30B | 2.80B | 2.73B | 2.46B | 1.82B |
| Cash, Cash Equivalents and Short-Term Investments | 83.90M | 407.95M | 416.35M | 348.57M | 390.88M | 482.64M |
| Total Debt | 43.50M | 44.89M | 27.39M | 37.04M | 39.27M | 67.61M |
| Total Liabilities | 2.91B | 2.88B | 2.41B | 2.35B | 2.12B | 1.66B |
| Stockholders Equity | 429.69M | 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
Positive
62.88
Price Trends
62.68
Positive
61.42
Positive
55.01
Positive
Market Momentum
0.15
Positive
59.50
Neutral
95.83
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFCC, the sentiment is Positive. The current price of 62.88 is below the 20-day moving average (MA) of 63.04, above the 50-day MA of 62.68, and above the 200-day MA of 55.01, indicating a bullish trend. The MACD of 0.15 indicates Positive momentum. The RSI at 59.50 is Neutral, neither overbought nor oversold. The STOCH value of 95.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | $340.13M | 12.72 | 12.52% | 1.44% | 4.97% | 28.06% | |
77 Outperform | $334.23M | 10.95 | 7.00% | 1.67% | 19.98% | 19.87% | |
75 Outperform | $332.33M | 11.70 | 10.57% | 0.37% | 5.31% | -4.05% | |
75 Outperform | $324.01M | 13.22 | 9.16% | 0.77% | 5.41% | 29.77% | |
73 Outperform | $323.82M | 12.43 | 12.17% | 1.90% | 15.68% | 20.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $339.62M | 25.36 | 3.87% | 2.91% | 2.01% | -45.00% |
* Financial Sector Average
BFCC
BankFirst Capital (Mississippi)
63.27
21.42
51.18%
FCCO
First Community
33.80
8.21
32.07%
BCML
BayCom
30.43
2.97
10.81%
FVCB
FVCBankcorp
18.32
5.49
42.76%
COSO
CoastalSouth Bancshares
27.02
5.66
26.53%
JMSB
John Marshall Bancorp
22.87
3.43
17.66%
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.