BankFirst Capital (Mississippi) (BFCC) AI Stock Analysis

• Market Cap: $295.94M
• Dividend Yield: 2.22%
• Average Volume (3M): 3.69K
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.03
• Revenue Growth: 11.63%
• EPS Growth: 2.70%
• Country: US
• Employees: 586
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.91
• Shares Outstanding: 5,284,629
• 10 Day Avg. Volume: 4,894
• 30 Day Avg. Volume: 3,693
• PEG Ratio: 0.90
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 1.43
• P/FCF Ratio: 8.34
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: 2.16
• Enterprise Value/Gross Profit: 3.13
• Enterprise Value/Ebitda: 10.09
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $60.00 ▲(26.45% Upside)
• Action: Reiterated Date: 03/07/26
• Date: Action: Reiterated 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

Consistent Revenue Growth

Sustained multi-year revenue expansion (2020–2025) signals durable demand and successful loan and fee growth across the franchise. This trend supports scale economies, funds reinvestment into products and branches, and provides a secular base to absorb cyclical margin pressure over 2–6 months.

Negative Factors

Volatile Cash Conversion

Irregular free cash flow growth and swings in operating cash conversion undermine predictability of internally funded growth and capital returns. This volatility complicates capital planning, may force occasional external funding, and can constrain strategic investments over the medium term.

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 east central and central Mississippi, and northwest and west ...

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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 east central and central Mississippi, and northwest and west ...

How the Company Makes Money

BankFirst Capital generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees, transaction charges, and wealth management services. The core revenue stream comes from the interes...

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BankFirst Capital generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees, transaction charges, and wealth management services. The core revenue stream comes from the interes...

BankFirst Capital (Mississippi) Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	161.87M	180.22M	158.72M	142.30M	90.76M	80.59M
Gross Profit	111.65M	125.14M	108.78M	112.72M	83.58M	73.02M
EBITDA	34.59M	39.92M	36.79M	40.59M	31.60M	25.67M
Net Income	27.33M	28.68M	25.54M	28.20M	22.95M	18.30M
Balance Sheet
Total Assets	2.85B	3.30B	2.80B	2.73B	2.46B	1.82B
Cash, Cash Equivalents and Short-Term Investments	489.79M	0.00	416.35M	348.57M	390.88M	482.64M
Total Debt	36.31M	44.89M	27.39M	37.04M	39.27M	67.61M
Total Liabilities	2.45B	2.88B	2.41B	2.35B	2.12B	1.66B
Stockholders Equity	404.56M	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

• Technical Analysis Sentiment: Positive
• Last Price: 47.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 47.45 is below the 20-day moving average (MA) of 53.41, below the 50-day MA of 52.34, and above the 200-day MA of 46.39, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 72.62 is Negative, neither overbought nor oversold. The STOCH value of 100.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BFCC	77 Outperform	$295.94M	6.35	7.00%	2.22%	11.63%	2.70%
CFFI	68 Neutral	$248.94M	8.76	10.84%	2.55%	8.53%	42.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LCNB	66 Neutral	$243.61M	10.22	8.68%	5.32%	5.07%	228.39%
FINW	61 Neutral	$224.57M	14.30	8.00%	―	26.54%	2.73%
ISTR	58 Neutral	$392.01M	11.48	8.30%	1.57%	-0.34%	27.03%