Bank First Corporation BFC R2K
Company Overview
Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, and consumers, in Wisconsin. It offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. The company also provides loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. In addition, it provides credit cards; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
Why Investors Should Care
Net profit has compounded at 19.0% per year over the last five years.
Maintains a net profit margin of 37.8%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +49.1%, earnings -2.2%.
- 5-Year Trend Long-term compounding — profit CAGR 19.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 49.10% |
Compounded Profit Growth
| 5 Years: | 19.02% |
| 1 Year: | -2.20% |
Stock Price Performance
| 1 Year: | +21.53% |
| 6 Months: | +20.67% |
| 3 Months: | +3.87% |
| 1 Month: | +1.98% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)53.93 · Neutral
P/E of 20.51 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 37.8%.
- Profit CAGR of 19.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BFC Bank First Corporation R2K | 147.47 | 20.51 | $1.66B | 1.33% | - | 9.98% | - | 19.02% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 3.99M | 4.21M | 3.83M | 3.28M | 7.06M | 6.40M | 5.93M | 6.06M | 6.59M | 5.99M | 6.66M | 7.46M | 7.27M | 8.30M | 10.95M | 11.53M | 11.52M | 11.55M | 11.22M | 11.16M | 10.18M | 11.65M | 10.53M | 12.84M | 10.68M | 14.13M | 14.80M | 15.41M | 16.06M | 16.55M | 18.24M | 16.88M | 17.99M | 19.99M |
| Diluted EPS | - | - | 0.62 | - | 1.05 | 0.96 | 0.89 | - | 1.00 | 0.90 | 0.93 | 1.04 | 1.02 | 1.11 | 1.42 | 1.49 | 1.49 | 1.50 | 1.46 | 1.47 | 1.34 | 1.55 | 1.26 | 1.43 | 1.09 | 1.37 | 1.43 | 1.51 | 1.59 | 1.65 | 1.82 | 1.71 | 1.83 | 1.78 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 14.91M | 15.31M | 25.46M | 26.69M | 38.05M | 45.44M | 45.21M | 74.51M | 65.56M | 71.50M |
| Diluted EPS | 2.40 | 2.44 | 3.81 | 3.87 | 5.07 | 5.92 | 5.58 | 7.28 | 6.50 | 7.23 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.75B | 1.79B | 2.21B | 2.72B | 2.94B | 3.66B | 4.22B | 4.50B | 4.51B |
| Total Equity | 118.93M | 127.52M | 161.73M | 174.32M | 230.21M | 294.86M | 322.65M | 453.10M | 619.80M | 639.68M | 643.84M |
| Cash & Equivalents | 85.64M | 80.16M | 101.98M | 107.74M | 86.45M | 170.22M | 296.86M | 119.35M | 247.47M | 261.33M | 243.21M |
| Long Term Debt | - | - | - | 0 | 38.40B | 23.34M | 7.96M | - | - | - | - |
| Total Liabilities | - | - | 1.59B | 1.62B | 1.98B | 2.42B | 2.61B | 3.21B | 3.60B | 3.86B | 3.86B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 14.41M | 18.32M | 23.05M | 22.65M | 43.96M | 40.28M | 40.01M | 52.95M | 65.85M | 62.48M |
| Investing Cash Flow | -83.03M | -41.42M | -30.10M | -106.15M | -206.03M | -93.89M | -177.81M | 269.00M | -252.94M | -15.97M |
| Financing Cash Flow | 63.13M | 44.92M | 12.81M | 62.21M | 245.83M | 180.24M | -39.71M | -193.82M | 200.95M | -64.64M |
| Capital Expenditure | -1.27M | -2.83M | -7.93M | -7.27M | -8.37M | -8.72M | -6.87M | -13.48M | -7.22M | -11.44M |
| Free Cash Flow | 13.14M | 15.50M | 15.12M | 15.38M | 35.59M | 31.57M | 33.14M | 39.46M | 58.62M | 51.04M |
| Share Buybacks | 2.59M | 3.63M | 10.45M | 4.21M | 4.37M | 8.27M | 14.31M | 10.05M | 31.93M | 22.04M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| ROE % | 11.7% | 9.5% | 14.6% | 11.6% | 12.9% | 14.1% | 10.0% | 12.0% | 10.2% | 11.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.83% | 762.20K | $111.57M |
| 2 | Vanguard Capital Management LLC | 4.22% | 470.98K | $68.94M |
| 3 | State Street Corporation | 3.12% | 348.49K | $51.01M |
| 4 | Geode Capital Management, LLC | 2.53% | 282.11K | $41.29M |
| 5 | Merit Financial Group, LLC | 1.58% | 176.73K | $25.87M |
| 6 | Dimensional Fund Advisors LP | 1.43% | 159.68K | $23.37M |
| 7 | Vanguard Portfolio Management LLC | 1.22% | 135.93K | $19.90M |
| 8 | Bank of Montreal /CAN/ | 0.93% | 103.84K | $15.20M |
| 9 | Northern Trust Corporation | 0.88% | 98.41K | $14.40M |
| 10 | Charles Schwab Investment Management, Inc. | 0.75% | 83.97K | $12.29M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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Assessing Bank First (BFC) Valuation As Long Term Returns Contrast With A Higher P/E Premium
Recent performance snapshot for Bank First (BFC) Bank First (BFC) has had a mixed stretch recently, with the stock up slightly over the past week but down about 4% over the past month, and positive total returns over longer periods. See our…
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BFC — Frequently Asked Questions
What is the current share price of Bank First Corporation (BFC)?
As of 2026-07-15 16:51 PDT, Bank First Corporation (BFC) trades at $147.47 on NasdaqCM. Its 52-week range is $113.87 to $152.99.
What is the market capitalisation of BFC?
Bank First Corporation (BFC) has a market capitalisation of $1.66B on NasdaqCM.
What is the P/E ratio of BFC?
BFC trades at a trailing price-to-earnings (P/E) ratio of 20.51. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 2.00.
Does BFC pay a dividend?
Bank First Corporation (BFC) currently offers a dividend yield of 1.33%.
What is the return on equity (ROE) of BFC?
BFC has a return on equity (ROE) of 9.98%.
Is BFC a good stock to buy?
This page provides a data-driven analysis of Bank First Corporation (BFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.