Bank First Corporation Logo

Bank First Corporation

BFC

(3.0)
Stock Price

101,84 USD

2.06% ROA

13.41% ROE

10.71x PER

Market Cap.

868.388.064,00 USD

16.65% DER

1.61% Yield

43.28% NPM

Bank First Corporation Stock Analysis

Bank First Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank First Corporation Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 ROE

ROE in an average range (9.52%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (1.24%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.51x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Buffet Intrinsic Value

The company's stock seems undervalued (205) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Bank First Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank First Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bank First Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank First Corporation Revenue
Year Revenue Growth
1998 2.819.950
1999 3.207.901 12.09%
2000 3.776.000 15.04%
2001 8.344.000 54.75%
2002 25.418.000 67.17%
2003 25.393.000 -0.1%
2004 25.740.000 1.35%
2005 27.059.000 4.87%
2006 29.203.000 7.34%
2007 31.588.000 7.55%
2008 36.536.000 13.54%
2009 38.970.000 6.25%
2010 37.368.000 -4.29%
2011 35.206.000 -6.14%
2012 38.018.000 7.4%
2013 37.961.000 -0.15%
2014 40.219.000 5.61%
2015 40.759.000 1.32%
2016 44.066.000 7.5%
2017 51.552.000 14.52%
2018 69.670.000 26.01%
2019 77.645.000 10.27%
2020 103.154.000 24.73%
2021 108.477.000 4.91%
2022 118.319.000 8.32%
2023 150.736.000 21.51%
2023 186.078.000 18.99%
2024 217.224.000 14.34%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank First Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank First Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 4.055.079
1999 4.957.792 18.21%
2000 5.971.000 16.97%
2001 7.413.000 19.45%
2002 8.242.000 10.06%
2003 8.478.000 2.78%
2004 8.956.000 5.34%
2005 10.018.000 10.6%
2006 0 0%
2007 0 0%
2008 17.599.000 100%
2009 20.081.000 12.36%
2010 15.159.000 -32.47%
2011 3.955.000 -283.29%
2012 13.563.000 70.84%
2013 13.645.000 0.6%
2014 13.435.000 -1.56%
2015 14.323.000 6.2%
2016 16.149.000 11.31%
2017 19.986.000 19.2%
2018 25.739.000 22.35%
2019 28.003.000 8.08%
2020 33.660.000 16.81%
2021 34.572.000 2.64%
2022 40.250.000 14.11%
2023 50.452.000 20.22%
2023 40.355.000 -25.02%
2024 40.016.000 -0.85%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank First Corporation EBITDA
Year EBITDA Growth
1998 20.693.954
1999 20.252.032 -2.18%
2000 26.445.000 23.42%
2001 25.820.000 -2.42%
2002 22.574.000 -14.38%
2003 21.420.000 -5.39%
2004 20.853.000 -2.72%
2005 22.969.000 9.21%
2006 27.989.000 17.94%
2007 32.193.000 13.06%
2008 24.683.000 -30.43%
2009 23.032.000 -7.17%
2010 20.246.000 -13.76%
2011 19.768.000 -2.42%
2012 21.310.000 7.24%
2013 22.380.000 4.78%
2014 24.628.000 9.13%
2015 26.124.000 5.73%
2016 29.469.000 11.35%
2017 33.129.000 11.05%
2018 48.770.000 32.07%
2019 36.631.000 -33.14%
2020 53.049.000 30.95%
2021 63.152.000 16%
2022 76.056.000 16.97%
2023 85.164.000 10.69%
2023 -9.401.000 1005.9%
2024 -4.992.000 -88.32%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank First Corporation Gross Profit
Year Gross Profit Growth
1998 2.819.950
1999 3.207.901 12.09%
2000 3.776.000 15.04%
2001 8.344.000 54.75%
2002 25.418.000 67.17%
2003 25.393.000 -0.1%
2004 25.740.000 1.35%
2005 27.059.000 4.87%
2006 29.203.000 7.34%
2007 31.588.000 7.55%
2008 36.536.000 13.54%
2009 38.970.000 6.25%
2010 37.368.000 -4.29%
2011 35.206.000 -6.14%
2012 38.018.000 7.4%
2013 37.961.000 -0.15%
2014 40.219.000 5.61%
2015 40.759.000 1.32%
2016 44.066.000 7.5%
2017 51.552.000 14.52%
2018 69.670.000 26.01%
2019 77.645.000 10.27%
2020 103.154.000 24.73%
2021 108.477.000 4.91%
2022 118.319.000 8.32%
2023 150.736.000 21.51%
2023 186.473.000 19.16%
2024 217.224.000 14.16%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank First Corporation Net Profit
Year Net Profit Growth
1998 4.601.075
1999 4.927.642 6.63%
2000 5.301.000 7.04%
2001 5.405.000 1.92%
2002 7.089.000 23.76%
2003 7.629.000 7.08%
2004 7.902.000 3.45%
2005 6.821.000 -15.85%
2006 6.904.000 1.2%
2007 7.824.000 11.76%
2008 6.238.000 -25.42%
2009 6.671.000 6.49%
2010 7.450.000 10.46%
2011 8.547.000 12.83%
2012 10.420.000 17.98%
2013 11.563.000 9.88%
2014 12.620.000 8.38%
2015 13.395.000 5.79%
2016 14.913.000 10.18%
2017 15.313.000 2.61%
2018 25.456.000 39.85%
2019 26.694.000 4.64%
2020 38.046.000 29.84%
2021 45.444.000 16.28%
2022 45.214.000 -0.51%
2023 59.216.000 23.65%
2023 74.514.000 20.53%
2024 64.236.000 -16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank First Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 3
1999 1 -100%
2000 2 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 50%
2016 2 0%
2017 2 0%
2018 4 33.33%
2019 4 0%
2020 5 40%
2021 6 0%
2022 6 0%
2023 6 0%
2023 7 28.57%
2024 6 -16.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank First Corporation Free Cashflow
Year Free Cashflow Growth
1998 5.466.028
1999 3.391.295 -61.18%
2000 6.967.000 51.32%
2001 7.464.000 6.66%
2002 11.040.000 32.39%
2003 9.284.000 -18.91%
2004 7.099.000 -30.78%
2005 8.346.000 14.94%
2006 0 0%
2007 10.451.000 100%
2008 11.250.000 7.1%
2009 10.014.000 -12.34%
2010 7.296.000 -37.25%
2011 11.858.000 38.47%
2012 13.675.000 13.29%
2013 12.769.000 -7.1%
2014 13.494.000 5.37%
2015 9.540.000 -41.45%
2016 13.093.000 27.14%
2017 17.124.000 23.54%
2018 15.125.000 -13.22%
2019 15.380.000 1.66%
2020 35.592.000 56.79%
2021 31.565.000 -12.76%
2022 33.136.000 4.74%
2023 1.679.000 -1873.56%
2023 44.599.000 96.24%
2024 14.964.000 -198.04%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank First Corporation Operating Cashflow
Year Operating Cashflow Growth
1998 6.191.580
1999 5.474.736 -13.09%
2000 8.375.000 34.63%
2001 7.862.000 -6.53%
2002 11.345.000 30.7%
2003 9.985.000 -13.62%
2004 7.992.000 -24.94%
2005 9.175.000 12.89%
2006 0 0%
2007 11.407.000 100%
2008 13.145.000 13.22%
2009 10.782.000 -21.92%
2010 9.134.000 -18.04%
2011 13.520.000 32.44%
2012 15.562.000 13.12%
2013 13.620.000 -14.26%
2014 16.436.000 17.13%
2015 12.615.000 -30.29%
2016 14.415.000 12.49%
2017 19.949.000 27.74%
2018 23.052.000 13.46%
2019 22.648.000 -1.78%
2020 43.963.000 48.48%
2021 40.283.000 -9.14%
2022 40.008.000 -0.69%
2023 1.679.000 -2282.85%
2023 58.083.000 97.11%
2024 16.171.000 -259.18%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank First Corporation Capital Expenditure
Year Capital Expenditure Growth
1998 725.552
1999 2.083.441 65.18%
2000 1.408.000 -47.97%
2001 398.000 -253.77%
2002 305.000 -30.49%
2003 701.000 56.49%
2004 893.000 21.5%
2005 829.000 -7.72%
2006 0 0%
2007 956.000 100%
2008 1.895.000 49.55%
2009 768.000 -146.74%
2010 1.838.000 58.22%
2011 1.662.000 -10.59%
2012 1.887.000 11.92%
2013 851.000 -121.74%
2014 2.942.000 71.07%
2015 3.075.000 4.33%
2016 1.322.000 -132.6%
2017 2.825.000 53.2%
2018 7.927.000 64.36%
2019 7.268.000 -9.07%
2020 8.371.000 13.18%
2021 8.718.000 3.98%
2022 6.872.000 -26.86%
2023 0 0%
2023 13.484.000 100%
2024 1.207.000 -1017.15%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank First Corporation Equity
Year Equity Growth
1998 33.891.847
1999 34.506.447 1.78%
2000 41.461.000 16.77%
2001 46.489.000 10.82%
2002 54.284.000 14.36%
2003 60.223.000 9.86%
2004 65.873.000 8.58%
2005 64.510.000 -2.11%
2006 69.604.000 7.32%
2007 75.562.000 7.88%
2008 77.468.000 2.46%
2009 81.293.000 4.71%
2010 85.011.000 4.37%
2011 92.821.000 8.41%
2012 96.093.000 3.41%
2013 101.568.000 5.39%
2014 109.062.000 6.87%
2015 118.928.000 8.3%
2016 127.523.000 6.74%
2017 161.728.000 21.15%
2018 174.323.000 7.23%
2019 230.211.000 24.28%
2020 294.857.000 21.92%
2021 322.653.000 8.61%
2022 453.103.000 28.79%
2023 619.798.000 26.9%
2023 577.329.000 -7.36%
2024 614.579.000 6.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank First Corporation Assets
Year Assets Growth
1998 367.828.279
1999 462.518.306 20.47%
2000 495.410.000 6.64%
2001 527.304.000 6.05%
2002 565.810.000 6.81%
2003 581.953.000 2.77%
2004 622.175.000 6.46%
2005 658.238.000 5.48%
2006 688.064.000 4.33%
2007 720.503.000 4.5%
2008 794.128.000 9.27%
2009 838.754.000 5.32%
2010 831.579.000 -0.86%
2011 910.028.000 8.62%
2012 1.020.426.000 10.82%
2013 1.060.887.000 3.81%
2014 1.105.008.000 3.99%
2015 1.237.675.000 10.72%
2016 1.315.997.000 5.95%
2017 1.753.404.000 24.95%
2018 1.793.165.000 2.22%
2019 2.210.168.000 18.87%
2020 2.718.016.000 18.68%
2021 2.937.552.000 7.47%
2022 3.660.432.000 19.75%
2023 4.237.185.000 13.61%
2023 4.087.519.000 -3.66%
2024 4.145.819.999 1.41%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank First Corporation Liabilities
Year Liabilities Growth
1998 333.936.432
1999 428.011.859 21.98%
2000 453.949.000 5.71%
2001 480.815.000 5.59%
2002 511.526.000 6%
2003 521.730.000 1.96%
2004 556.302.000 6.21%
2005 593.728.000 6.3%
2006 618.460.000 4%
2007 644.941.000 4.11%
2008 716.660.000 10.01%
2009 757.461.000 5.39%
2010 746.568.000 -1.46%
2011 817.207.000 8.64%
2012 924.333.000 11.59%
2013 959.319.000 3.65%
2014 995.946.000 3.68%
2015 1.118.747.000 10.98%
2016 1.188.474.000 5.87%
2017 1.591.676.000 25.33%
2018 1.618.842.000 1.68%
2019 68.412.000 -2266.31%
2020 40.969.000 -66.98%
2021 25.511.000 -60.59%
2022 3.207.329.000 99.2%
2023 3.617.387.000 11.34%
2023 70.319.000 -5044.25%
2024 3.531.241.000 98.01%

Bank First Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
18.71
Net Income per Share
8.1
Price to Earning Ratio
10.71x
Price To Sales Ratio
4.63x
POCF Ratio
15.55
PFCF Ratio
18.41
Price to Book Ratio
1.41
EV to Sales
4.65
EV Over EBITDA
58.29
EV to Operating CashFlow
15.6
EV to FreeCashFlow
18.48
Earnings Yield
0.09
FreeCashFlow Yield
0.05
Market Cap
0,87 Bil.
Enterprise Value
0,87 Bil.
Graham Number
105.67
Graham NetNet
-329.58

Income Statement Metrics

Net Income per Share
8.1
Income Quality
0.69
ROE
0.13
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.79
EBT Per Ebit
0.94
Ebit per Revenue
0.58
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.99
Operating Profit Margin
0.58
Pretax Profit Margin
0.55
Net Profit Margin
0.43

Dividends

Dividend Yield
0.02
Dividend Yield %
1.61
Payout Ratio
0.16
Dividend Per Share
1.4

Operating Metrics

Operating Cashflow per Share
5.58
Free CashFlow per Share
4.71
Capex to Operating CashFlow
0.16
Capex to Revenue
0.05
Capex to Depreciation
1.11
Return on Invested Capital
0.12
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.87

Balance Sheet

Cash per Share
22,63
Book Value per Share
61,30
Tangible Book Value per Share
40.07
Shareholders Equity per Share
61.3
Interest Debt per Share
16.28
Debt to Equity
0.17
Debt to Assets
0.02
Net Debt to EBITDA
0.23
Current Ratio
0.1
Tangible Asset Value
0,40 Bil.
Net Current Asset Value
-3,43 Bil.
Invested Capital
-619729000
Working Capital
-0,90 Bil.
Intangibles to Total Assets
0.05
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.12

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank First Corporation Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 100%
2024 1 0%

Bank First Corporation Profile

About Bank First Corporation

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company's 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. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson counties in Wisconsin. 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.

CEO
Mr. Michael B. Molepske
Employee
371
Address
402 North 8th Street
Manitowoc, 54220

Bank First Corporation Executives & BODs

Bank First Corporation Executives & BODs
# Name Age
1 Ms. Brenda Haese
Assistant Vice President of Human Resources
70
2 Ms. Debbie Weyker
Vice President of Marketing
70
3 Mr. Michael B. Molepske
Chief Executive Officer & Chairman of the Board
70
4 Ms. Kelly M. Dvorak J.D.
Chief Legal Counsel & Company Secretary
70
5 Mr. Jason V. Krepline
Chief Lending Officer
70
6 Mr. Timothy J. McFarlane
President & Director
70
7 Mr. Glenn Curran
President of Central Region
70
8 Ms. Meghann Kasper
Chief Credit Officer
70
9 Mr. Jeff Zimmerlee
Chief Retail Officer
70
10 Mr. Kevin M. LeMahieu
Chief Financial Officer
70

Bank First Corporation Competitors