Bank Long Term Debt vs Retained Earnings Analysis

BFC Stock

USD 104.62 0.00 0.00%

Bank First financial indicator trend analysis is way more than just evaluating Bank First National prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Bank First National is a good investment. Please check the relationship between Bank First Long Term Debt and its Retained Earnings accounts. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bank First National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Long Term Debt vs Retained Earnings

Long Term Debt vs Retained Earnings Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Bank First National Long Term Debt account and Retained Earnings. At this time, the significance of the direction appears to have strong relationship.

The correlation between Bank First's Long Term Debt and Retained Earnings is 0.65. Overlapping area represents the amount of variation of Long Term Debt that can explain the historical movement of Retained Earnings in the same time period over historical financial statements of Bank First National, assuming nothing else is changed. The correlation between historical values of Bank First's Long Term Debt and Retained Earnings is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Long Term Debt of Bank First National are associated (or correlated) with its Retained Earnings. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Retained Earnings has no effect on the direction of Long Term Debt i.e., Bank First's Long Term Debt and Retained Earnings go up and down completely randomly.

Correlation Coefficient

0.65

Relationship Direction	Positive
Relationship Strength	Significant

View All Relationships

Long Term Debt

Long-term debt is a debt that Bank First National has held for over one year. Long-term debt appears on Bank First National balance sheet and also includes long-term leases. The most common forms of long term debt are bonds payable, long-term notes payable, mortgage payable, pension liabilities, and lease liabilities. In the corporate world, long-term debt is generally used to fund big-ticket items, such as machinery, buildings, and land. The total of long-term debt reported on Bank First National balance sheet is the sum of the balances of all categories of long-term debt. Debt that is not due within the current year and is often considered to be financing activities that are to be repaid over several years.

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.

Most indicators from Bank First's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Bank First National current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bank First National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

At present, Bank First's Issuance Of Capital Stock is projected to decrease significantly based on the last few years of reporting. The current year's Enterprise Value is expected to grow to about 719.8 M, whereas Tax Provision is forecasted to decline to about 11.7 M.

	2021	2022	2023	2024 (projected)
Interest Expense	8.3M	12.4M	49.0M	51.5M
Depreciation And Amortization	3.2M	4.0M	8.4M	8.8M

Interest Expense Depreciation And Amortization

Bank First fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Cash And Short Term Investments	Common Stock Total Equity	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Current Assets	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Common Stock	Intangible Assets	Total Current Liabilities	Other Assets	Short Term Debt	Short Term Investments	Good Will	Other Liab
Total Assets		0.54	0.98	0.99	-0.63	1.0	0.76	0.79	0.75	0.55	-0.35	0.71	0.84	-0.53	0.93	0.68	0.99	-0.52	-0.33	0.89	0.77	-0.12	0.71	0.72	0.93	0.83
Short Long Term Debt Total	0.54		0.44	0.56	0.01	0.54	0.13	0.06	0.01	0.56	-0.14	0.34	0.29	-0.55	0.33	0.04	0.52	-0.48	-0.15	0.31	0.69	0.48	0.77	0.76	0.37	0.72
Total Stockholder Equity	0.98	0.44		0.98	-0.65	0.98	0.78	0.88	0.85	0.43	-0.27	0.67	0.9	-0.54	0.98	0.75	0.98	-0.56	-0.26	0.95	0.71	-0.29	0.66	0.61	0.98	0.75
Property Plant And Equipment Net	0.99	0.56	0.98		-0.65	0.99	0.78	0.79	0.75	0.54	-0.28	0.68	0.82	-0.6	0.93	0.63	1.0	-0.59	-0.26	0.9	0.79	-0.15	0.69	0.69	0.94	0.83
Net Debt	-0.63	0.01	-0.65	-0.65		-0.65	-0.96	-0.59	-0.57	-0.6	0.22	-0.51	-0.53	0.32	-0.62	-0.43	-0.69	0.29	0.21	-0.58	-0.52	0.27	-0.27	-0.4	-0.62	-0.35
Retained Earnings	1.0	0.54	0.98	0.99	-0.65		0.78	0.79	0.75	0.56	-0.39	0.74	0.83	-0.49	0.91	0.68	0.98	-0.49	-0.38	0.88	0.79	-0.12	0.72	0.72	0.92	0.81
Cash	0.76	0.13	0.78	0.78	-0.96	0.78		0.71	0.69	0.59	-0.2	0.53	0.63	-0.44	0.74	0.48	0.82	-0.43	-0.18	0.71	0.63	-0.33	0.36	0.47	0.75	0.48
Non Current Assets Total	0.79	0.06	0.88	0.79	-0.59	0.79	0.71		1.0	0.05	-0.14	0.5	0.86	-0.38	0.93	0.79	0.8	-0.46	-0.12	0.93	0.46	-0.69	0.35	0.21	0.92	0.46
Non Currrent Assets Other	0.75	0.01	0.85	0.75	-0.57	0.75	0.69	1.0		-0.01	-0.1	0.45	0.83	-0.34	0.9	0.77	0.76	-0.44	-0.08	0.9	0.42	-0.72	0.3	0.14	0.89	0.43
Cash And Short Term Investments	0.55	0.56	0.43	0.54	-0.6	0.56	0.59	0.05	-0.01		-0.36	0.56	0.24	-0.37	0.3	0.09	0.55	-0.22	-0.36	0.24	0.63	0.49	0.61	0.88	0.32	0.59
Common Stock Total Equity	-0.35	-0.14	-0.27	-0.28	0.22	-0.39	-0.2	-0.14	-0.1	-0.36		-0.79	-0.12	-0.19	-0.15	-0.22	-0.25	-0.24	1.0	-0.05	-0.34	-0.24	-0.34	-0.44	-0.13	-0.26
Common Stock Shares Outstanding	0.71	0.34	0.67	0.68	-0.51	0.74	0.53	0.5	0.45	0.56	-0.79		0.51	-0.21	0.57	0.47	0.66	-0.18	-0.78	0.49	0.6	0.05	0.65	0.64	0.56	0.66
Non Current Liabilities Total	0.84	0.29	0.9	0.82	-0.53	0.83	0.63	0.86	0.83	0.24	-0.12	0.51		-0.47	0.95	0.92	0.85	-0.48	-0.11	0.96	0.47	-0.41	0.6	0.46	0.94	0.52
Other Current Assets	-0.53	-0.55	-0.54	-0.6	0.32	-0.49	-0.44	-0.38	-0.34	-0.37	-0.19	-0.21	-0.47		-0.56	-0.08	-0.6	0.98	-0.2	-0.55	-0.61	0.18	-0.46	-0.42	-0.59	-0.42
Other Stockholder Equity	0.93	0.33	0.98	0.93	-0.62	0.91	0.74	0.93	0.9	0.3	-0.15	0.57	0.95	-0.56		0.81	0.94	-0.59	-0.13	0.99	0.6	-0.43	0.57	0.48	1.0	0.65
Total Liab	0.68	0.04	0.75	0.63	-0.43	0.68	0.48	0.79	0.77	0.09	-0.22	0.47	0.92	-0.08	0.81		0.66	-0.1	-0.2	0.83	0.21	-0.39	0.44	0.33	0.78	0.37
Property Plant And Equipment Gross	0.99	0.52	0.98	1.0	-0.69	0.98	0.82	0.8	0.76	0.55	-0.25	0.66	0.85	-0.6	0.94	0.66		-0.59	-0.24	0.91	0.78	-0.18	0.69	0.68	0.95	0.8
Total Current Assets	-0.52	-0.48	-0.56	-0.59	0.29	-0.49	-0.43	-0.46	-0.44	-0.22	-0.24	-0.18	-0.48	0.98	-0.59	-0.1	-0.59		-0.24	-0.58	-0.59	0.31	-0.4	-0.29	-0.63	-0.4
Common Stock	-0.33	-0.15	-0.26	-0.26	0.21	-0.38	-0.18	-0.12	-0.08	-0.36	1.0	-0.78	-0.11	-0.2	-0.13	-0.2	-0.24	-0.24		-0.04	-0.33	-0.26	-0.34	-0.44	-0.11	-0.25
Intangible Assets	0.89	0.31	0.95	0.9	-0.58	0.88	0.71	0.93	0.9	0.24	-0.05	0.49	0.96	-0.55	0.99	0.83	0.91	-0.58	-0.04		0.55	-0.47	0.54	0.44	0.99	0.62
Total Current Liabilities	0.77	0.69	0.71	0.79	-0.52	0.79	0.63	0.46	0.42	0.63	-0.34	0.6	0.47	-0.61	0.6	0.21	0.78	-0.59	-0.33	0.55		0.06	0.79	0.69	0.64	0.65
Other Assets	-0.12	0.48	-0.29	-0.15	0.27	-0.12	-0.33	-0.69	-0.72	0.49	-0.24	0.05	-0.41	0.18	-0.43	-0.39	-0.18	0.31	-0.26	-0.47	0.06		0.23	0.48	-0.42	0.21
Short Term Debt	0.71	0.77	0.66	0.69	-0.27	0.72	0.36	0.35	0.3	0.61	-0.34	0.65	0.6	-0.46	0.57	0.44	0.69	-0.4	-0.34	0.54	0.79	0.23		0.8	0.59	0.69
Short Term Investments	0.72	0.76	0.61	0.69	-0.4	0.72	0.47	0.21	0.14	0.88	-0.44	0.64	0.46	-0.42	0.48	0.33	0.68	-0.29	-0.44	0.44	0.69	0.48	0.8		0.5	0.73
Good Will	0.93	0.37	0.98	0.94	-0.62	0.92	0.75	0.92	0.89	0.32	-0.13	0.56	0.94	-0.59	1.0	0.78	0.95	-0.63	-0.11	0.99	0.64	-0.42	0.59	0.5		0.67
Other Liab	0.83	0.72	0.75	0.83	-0.35	0.81	0.48	0.46	0.43	0.59	-0.26	0.66	0.52	-0.42	0.65	0.37	0.8	-0.4	-0.25	0.62	0.65	0.21	0.69	0.73	0.67

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Bank First Account Relationship Matchups

Bank First fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	2.2B	2.7B	2.9B	3.7B	4.2B	4.4B
Short Long Term Debt Total	114.4M	97.7M	73.6M	122.2M	51.4M	45.8M
Total Stockholder Equity	230.2M	294.9M	322.7M	453.1M	619.8M	650.8M
Property Plant And Equipment Net	35.3M	43.2M	49.5M	56.4M	69.9M	73.4M
Net Debt	15.4M	(481K)	(271.3M)	(93.9M)	(196.1M)	(186.3M)
Retained Earnings	189.5M	221.4M	258.1M	295.5M	348.0M	365.4M
Cash	53.1M	41.5M	296.9M	119.4M	247.5M	259.8M
Non Current Assets Total	358.9M	330.7M	384.4M	603.5M	4.0B	4.2B
Non Currrent Assets Other	(5.2M)	(5.5M)	(6.1M)	(13.0M)	3.5B	3.6B
Cash And Short Term Investments	238.7M	207.2M	509.5M	424.4M	247.5M	135.3M
Common Stock Shares Outstanding	6.9M	7.5M	7.6M	8.1M	10.2M	7.0M
Liabilities And Stockholders Equity	2.2B	2.7B	2.9B	3.7B	4.2B	4.4B
Non Current Liabilities Total	68.4M	41.0M	25.5M	3.2B	3.6B	3.8B
Other Current Assets	93.3M	172.1M	297.0M	121.9M	250.0M	237.5M
Other Stockholder Equity	38.1M	67.6M	60.9M	173.1M	280.4M	294.4M
Total Liab	68.4M	41.0M	25.5M	3.2B	3.6B	3.8B
Property Plant And Equipment Gross	35.3M	43.2M	59.8M	67.8M	83.1M	87.3M
Total Current Assets	238.7M	207.2M	509.5M	424.4M	247.5M	235.1M
Accumulated Other Comprehensive Income	2.5M	5.8M	3.6M	(15.6M)	(8.7M)	(8.3M)
Intangible Assets	9.7M	9.2M	9.1M	26.4M	40.7M	42.7M
Total Current Liabilities	1.5B	2.0B	2.5B	1.6B	1.8B	1.9B
Other Assets	1.6B	2.2B	2.0B	2.6B	(1.0)	(0.95)
Short Term Debt	46.0M	56.8M	48.1M	98.7M	75.8M	38.5M
Short Term Investments	185.6M	165.8M	212.7M	305.0M	160.0M	141.2M
Good Will	43.5M	55.5M	55.4M	110.2M	175.1M	183.9M
Other Liab	20.7M	23.3M	19.8M	22.9M	26.3M	17.2M
Accounts Payable	1.8B	2.3B	2.5B	3.1B	3.5B	1.8B
Long Term Debt	68.4M	41.0M	25.5M	23.5M	51.4M	29.3M
Inventory	6.9M	1.9M	150K	2.5M	2.3M	2.9M
Treasury Stock	(24.9M)	(25.2M)	(32.3M)	(45.2M)	(40.7M)	(38.6M)
Property Plant Equipment	35.3M	43.2M	49.5M	56.4M	64.9M	68.2M
Net Tangible Assets	181.4M	230.2M	263.3M	326.1M	375.0M	199.6M
Long Term Investments	270.5M	2.4B	2.5B	3.3B	299.8M	284.8M
Capital Surpluse	63.1M	92.8M	93.1M	218.3M	251.0M	263.6M
Other Current Liab	1.5B	2.0B	2.4B	1.5B	1.8B	1.7B
Long Term Debt Total	68.4M	41.0M	25.5M	23.5M	27.0M	34.8M

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When determining whether Bank First National offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bank First's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bank First National Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bank First National Stock:

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Is Bank Stock a good investment?

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What is Bank First's Net Worth?

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Largest Banks - Regional Companies

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Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bank First National. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

You can also try the Fundamentals Comparison module to compare fundamentals across multiple equities to find investing opportunities.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bank First. If investors know Bank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bank First listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.158

Dividend Share

1.4

Earnings Share

8.14

Revenue Per Share

18.208

Quarterly Revenue Growth

0.037

The market value of Bank First National is measured differently than its book value, which is the value of Bank that is recorded on the company's balance sheet. Investors also form their own opinion of Bank First's value that differs from its market value or its book value, called intrinsic value, which is Bank First's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bank First's market value can be influenced by many factors that don't directly affect Bank First's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Bank First's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bank First is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bank First's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Bank Long Term Debt vs Retained Earnings Analysis

Long Term Debt vs Retained Earnings

Long Term Debt vs Retained Earnings Correlation Analysis

Correlation Coefficient

Long Term Debt

Retained Earnings

Bank First fundamental ratios Correlations

Bank First Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Bank First fundamental ratios Accounts

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Retained Earnings	+ 1.0	Total Assets
Property Plant And Equipment Gross	+ 1.0	Property Plant And Equipment Net
Non Currrent Assets Other	+ 1.0	Non Current Assets Total
Common Stock	+ 1.0	Common Stock Total Equity
Good Will	+ 1.0	Other Stockholder Equity
Property Plant And Equipment Net	+ 0.99	Total Assets

Cash	- 0.96	Net Debt
Common Stock Shares Outstanding	- 0.79	Common Stock Total Equity
Common Stock	- 0.78	Common Stock Shares Outstanding
Other Assets	- 0.72	Non Currrent Assets Other
Other Assets	- 0.69	Non Current Assets Total
Property Plant And Equipment Gross	- 0.69	Net Debt