Bank First National Stock Analysis

BFC Stock  USD 146.38  1.42  0.98%   
Below is the normalized historical share price chart for Bank First National extending back to July 23, 2003. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Bank First stands at 146.38, as last reported on the 3rd of February, with the highest price reaching 146.91 and the lowest price hitting 143.14 during the day.
IPO Date
29th of January 2002
200 Day MA
123.31
50 Day MA
129.544
Beta
0.411
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Bank First National has over 147.37 Million in debt which may indicate that it relies heavily on debt financing. At present, Bank First's Short Term Debt is projected to increase significantly based on the last few years of reporting. The current year's Long Term Debt is expected to grow to about 178 M, whereas Net Debt is projected to grow to (97.4 M). With a high degree of financial leverage come high-interest payments, which usually reduce Bank First's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Bank First's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Bank First's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Bank Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Bank First's stakeholders.
For many companies, including Bank First, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Bank First National, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Bank First's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
2.5257
Price Sales
9.5123
Shares Float
8.9 M
Dividend Share
1.8
Wall Street Target Price
155
At present, Bank First's Liabilities And Stockholders Equity is projected to increase significantly based on the last few years of reporting. The current year's Other Stockholder Equity is expected to grow to about 303 M, whereas Common Stock Total Equity is forecasted to decline to about 86.4 K. . As of February 3, 2026, Price To Sales Ratio is expected to decline to 2.65. In addition to that, Price Earnings Ratio is expected to decline to 10.55.
Bank First National is undervalued with Real Value of 164.55 and Target Price of 155.0. The main objective of Bank First stock analysis is to determine its intrinsic value, which is an estimate of what Bank First National is worth, separate from its market price. There are two main types of Bank First's stock analysis: fundamental analysis and technical analysis.
The Bank First stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Bank First's ongoing operational relationships across important fundamental and technical indicators.
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.

Bank Stock Analysis Notes

About 35.0% of the company shares are held by institutions such as insurance companies. The book value of Bank First was currently reported as 65.47. The company recorded earning per share (EPS) of 7.23. Bank First National last dividend was issued on the 25th of March 2026. The entity had 2:1 split on the 21st of October 2002. 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. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin. Bank First operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 335 people. For more info on Bank First National please contact Michael Molepske at 920 652 3100 or go to https://www.bankfirst.com.

Bank First National Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Bank First's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Bank First National or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
On 7th of January 2026 Bank First paid $ 0.45 per share dividend to its current shareholders
Latest headline from simplywall.st: Assessing Bank First Valuation After Strong Q4 Results And An 11.1 percent Dividend Increase

Bank Largest EPS Surprises

Earnings surprises can significantly impact Bank First's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2017-10-18
2017-09-300.650.740.0913 
2018-04-17
2018-03-310.931.050.1212 
2019-10-16
2019-09-300.80.930.1316 
View All Earnings Estimates

Bank First Environmental, Social, and Governance (ESG) Scores

Bank First's ESG score is a quantitative measure that evaluates Bank First's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Bank First's operations that may have significant financial implications and affect Bank First's stock price as well as guide investors towards more socially responsible investments.

Bank Stock Institutional Investors

Shares
Renaissance Technologies Corp2025-06-30
60 K
Creative Planning Inc2025-06-30
57.2 K
Nicolet Advisory Services, Llc2025-06-30
45.2 K
Stifel Financial Corp2025-06-30
44.5 K
Bank Of New York Mellon Corp2025-06-30
41 K
Wealthcare Advisory Partners Llc2025-06-30
38 K
Jane Street Group Llc2025-06-30
34.3 K
F/m Investments, Llc2025-06-30
31 K
Ubs Asset Mgmt Americas Inc2025-06-30
27.9 K
Blackrock Inc2025-06-30
669.3 K
Vanguard Group Inc2025-06-30
585.9 K
Note, although Bank First's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Bank Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 1.64 B.

Bank Profitablity

The company has Net Profit Margin of 0.41 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.56 %, which entails that for every 100 dollars of revenue, it generated $0.56 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.09  0.09 
Return On Assets 0.01  0.01 
Return On Equity 0.10  0.12 

Management Efficiency

Bank First National has Return on Asset of 0.0159 % which means that on every $100 spent on assets, it made $0.0159 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1114 %, implying that it generated $0.1114 on every 100 dollars invested. Bank First's management efficiency ratios could be used to measure how well Bank First manages its routine affairs as well as how well it operates its assets and liabilities. At present, Bank First's Return On Equity is projected to increase slightly based on the last few years of reporting. At present, Bank First's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 104.2 M, whereas Other Current Assets are forecasted to decline to about 273.2 M.
Last ReportedProjected for Next Year
Book Value Per Share 57.40  60.27 
Tangible Book Value Per Share 38.58  40.51 
Enterprise Value Over EBITDA 11.56  11.29 
Price Book Value Ratio 1.40  1.18 
Enterprise Value Multiple 11.56  11.29 
Price Fair Value 1.40  1.18 
Enterprise Value350.5 M368 M
The strategic decisions made by Bank First management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0124
Operating Margin
0.5581
Profit Margin
0.4142
Forward Dividend Yield
0.0126
Beta
0.411

Technical Drivers

As of the 3rd of February, Bank First shows the Mean Deviation of 1.28, risk adjusted performance of 0.1228, and Downside Deviation of 1.26. Bank First National technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Bank First National Price Movement Analysis

Execute Study
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Bank First middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Bank First National. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Bank First National Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Bank First insiders, such as employees or executives, is commonly permitted as long as it does not rely on Bank First's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Bank First insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Bank First Outstanding Bonds

Bank First issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Bank First National uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Bank bonds can be classified according to their maturity, which is the date when Bank First National has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Bank First Predictive Daily Indicators

Bank First intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Bank First stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Bank First Corporate Filings

F3
30th of January 2026
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
22nd of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
20th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
2nd of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F3
12th of November 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
10Q
7th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
21st of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
1st of October 2025
Other Reports
ViewVerify

Bank First Forecast Models

Bank First's time-series forecasting models are one of many Bank First's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Bank First's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Bank First National Debt to Cash Allocation

As Bank First National follows its natural business cycle, the capital allocation decisions will not magically go away. Bank First's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Bank First National has 147.37 M in debt with debt to equity (D/E) ratio of 9.07, demonstrating that the company may be unable to create cash to meet all of its financial commitments. That said, strategic use of leverage may enable Bank to fund expansion initiatives and generate superior returns.

Bank First Total Assets Over Time

Bank First Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Bank First uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Bank First Debt Ratio

    
  7.39   
It looks as if most of the Bank First's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Bank First's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Bank First, which in turn will lower the firm's financial flexibility.

Bank First Corporate Bonds Issued

Most Bank bonds can be classified according to their maturity, which is the date when Bank First National has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Bank Short Long Term Debt Total

Short Long Term Debt Total

177.95 Million

At present, Bank First's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About Bank Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Bank First prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Bank shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Bank First. By using and applying Bank Stock analysis, traders can create a robust methodology for identifying Bank entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.37  0.26 
Operating Profit Margin 0.37  0.26 
Net Profit Margin 0.30  0.20 
Gross Profit Margin 0.70  0.53 

Current Bank Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Bank analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Bank analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
155.0Buy2Odds
Bank First National current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Bank analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Bank stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Bank First National, talking to its executives and customers, or listening to Bank conference calls.
Bank Analyst Advice Details

Bank Stock Analysis Indicators

Bank First National stock analysis indicators help investors evaluate how Bank First stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Bank First shares will generate the highest return on investment. By understating and applying Bank First stock analysis, traders can identify Bank First position entry and exit signals to maximize returns.
Begin Period Cash Flow247.5 M
50 Day M A129.544
Common Stock Shares Outstanding9.8 M
Other Operating Expenses152.3 M
Total Cashflows From Investing Activities-252.9 M
Quarterly Earnings Growth Y O Y0.08
Stock Based Compensation2.2 M

Complementary Tools for Bank Stock analysis

When running Bank First's price analysis, check to measure Bank First's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bank First is operating at the current time. Most of Bank First's value examination focuses on studying past and present price action to predict the probability of Bank First's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bank First's price. Additionally, you may evaluate how the addition of Bank First to your portfolios can decrease your overall portfolio volatility.
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