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Bank First National (BFC) AI Stock Analysis
Bank First National
(NASDAQ:BFC)
BFC scores well primarily on strong financial performance (profitability, growth, and low leverage) and supportive technicals with the stock trading above major moving averages. The score is tempered by only average valuation (P/E ~19.86 and ~1.28% yield) and some cash-flow variability; corporate events are a modest positive but add execution risk via the pending acquisition.
Bank First National (BFC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $1.67B
- Dividend Yield
- 1.39%
- Average Volume (3M)
- 73.11K
- Price to Earnings (P/E)
- 18.8
- Beta (1Y)
- 0.64
- Revenue Growth
- 32.72%
- EPS Growth
- 12.75%
- Country
- US
- Employees
- 509
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Bank First National Business Overview & Revenue Model
Company Description
Bank First Corporation, established in 1894 and headquartered in Manitowoc, Wisconsin, functions as the parent entity for Bank First N.A. This financial institution delivers a comprehensive array of consumer and commercial financial solutions through...
How the Company Makes Money
null
Bank First National Financial Statement Overview
Summary
Strong overall fundamentals: solid profitability and growth (TTM revenue +10.31%, net income $81.1M) and a conservatively positioned balance sheet (debt-to-equity ~0.13, ROE ~11%). Main offset is cash-flow consistency, with operating cash flow down vs. 2025 and noted volatility in coverage metrics despite positive TTM free cash flow ($38.8M).
Income Statement
86Very PositiveBalance Sheet
88Very PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 291.54M | 240.45M | 223.24M | 186.47M | 130.77M | 116.78M |
| Gross Profit | 216.14M | 169.14M | 155.44M | 132.79M | 116.12M | 105.38M |
| EBITDA | 108.43M | 95.59M | 87.56M | 107.19M | 63.61M | 63.15M |
| Net Income | 81.06M | 71.50M | 65.56M | 74.51M | 45.21M | 45.44M |
Balance Sheet | ||||||
| Total Assets | 5.95B | 4.52B | 4.50B | 4.22B | 3.66B | 2.94B |
| Cash, Cash Equivalents and Short-Term Investments | 875.15M | 55.34M | 414.29M | 407.44M | 424.38M | 509.55M |
| Total Debt | 104.85M | 123.55M | 147.37M | 127.14M | 122.63M | 66.63M |
| Total Liabilities | 5.13B | 3.88B | 3.86B | 3.60B | 3.21B | 2.61B |
| Stockholders Equity | 819.31M | 643.84M | 639.68M | 619.80M | 453.10M | 322.65M |
Cash Flow | ||||||
| Free Cash Flow | 42.58M | 51.04M | 58.62M | 39.46M | 33.14M | 31.57M |
| Operating Cash Flow | 57.25M | 62.48M | 65.85M | 52.95M | 40.01M | 40.28M |
| Investing Cash Flow | 214.81M | -15.97M | -252.94M | 269.00M | -177.81M | -93.89M |
| Financing Cash Flow | -125.87M | -64.64M | 200.95M | -193.82M | -39.71M | 180.24M |
Bank First National Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFC, the sentiment is Positive. The current price of 152.06 is above the 20-day moving average (MA) of 147.53, above the 50-day MA of 150.10, and above the 200-day MA of 144.33, indicating a bullish trend. The MACD of -0.12 indicates Negative momentum. The RSI at 55.08 is Neutral, neither overbought nor oversold. The STOCH value of 89.78 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BFC.
Bank First National Risk Analysis
Bank First National disclosed 41 risk factors in its most recent earnings report. Bank First National reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksBank First National Peers Comparison
Overall Rating
FMBH84Outperform
LKFN84Outperform
GABC83Outperform
SRCE79Outperform- BFC77Outperform
QCRH76Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FMBH | 84Outperform | $1.34B | 11.80 | 10.50% | 1.96% | 14.51% | 19.30% |
| LKFN | 84Outperform | $1.48B | 13.74 | 15.07% | 3.36% | 2.03% | 18.45% |
| GABC | 83Outperform | $1.84B | 12.95 | 12.39% | 2.43% | 12.24% | 35.76% |
| SRCE | 79Outperform | $2.11B | 12.22 | 13.75% | 1.94% | 3.90% | 20.76% |
| BFC | 77Outperform | $1.65B | 18.84 | 11.18% | 1.39% | 32.72% | 12.75% |
| QCRH | 76Outperform | $1.65B | 12.08 | 12.50% | 0.40% | 3.11% | 18.83% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BFC | Bank First National Corp | 150.95 | 31.94 | 26.84% | |
| SRCE | 1st Source Corporation | 89.22 | 30.11 | 50.94% | |
| GABC | German American Bancorp | 50.23 | 12.20 | 32.10% | |
| LKFN | Lakeland Financial | 61.84 | 6.36 | 11.45% | |
| QCRH | QCR Holdings | 103.44 | 27.69 | 36.56% | |
| FMBH | First Mid-Illinois Bancshares, Inc. | 51.47 | 16.34 | 46.49% |
Bank First National Corporate Events
Bank First National strengthens board with three new directors
PositiveOn June 16, 2026, Bank First Corporation, together with its wholly owned banking subsidiary Bank First, N.A., elected three new directors to its Board of Directors: SriRaj Kantamneni, Tracy C. Pearson and William J. Ring. Each of the newly elected di...
Bank First National Announces Board Changes and Governance Votes
PositiveOn June 15, 2026, Bank First Corporation held its Annual Meeting of Shareholders, where longtime director Stephen E. Johnson retired from the Board, and shareholders elected new directors Steven M. Eldred and Todd A. Sprang, while re-electing Preside...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 08, 2026