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Bank First National Corp

Financial Services US BFC

141.68USD
1.34(0.95%)

Last update at 2026-06-08T20:00:00Z

Day Range

140.71142.57
LowHigh

52 Week Range

103.25152.42
LowHigh

Fundamentals

  • Previous Close 140.34
  • Market Cap1569.23M
  • Volume63299
  • P/E Ratio19.37
  • Dividend Yield1.33%
  • Revenue TTM193.62M
  • Revenue Per Share TTM19.08
  • Gross Profit TTM 193.62M
  • Diluted EPS TTM7.22

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 88.17M 79.51M 98.79M 59.63M 59.97M
Minority interest - - - - -
Net income 71.50M 65.56M 74.51M 45.21M 45.44M
Selling general administrative 55.72M 42.75M 42.19M 40.25M 34.57M
Selling and marketing expenses 0.18M 0.31M 0.33M 0.27M 0.23M
Gross profit 169.14M 155.44M 132.79M 118.32M 108.48M
Reconciled depreciation 7.42M 8.05M 7.54M 3.97M 3.19M
Ebit 88.17M 79.51M 98.79M 72.08M 59.97M
Ebitda 93.76M 87.56M 107.19M 76.06M 63.15M
Depreciation and amortization 5.59M 8.05M 8.40M 3.97M 3.19M
Non operating income net other - - - - -
Operating income 88.17M 79.51M 98.79M 72.08M 59.97M
Other operating expenses 152.28M 143.73M 87.68M 0.27M -48.51000M
Interest expense 70.06M 68.61M 49.00M 12.45M 8.30M
Tax provision 16.67M 13.95M 17.09M 14.42M 14.52M
Interest income 221.72M 206.41M 169.57M 116.53M 98.39M
Net interest income 151.66M 137.80M 131.19M 104.08M 90.08M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 16.67M 13.95M 24.28M 14.42M 14.52M
Total revenue 240.45M 223.24M 186.47M 118.32M 108.48M
Total operating expenses 80.97M 75.92M 33.99M 0.27M -48.51000M
Cost of revenue 71.31M 67.81M 53.69M - -
Total other income expense net - -126.57900M -18.42200M -12.44900M -8.30400M
Discontinued operations - - - - -
Net income from continuing ops 71.50M 65.56M 52.46M 45.21M 45.44M
Net income applicable to common shares - - - 45.21M 45.44M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4521.16M 4495.06M 4237.19M 3660.43M 2937.55M
Intangible assets 16.20M 34.57M 40.66M 26.41M 9.05M
Earning assets - - - - -
Other current assets -86.04800M - 250.04M 0.65M 0.79M
Total liab 3877.33M 3855.38M 3617.39M 3207.33M 25.51M
Total stockholder equity 643.84M 639.68M 619.80M 453.10M 322.65M
Deferred long term liab - - - - -
Other current liab 2662.62M 3661.07M 1767.36M 3060.23M 2528.44M
Common stock 0.12M 0.12M 0.12M 0.10M 0.09M
Capital stock 0.12M 0.12M 0.12M 0.10M 0.09M
Retained earnings 417.00M 398.00M 348.00M 295.50M 258.10M
Other liab - - - 22.89M 19.83M
Good will 175.11M 175.11M 175.11M 110.21M 55.36M
Other assets 4262.89M 3922.78M -0.00000M 2632.58M 2043.60M
Cash 55.34M 261.33M 247.47M 119.35M 296.86M
Cash and equivalents - - - - -
Total current liabilities 30.09M 3661.07M 1843.19M 1.93M 8.01M
Current deferred revenue - - - - -
Net debt 68.21M -113.96000M -118.74400M -93.92200M -271.34900M
Short term debt 30.09M 25.09M 75.83M 1.93M 8.01M
Short long term debt 30.00M - - - -
Short long term debt total 123.55M 147.37M 128.72M 25.43M 25.51M
Other stockholder equity 231.75M 250.92M 280.43M 173.07M 60.85M
Property plant equipment - - - 56.45M 49.46M
Total current assets 55.34M 414.29M 250.04M 424.38M 509.55M
Long term investments 327.20M 390.55M 299.81M 3284.88M 2486.67M
Net tangible assets - - - 326.07M 263.26M
Short term investments 164.42M 152.96M 159.97M 305.03M 212.69M
Net receivables - - - 9.58M 5.02M
Long term debt 91.97M 147.37M 51.39M 23.50M 25.51M
Inventory - - - 2.52M 0.15M
Accounts payable - - - 3060.23M 2528.44M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -5.02400M -9.35100M -8.74600M -15.56600M 3.61M
Additional paid in capital - - - - -
Common stock total equity - - - 0.10M 0.09M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 295.50M 258.10M
Treasury stock - - - -45.19100M -32.29400M
Accumulated amortization - - - - -
Non currrent assets other 94.17M 86.28M 3444.80M -603.47400M -384.40800M
Deferred long term asset charges - - - - -
Non current assets total 4465.82M 4080.77M 3987.14M 603.47M 384.41M
Capital lease obligations - - - - -
Long term debt total - - - 23.50M 25.51M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 74.55M -252.93700M 147.92M -197.89400M -92.36000M
Change to liabilities - - - -2.40700M -5.01300M
Total cashflows from investing activities -15.96700M -252.93700M 269.00M -177.80600M -93.88600M
Net borrowings -25.50800M 95.88M 8.85M 55.19M -10.63500M
Total cash from financing activities -64.64000M 200.95M -193.82400M -39.71100M 180.24M
Change to operating activities - - - 0.47M -3.15100M
Net income 71.50M 65.56M 74.51M 45.21M 45.44M
Change in cash -18.12500M 13.86M 128.12M -177.50900M 126.64M
Begin period cash flow 261.33M 247.47M 119.35M 296.86M 170.22M
End period cash flow 243.21M 261.33M 247.47M 119.35M 296.86M
Total cash from operating activities 62.48M 65.85M 52.95M 40.01M 40.28M
Issuance of capital stock 0.74M 0.24M 0.17M 0.11M 0.11M
Depreciation 7.42M 8.05M 8.40M 3.97M 3.19M
Other cashflows from investing activities -79.07500M -160.06600M -35.53000M 26.96M 7.19M
Dividends paid 52.50M 15.56M 11.96M -7.82200M -8.73300M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -22.04200M -31.92800M -10.04600M -14.31400M -8.27200M
Other cashflows from financing activities 34.67M 152.32M -180.85900M 3111.89M 217.51M
Change to netincome - - - -0.91200M -0.80700M
Capital expenditures 11.44M 7.22M 13.48M 6.87M 8.72M
Change receivables - - - - -
Cash flows other operating - - - -3.32400M -1.31800M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -177.50900M 126.64M
Change in working capital -4.47900M 2.85M 12.48M -0.41100M -4.35900M
Stock based compensation 2.14M 2.17M 2.14M 1.66M 1.39M
Other non cash items -14.27200M -14.56200M -42.86400M -9.56200M -5.37900M
Free cash flow 51.04M 58.62M 39.46M 33.14M 31.57M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
BFC
Bank First National Corp
1.34 0.95% 141.68 19.37 5.81 8.10 2.42 9.89
HDB
HDFC Bank Limited ADR
-0.4 1.71% 23.01 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.24 0.79% 30.71 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
-0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

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.

Bank First National Corp

402 North 8th Street, Manitowoc, WI, United States, 54220

Key Executives

Name Title Year Born
Mr. Michael B. Molepske Pres, CEO & Chairman 1961
Mr. Kevin M. LeMahieu Chief Financial Officer 1972
Ms. Joan A. Woldt Exec. VP & COO NA
Mr. Jason V. Krepline Chief Lending Officer NA
Ms. Kelly M. Dvorak J.D. Gen. Counsel & Company Sec. NA
Ms. Debbie Weyker VP of Marketing NA
Mr. Glenn Curran Sr. VP & Market Mang. for Oshkosh NA
Mr. Dennis Tienor Sr. VP of Bus. Banking for the Central Region NA
Ms. Meghann Kasper Chief Credit Officer NA
Mr. Jeff Zimmerlee Chief Retail Officer NA

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