Bank First National (BFC) Stock Price, News & Analysis

Company Overview

Bank First National Corporation (NASDAQ: BFC) is the bank holding company for Bank First National, a community bank headquartered in Princeton, Wisconsin. The company offers a comprehensive suite of financial services designed to meet the needs of individuals, families, small businesses and agricultural clients. Through its branch network and digital channels, Bank First National provides deposit accounts, consumer and commercial lending, mortgage financing and treasury management solutions.

The bank’s core deposit products include checking and savings accounts, money market funds and certificates of deposit, complemented by online and mobile banking platforms that enable customers to manage their finances remotely. On the credit side, Bank First National extends loans for agricultural operations, real estate purchases, equipment acquisition and business expansion. The company also delivers wealth management and trust services, insurance products and financial planning through affiliated partners, allowing clients to consolidate banking and advisory services under one roof.

Founded in 1926, Bank First National has grown steadily to serve communities across south-central and southwestern Wisconsin. The institution emphasizes a community-oriented approach, with local decision-making authority that enables personalized service and swift response to customer needs. By supporting local businesses, farms and nonprofit organizations, Bank First National plays an active role in regional economic development while maintaining a focus on prudent risk management and sustainable growth.

Key Stats

• Today's Range: $128.83 to $133.58
• 50-Day Range: $115.55 to $134.93
• 52-Week Range: $90.01 to $135.72
• Volume: 9,279 shs
• Average Volume: 73,192 shs
• Market Capitalization: $188.61 million
• P/E Ratio: 18.48
• Dividend Yield: 1.41%
• Price Target: $133.50
• Consensus Rating: Moderate Buy

Bank First National Stock Analysis - MarketRank™

Bank First National scored higher than 52% of companies evaluated by MarketBeat, and ranked 671st out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Bank First National has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Bank First National is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Bank First National has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.52%

Earnings Growth

Earnings for Bank First National are expected to grow by 6.52% in the coming year, from $6.90 to $7.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bank First National is 18.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.19.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank First National is 18.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.00.

Price to Book Value per Share Ratio

Bank First National has a P/B Ratio of 2.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

18.94% of the outstanding shares of Bank First National have been sold short.

Short Interest Ratio / Days to Cover

Bank First National has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bank First National has recently increased by 2.60%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Bank First National pays a meaningful dividend of 1.33%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Bank First National has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of Bank First National is 25.97%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Bank First National will have a dividend payout ratio of 24.49% next year. This indicates that Bank First National will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

18.94% of the outstanding shares of Bank First National have been sold short.

Short Interest Ratio / Days to Cover

Bank First National has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bank First National has recently increased by 2.60%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.62

News Sentiment

Bank First National has a news sentiment score of 0.62. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Bank First National this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Bank First National insiders have bought more of their company's stock than they have sold. Specifically, they have bought $50,295.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.42% of the stock of Bank First National is held by insiders.

Percentage Held by Institutions

Only 29.95% of the stock of Bank First National is held by institutions.

BFC Stock Analysis - Frequently Asked Questions

How have BFC shares performed this year?

Bank First National's stock was trading at $99.09 on January 1st, 2025. Since then, BFC stock has increased by 32.0% and is now trading at $130.75.

How were Bank First National's earnings last quarter?

Bank First National Corporation (NASDAQ:BFC) issued its earnings results on Friday, July, 18th. The company reported $1.71 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $1.80 by $0.09. The business had revenue of $41.60 million for the quarter, compared to the consensus estimate of $43.85 million. Bank First National had a net margin of 29.04% and a trailing twelve-month return on equity of 10.92%.

Who are Bank First National's major shareholders?

Top institutional investors of Bank First National include Legacy Private Trust Co. (0.04%), Voya Investment Management LLC (0.02%), CWM LLC (0.06%) and USA Financial Formulas (0.01%). Insiders that own company stock include Michael B Molepske, Kevin M Lemahieu, Mary Kay Bourbulas, Michael S Stayer-Suprick, Daniel C Mcconeghy and Phillip R Maples.
View institutional ownership trends.

How do I buy shares of Bank First National?

Shares of BFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Bank First National own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Bank First National investors own include American Water Works (AWK), Waste Connections (WCN), Humana (HUM), The RMR Group (RMR), Voyager Therapeutics (VYGR), DiamondRock Hospitality (DRH) and AUO (AUOTY).

Company Calendar

• Last Earnings: 7/18/2025
• Record date for 10/8 Dividend: 9/24/2025
• Ex-Dividend for 10/8 Dividend: 9/24/2025
• Dividend Payable: 10/08/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BFC
• CIK: 1746109
• Web: www.bankfirstwi.bank
• Phone: (920) 652-3100
• Fax: N/A
• Employees: 330
• Year Founded: 1984

Price Target and Rating

• Average Price Target for Bank First National: $133.50
• High Price Target: $137.00
• Low Price Target: $130.00
• Potential Upside/Downside: +2.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.93
• Trailing P/E Ratio: 18.87
• Forward P/E Ratio: 18.95
• P/E Growth: N/A
• Net Income: $65.56 million
• Net Margins: 29.04%
• Pretax Margin: 35.77%
• Return on Equity: 10.92%
• Return on Assets: 1.56%

Debt

• Debt-to-Equity Ratio: 0.02
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $226.09 million
• Price / Sales: 0.86
• Cash Flow: $6.95 per share
• Price / Cash Flow: 18.80
• Book Value: $63.89 per share
• Price / Book: 2.05

Miscellaneous

• Outstanding Shares: 1,480,000
• Free Float: 1,427,000
• Market Cap: $193.51 million
• Optionable: Not Optionable
• Beta: 0.39