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

Company Overview

Bank First National (NASDAQ: BFC) is a community-focused bank headquartered in Ellsworth, Wisconsin, serving customers across western Wisconsin and eastern Minnesota. Established in the early 20th century, the bank has grown from a single office to a regional institution with multiple branches, offering personalized services that reflect its commitment to the communities it serves. Over the years, Bank First National has maintained a customer-centric approach, balancing local decision-making with the resources and capabilities of a larger banking organization.

The bank’s core business activities encompass a broad range of commercial and consumer banking products. On the retail side, Bank First National provides checking and savings accounts, certificates of deposit, and online banking tools designed for ease of use and accessibility. Its mortgage division offers home purchase and refinancing solutions, while consumer loans include auto financing and home equity lines of credit. For businesses, the bank delivers treasury management, commercial real estate lending, equipment financing, and lines of credit tailored to support local enterprises.

In addition to traditional banking, Bank First National has developed a wealth management arm that offers investment advisory services, retirement planning, and trust administration. This division works closely with clients to create customized financial strategies, leveraging both in-house expertise and partnerships with third-party asset managers. The bank’s insurance services further complement its financial offerings, providing personal and commercial coverage through a network of licensed professionals.

Guided by a seasoned executive leadership team headed by President and Chief Executive Officer John DuBois, Bank First National emphasizes strong governance and prudent risk management. The bank’s board of directors includes community and industry leaders who uphold a philosophy of sustainable growth and community reinvestment. Through ongoing support of local initiatives, charitable partnerships, and financial education programs, Bank First National aims to foster economic vitality and long-term prosperity in its service area.

Key Stats

• Today's Range: $121.15 to $125.22
• 50-Day Range: $109.18 to $123.67
• 52-Week Range: $79.53 to $125.27
• Volume: 178,565 shs
• Average Volume: 36,500 shs
• Market Capitalization: $1.21 billion
• P/E Ratio: 17.88
• Dividend Yield: 1.48%
• Price Target: $120.50
• Consensus Rating: Moderate Buy

Bank First National Stock Analysis - MarketRank™

Bank First National scored higher than 39% of companies evaluated by MarketBeat, and ranked 649th out of 901 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: 1.3 / 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 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

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 17.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank First National is 17.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Bank First National has a P/B Ratio of 1.91. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.09% of the float of Bank First National has been sold short.

Short Interest Ratio / Days to Cover

Bank First National has a short interest ratio ("days to cover") of 3.3, 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 2.04%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Bank First National pays a meaningful dividend of 1.45%, 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 26.43%. 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

2.09% of the float of Bank First National has been sold short.

Short Interest Ratio / Days to Cover

Bank First National has a short interest ratio ("days to cover") of 3.3, 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 2.04%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.71

News Sentiment

Bank First National has a news sentiment score of 0.71. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

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

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Bank First National insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.10% 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 at the beginning of the year. Since then, BFC shares have increased by 22.9% and is now trading at $121.78.

How were Bank First National's earnings last quarter?

Bank First National Corporation (NASDAQ:BFC) issued its earnings results on Tuesday, April, 15th. The company reported $1.82 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.62 by $0.20. The company earned $43.10 million during the quarter, compared to the consensus estimate of $41.80 million. Bank First National had a trailing twelve-month return on equity of 10.73% and a net margin of 29.22%.

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 AU Optronics (AUOTY).

Company Calendar

• Last Earnings: 4/15/2025
• Record date for 5/16 Dividend: 5/09/2025
• Ex-Dividend for 5/16 Dividend: 5/09/2025
• Dividend Payable: 5/16/2025
• Record date for 7/9 Dividend: 6/25/2025
• Ex-Dividend for 7/9 Dividend: 6/25/2025
• Today: 7/07/2025
• Dividend Payable: 7/09/2025
• Next Earnings (Estimated): 7/15/2025
• 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 Stock Price Target: $120.50
• High Stock Price Target: $130.00
• Low Stock Price Target: $111.00
• Potential Upside/Downside: -1.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.81
• Trailing P/E Ratio: 18.28
• Forward P/E Ratio: 17.65
• P/E Growth: N/A
• Net Income: $65.56 million
• Net Margins: 29.22%
• Pretax Margin: 36.06%
• Return on Equity: 10.73%
• Return on Assets: 1.56%

Debt

• Debt-to-Equity Ratio: 0.02
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $226.09 million
• Price / Sales: 5.34
• Cash Flow: $7.06 per share
• Price / Cash Flow: 17.25
• Book Value: $63.89 per share
• Price / Book: 1.91

Miscellaneous

• Outstanding Shares: 9,920,000
• Free Float: 9,511,000
• Market Cap: $1.21 billion
• Optionable: Not Optionable
• Beta: 0.39