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

Company Overview

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. 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's 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. It also provides credit cards; ATM processing; 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.

Key Stats

• Today's Range: $127.81 to $130.68
• 50-Day Range: $110.95 to $132.29
• 52-Week Range: $85.81 to $132.59
• Volume: 102,020 shs
• Average Volume: 104,691 shs
• Market Capitalization: $1.28 billion
• P/E Ratio: 18.78
• Dividend Yield: 1.38%
• Price Target: $133.50
• Consensus Rating: Moderate Buy

Bank First National Stock Analysis - MarketRank™

Bank First National scored higher than 56% of companies evaluated by MarketBeat, and ranked 605th out of 934 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 1 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 18.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.83.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank First National is 18.78, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.44.

Price to Book Value per Share Ratio

Bank First National has a P/B Ratio of 2.09. 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

2.91% 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 2.2, 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 18.90%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Bank First National pays a meaningful dividend of 1.38%, 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

2.91% 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 2.2, 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 18.90%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 1.85

News Sentiment

Bank First National has a news sentiment score of 1.85. 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 higher news sentiment than the 1.18 average news sentiment score 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: 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 shares have increased by 31.4% and is now trading at $130.17.

How were Bank First National's earnings last quarter?

Bank First National Corporation (NASDAQ:BFC) released its quarterly earnings data 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 firm earned $41.60 million during the quarter, compared to analyst estimates of $43.85 million. Bank First National had a trailing twelve-month return on equity of 10.92% and a net margin of 29.04%.

Who are Bank First National's major shareholders?

Top institutional investors of Bank First National include Geode Capital Management LLC (2.23%), Merit Financial Group LLC (1.79%), Bank of Montreal Can (1.05%) and American Century Companies Inc. (0.85%). 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 AU Optronics (AUOTY).

Company Calendar

• Record date for 7/9 Dividend: 6/25/2025
• Ex-Dividend for 7/9 Dividend: 6/25/2025
• Dividend Payable: 7/09/2025
• Last Earnings: 7/18/2025
• Today: 8/29/2025
• Record date for 10/8 Dividend: 9/24/2025
• Ex-Dividend for 10/8 Dividend: 9/24/2025
• Dividend Payable: 10/08/2025
• 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: +2.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.93
• Trailing P/E Ratio: 18.78
• Forward P/E Ratio: 18.87
• 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: $162.47 million
• Price / Sales: 7.88
• Cash Flow: $7.18 per share
• Price / Cash Flow: 18.14
• Book Value: $62.27 per share
• Price / Book: 2.09

Miscellaneous

• Outstanding Shares: 9,834,000
• Free Float: 9,498,000
• Market Cap: $1.28 billion
• Optionable: Not Optionable
• Beta: 0.41