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Bank First (BFC) Financials

Bank First logo
$114.46 -0.06 (-0.05%)
Closing price 05/23/2025 04:00 PM Eastern
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$114.14 -0.32 (-0.28%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Bank First

Annual Income Statements for Bank First

This table shows Bank First's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Net Income / (Loss) Attributable to Common Shareholders		 66 75 45 45 38 27 25 15 15
Consolidated Net Income / (Loss)		 66 75 45 45 38 27 25 15 15
Net Income / (Loss) Continuing Operations		 66 75 45 45 38 27 25 15 15
Total Pre-Tax Income 		80 99 60 60 50 34 32 24 23
Total Revenue		 157 192 124 114 106 82 75 56 48
Net Interest Income / (Expense)		 138 133 104 90 87 70 63 46 39
Total Interest Income		 206 182 117 98 101 89 78 53 45
Loans and Leases Interest Income		 189 169 107 93 95 83 72 49 41
Investment Securities Interest Income		 17 14 9.58 4.96 5.43 6.23 5.84 4.61 3.87
Total Interest Expense		 69 49 12 8.30 14 19 15 7.73 5.93
Deposits Interest Expense		 64 42 10 7.53 12 18 12 6.44 5.51
Short-Term Borrowings Interest Expense		 4.42 4.82 1.64 0.77 1.28 1.16 2.06 1.02 -
Federal Funds Purchased and Securities Sold Interest Expense		 0.02 1.81 0.54 0.01 0.11 0.46 0.40 0.27 0.07
Total Non-Interest Income		 20 58 20 24 19 13 12 9.82 9.24
Service Charges on Deposit Accounts		 2.94 2.86 1.92 1.62 1.49 0.55 - - 1.01
Other Service Charges		 12 9.87 7.74 8.10 8.63 5.09 6.15 4.81 3.48
Net Realized & Unrealized Capital Gains on Investments		 1.30 42 4.62 9.93 6.98 5.20 0.59 0.86 1.04
Other Non-Interest Income		 3.20 3.32 5.42 3.88 1.80 1.79 4.77 4.15 3.72
Provision for Credit Losses		 -0.80 4.68 2.20 3.10 7.13 5.25 2.94 1.06 0.32
Total Non-Interest Expense		 79 88 62 51 49 43 40 30 25
Salaries and Employee Benefits		 41 40 33 29 27 23 22 17 13
Net Occupancy & Equipment Expense		 16 14 12 9.54 10 8.37 7.12 6.04 5.05
Marketing Expense		 0.31 0.33 0.27 0.23 0.23 0.27 0.22 0.18 0.20
Property & Liability Insurance Claims		 1.85 1.83 1.10 - - - - - -
Insurance Policy Acquisition Costs		 4.56 4.52 5.63 3.08 4.11 3.04 3.13 3.32 2.67
Other Operating Expenses		 10 19 7.84 7.79 5.24 7.18 6.63 4.15 3.82
Amortization Expense		 5.79 6.32 2.32 1.41 1.64 1.07 0.76 0.13 0.02
Other Special Charges		 -0.69 2.13 -0.15 -0.02 - -0.07 0.25 -0.05 0.03
Income Tax Expense		 14 24 14 15 12 7.60 6.60 8.83 7.71
Basic Earnings per Share		 $6.50 $7.28 $5.58 $5.92 $5.07 $3.91 $3.81 $2.44 $2.40
Weighted Average Basic Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M - -
Diluted Earnings per Share		 $6.50 $7.28 $5.58 $5.92 $5.07 $3.87 $3.81 $2.44 $2.40
Weighted Average Diluted Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M - -
Weighted Average Basic & Diluted Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M - -
Cash Dividends to Common per Share		 $1.55 $1.15 $0.94 $1.14 $0.81 $0.80 $0.68 $0.64 $0.59

Quarterly Income Statements for Bank First

This table shows Bank First's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 18 17 16 15 35 15 14 11 13 11
Consolidated Net Income / (Loss)		 18 17 16 15 35 15 14 11 13 11
Net Income / (Loss) Continuing Operations		 18 17 16 15 35 15 14 11 13 11
Total Pre-Tax Income 		22 21 20 17 46 20 19 14 17 14
Total Revenue		 40 41 39 38 75 39 39 38 34 33
Net Interest Income / (Expense)		 36 36 33 33 33 34 34 32 31 28
Total Interest Income		 54 54 49 49 49 47 46 41 36 31
Loans and Leases Interest Income		 48 49 46 45 45 44 43 38 33 28
Investment Securities Interest Income		 5.41 4.59 3.00 4.40 4.16 3.44 3.26 2.81 2.93 2.39
Total Interest Expense		 18 18 16 16 16 13 12 8.67 5.13 3.05
Deposits Interest Expense		 16 16 16 15 13 12 10 7.45 4.33 2.64
Short-Term Borrowings Interest Expense		 1.70 1.67 0.55 0.51 2.13 1.04 1.00 0.66 0.37 0.31
Total Non-Interest Income		 4.51 4.89 5.88 4.40 42 5.25 4.55 5.85 3.75 5.17
Service Charges on Deposit Accounts		 0.74 0.73 0.74 0.73 0.74 0.73 0.75 0.64 - 0.49
Other Service Charges		 3.24 3.07 3.15 2.79 2.67 2.47 2.40 2.33 1.49 2.00
Net Realized & Unrealized Capital Gains on Investments		 0.43 0.38 0.28 0.22 39 1.03 1.01 1.03 1.57 1.12
Other Non-Interest Income		 0.10 0.72 1.72 0.67 0.05 1.02 0.40 1.85 -0.30 1.56
Provision for Credit Losses		 -1.00 0.00 0.00 0.20 0.50 0.00 0.00 4.18 0.50 0.00
Total Non-Interest Expense		 19 20 19 20 29 20 20 20 17 19
Salaries and Employee Benefits		 9.89 10 10 11 10 10 9.87 9.91 8.16 11
Net Occupancy & Equipment Expense		 4.13 4.10 3.44 3.97 3.21 3.61 3.41 3.46 3.93 2.75
Marketing Expense		 0.08 0.06 0.08 0.10 0.10 0.06 0.09 0.08 0.07 0.06
Insurance Policy Acquisition Costs		 -0.22 1.60 1.89 1.29 -0.47 1.44 1.35 2.20 0.53 2.54
Other Operating Expenses		 2.36 2.79 2.63 2.62 11 2.65 3.07 2.59 2.48 1.98
Amortization Expense		 1.39 1.43 1.48 1.50 1.60 1.63 1.67 1.42 0.98 0.75
Other Special Charges		 -0.19 0.00 -0.46 -0.05 1.59 0.05 0.49 0.00 - 0.00
Income Tax Expense		 4.25 4.12 3.77 1.81 11 4.86 4.75 3.56 3.92 3.43
Basic Earnings per Share		 $1.75 $1.65 $1.59 $1.51 $3.39 $1.43 $1.37 $1.09 $1.43 $1.26
Weighted Average Basic Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M
Diluted Earnings per Share		 $1.75 $1.65 $1.59 $1.51 $3.39 $1.43 $1.37 $1.09 $1.43 $1.26
Weighted Average Diluted Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M
Weighted Average Basic & Diluted Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M

Annual Cash Flow Statements for Bank First

This table details how cash moves in and out of Bank First's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Net Change in Cash & Equivalents		 14 128 -178 127 84 -21 5.77 22 -5.49
Net Cash From Operating Activities		 66 53 40 40 44 23 23 18 14
Net Cash From Continuing Operating Activities		 66 53 40 40 44 23 23 18 14
Net Income / (Loss) Continuing Operations		 66 75 45 45 38 27 25 15 15
Consolidated Net Income / (Loss)		 66 75 45 45 38 27 25 15 15
Provision For Loan Losses		 -0.80 4.68 2.20 3.10 7.13 5.25 2.94 1.06 0.32
Depreciation Expense		 2.25 2.07 1.66 1.78 1.54 1.27 1.12 1.13 0.90
Amortization Expense		 1.89 2.51 1.75 1.00 4.74 1.24 -4.66 1.46 0.83
Non-Cash Adjustments to Reconcile Net Income		 -5.92 -45 -11 -7.89 -12 -12 -3.32 -5.36 -3.37
Changes in Operating Assets and Liabilities, net		 2.86 14 0.47 -3.15 4.56 0.55 1.53 4.73 0.82
Net Cash From Investing Activities		 -253 269 -178 -94 -206 -106 -30 -41 -83
Net Cash From Continuing Investing Activities		 -253 269 -178 -94 -206 -106 -30 -41 -83
Purchase of Property, Leasehold Improvements and Equipment		 -7.23 -13 -6.87 -8.72 -8.37 -7.27 -7.93 -2.83 -1.27
Purchase of Investment Securities		 -472 -68 -345 -135 -376 -164 -52 -116 -115
Sale of Property, Leasehold Improvements and Equipment		 2.38 0.00 0.00 0.55 0.28 0.00 0.45 0.00 0.00
Divestitures		 0.00 52 0.00 0.00 - - - - -
Sale and/or Maturity of Investments		 224 298 174 50 178 64 30 77 32
Net Cash From Financing Activities		 201 -194 -40 180 246 62 13 45 63
Net Cash From Continuing Financing Activities		 201 -194 -40 180 246 62 13 45 63
Net Change in Deposits		 228 -159 -73 208 307 18 51 34 64
Issuance of Debt		 140 122 3,129 5.00 94 44 1,214 497 327
Issuance of Common Equity		 0.25 0.20 0.11 0.11 0.02 0.00 1.35 0.90 0.45
Repayment of Debt		 -44 -113 -3,130 -20 -134 -4.00 -1,223 -477 -327
Repurchase of Common Equity		 -32 -10 -14 -8.27 -4.37 -4.21 -10 -3.63 -2.59
Payment of Dividends		 -16 -12 -7.82 -8.73 -6.15 -5.46 -4.53 -4.05 -3.67
Other Financing Activities, Net		 -76 -21 56 4.75 -10 14 -16 -2.54 4.49
Cash Interest Paid		 66 44 11 7.06 15 19 14 6.75 5.79
Cash Income Taxes Paid		 14 24 14 17 10 6.68 5.78 7.98 8.20

Quarterly Cash Flow Statements for Bank First

This table details how cash moves in and out of Bank First's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 57 105 16 -164 172 -36 -58 50 -24 99
Net Cash From Operating Activities		 31 19 15 1.33 20 17 11 4.11 20 9.92
Net Cash From Continuing Operating Activities		 31 19 15 1.33 20 17 11 4.11 20 9.92
Net Income / (Loss) Continuing Operations		 18 17 16 15 35 15 14 11 13 11
Consolidated Net Income / (Loss)		 18 17 16 15 35 15 14 11 13 11
Provision For Loan Losses		 -1.00 - - 0.20 0.50 - - 4.18 0.50 -
Depreciation Expense		 0.56 0.57 0.56 0.56 0.68 0.38 0.52 0.49 0.45 0.41
Amortization Expense		 0.66 0.21 0.74 0.28 7.12 -1.14 -4.33 0.87 1.02 0.74
Non-Cash Adjustments to Reconcile Net Income		 2.22 -4.22 -4.18 0.26 -40 -1.15 2.48 -6.57 -2.84 -3.11
Changes in Operating Assets and Liabilities, net		 11 5.66 1.76 -15 17 4.59 -1.75 -5.54 8.04 1.35
Net Cash From Investing Activities		 -146 -37 -27 -43 83 -35 16 206 -39 150
Net Cash From Continuing Investing Activities		 -146 -37 -27 -43 83 -35 16 206 -39 150
Purchase of Property, Leasehold Improvements and Equipment		 -3.40 -1.85 -1.21 -0.78 -2.17 -4.56 -4.05 -2.70 -1.55 -3.38
Purchase of Investment Securities		 -250 -47 -44 -132 -12 -39 12 -29 -41 -5.65
Sale and/or Maturity of Investments		 107 11 16 90 45 8.27 7.93 237 4.00 159
Net Cash From Financing Activities		 172 124 28 -122 69 -18 -86 -159 -5.53 -61
Net Cash From Continuing Financing Activities		 172 124 28 -122 69 -18 -86 -159 -5.53 -61
Net Change in Deposits		 176 85 -16 -17 35 -7.06 -58 -129 -78 -68
Issuance of Common Equity		 0.06 0.07 0.07 0.06 0.05 0.06 0.04 0.04 0.03 -0.01
Payment of Dividends		 -4.47 -4.04 -3.51 -3.54 -3.11 -3.12 -3.12 -2.62 -2.26 -2.26
Cash Interest Paid		 18 18 15 16 15 12 10 7.11 4.33 2.69
Cash Income Taxes Paid		 3.80 4.00 - - 11 4.00 - - 4.30 3.50

Annual Balance Sheets for Bank First

This table presents Bank First's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017
Total Assets		 4,495 4,222 3,660 2,938 2,718 2,210 1,793 1,753
Cash and Due from Banks		 59 70 52 29 36 34 41 38
Interest Bearing Deposits at Other Banks		 202 177 68 268 134 19 22 15
Trading Account Securities		 334 246 350 219 172 225 160 159
Loans and Leases, Net of Allowance		 3,473 3,299 2,871 2,215 0.00 0.00 0.00 0.00
Loans and Leases		 3,517 3,343 2,894 - - - - -
Allowance for Loan and Lease Losses		 44 44 23 - - - - -
Loans Held for Sale		 3.09 3.01 0.65 0.79 2,175 1,726 1,416 1,386
Premises and Equipment, Net		 71 70 56 49 43 35 24 19
Goodwill		 175 175 110 55 55 43 15 15
Intangible Assets		 21 27 17 4.04 5.44 9.67 5.30 5.58
Other Assets		 156 154 136 97 97 85 65 67
Total Liabilities & Shareholders' Equity		 4,495 4,222 3,660 2,938 2,718 2,210 1,793 1,753
Total Liabilities		 3,855 3,602 3,207 2,615 2,423 1,980 1,619 1,592
Non-Interest Bearing Deposits		 1,025 1,051 934 800 716 476 449 437
Interest Bearing Deposits		 2,636 2,382 2,126 1,729 1,605 1,367 1,108 1,070
Short-Term Debt		 0.00 76 97 41 36 46 31 48
Long-Term Debt		 147 47 25 26 41 68 12 20
Other Long-Term Liabilities		 47 46 24 20 25 22 19 17
Total Equity & Noncontrolling Interests		 640 620 453 323 295 230 174 162
Total Preferred & Common Equity		 640 620 453 323 295 230 174 162
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 640 620 453 323 295 230 174 162
Common Stock		 334 334 218 93 93 63 28 28
Retained Earnings		 398 348 295 258 221 189 168 146
Treasury Stock		 -83 -53 -45 -32 -25 -25 -21 -13
Accumulated Other Comprehensive Income / (Loss)		 -9.35 -8.75 -16 3.61 5.76 2.49 -0.37 0.98

Quarterly Balance Sheets for Bank First

This table presents Bank First's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 4,294 4,146 4,100 4,088 4,092 4,167 3,641
Cash and Due from Banks		 64 46 36 46 50 43 46
Interest Bearing Deposits at Other Banks		 140 53 47 29 61 127 98
Trading Account Securities		 238 239 250 256 269 276 344
Loans and Leases, Net of Allowance		 3,426 3,384 3,339 3,312 3,271 3,280 0.00
Loans and Leases		 3,471 3,429 3,383 3,356 3,314 3,323 -
Allowance for Loan and Lease Losses		 45 45 44 43 43 43 -
Loans Held for Sale		 4.37 2.27 1.29 1.16 1.56 2.34 2,836
Premises and Equipment, Net		 70 69 70 71 67 64 57
Goodwill		 175 175 175 175 175 175 112
Intangible Assets		 23 24 25 29 30 32 18
Other Assets		 155 155 156 168 167 3,449 131
Total Liabilities & Shareholders' Equity		 4,294 4,146 4,100 4,088 4,092 4,167 3,641
Total Liabilities		 3,666 3,531 3,491 3,510 3,521 3,605 3,201
Non-Interest Bearing Deposits		 1,022 976 990 1,065 1,084 1,100 972
Interest Bearing Deposits		 2,463 2,424 2,426 2,333 2,322 2,363 2,166
Short-Term Debt		 0.00 0.00 0.00 17 24 47 22
Long-Term Debt		 147 102 47 70 70 71 26
Other Long-Term Liabilities		 34 29 27 24 21 24 15
Total Equity & Noncontrolling Interests		 629 615 609 577 571 562 439
Total Preferred & Common Equity		 629 615 609 577 571 562 439
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 629 615 609 577 571 562 439
Common Stock		 333 333 332 333 333 332 218
Retained Earnings		 385 372 360 316 305 294 285
Treasury Stock		 -83 -81 -73 -52 -52 -50 -45
Accumulated Other Comprehensive Income / (Loss)		 -6.48 -9.37 -9.41 -20 -15 -13 -19

Annual Metrics And Ratios for Bank First

This table displays calculated financial ratios and metrics derived from Bank First's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Growth Metrics		 - - - - - - - - -
Revenue Growth		 -17.81% 54.78% 8.96% 7.45% 28.47% 10.32% 34.28% 15.65% 0.00%
EBITDA Growth		 -19.08% 63.99% 0.46% 11.75% 52.58% 29.11% 6.66% 9.78% 0.00%
EBIT Growth		 -19.52% 65.67% -0.56% 20.23% 45.46% 6.98% 32.79% 6.72% 0.00%
NOPAT Growth		 -12.01% 64.80% -0.51% 19.44% 42.53% 4.86% 66.24% 2.68% 0.00%
Net Income Growth		 -12.01% 64.80% -0.51% 19.44% 42.53% 4.86% 66.24% 2.68% 0.00%
EPS Growth		 -10.71% 30.47% -5.74% 16.77% 31.01% 1.57% 56.15% 1.67% 0.00%
Operating Cash Flow Growth		 24.37% 32.34% -0.68% -8.37% 94.11% -1.75% 25.81% 27.11% 0.00%
Free Cash Flow Firm Growth		 123.03% 34.45% -597.97% 174.52% 110.28% -368.38% 117.50% 0.00% 0.00%
Invested Capital Growth		 5.96% 29.02% 47.89% 4.59% 8.05% 58.52% -5.23% 0.00% 0.00%
Revenue Q/Q Growth		 -18.31% 27.23% 4.77% -2.08% 4.54% 5.05% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 -22.23% 52.46% 6.16% -5.48% 4.35% 30.50% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 -23.35% 42.06% 3.56% -1.44% 13.44% 7.06% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 -20.93% 42.04% 3.86% -0.80% 11.98% 5.53% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 -20.93% 42.04% 3.86% -0.80% 11.98% 5.53% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 -20.15% 36.84% -0.71% -0.84% 10.46% 3.48% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 18.97% 0.55% 12.33% -13.01% 22.70% 2.82% 2.35% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 174.87% 25.90% -67.00% 31.24% 114.83% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 1.39% 11.73% 18.11% 8.33% 11.06% 12.59% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 53.12% 53.96% 50.93% 55.24% 53.11% 44.72% 38.21% 48.11% 50.68%
EBIT Margin		 50.49% 51.56% 48.17% 52.79% 47.18% 41.66% 42.97% 43.45% 47.09%
Profit (Net Income) Margin		 41.63% 38.89% 36.53% 40.00% 35.99% 32.44% 34.12% 27.56% 31.04%
Tax Burden Percent		 82.46% 75.42% 75.82% 75.78% 76.28% 77.85% 79.42% 63.44% 65.93%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.54% 24.58% 24.18% 24.22% 23.72% 22.15% 20.58% 36.56% 34.07%
Return on Invested Capital (ROIC)		 8.57% 11.30% 9.37% 11.94% 10.62% 9.50% 11.40% 13.36% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.57% 11.30% 9.37% 11.94% 10.62% 9.50% 11.40% 13.36% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.84% 2.59% 2.29% 2.78% 3.87% 3.69% 3.75% 5.58% 0.00%
Return on Equity (ROE)		 10.41% 13.89% 11.66% 14.72% 14.49% 13.20% 15.15% 18.94% 0.00%
Cash Return on Invested Capital (CROIC)		 2.79% -14.04% -29.27% 7.45% 2.88% -35.77% 16.77% -186.64% 0.00%
Operating Return on Assets (OROA)		 1.82% 2.51% 1.81% 2.12% 2.02% 1.71% 1.81% 1.38% 0.00%
Return on Assets (ROA)		 1.50% 1.89% 1.37% 1.61% 1.54% 1.33% 1.44% 0.87% 0.00%
Return on Common Equity (ROCE)		 10.41% 13.89% 11.66% 14.72% 14.49% 13.20% 15.15% 18.94% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 10.25% 12.02% 9.98% 14.08% 12.90% 11.60% 14.60% 9.47% 0.00%
Net Operating Profit after Tax (NOPAT)		 66 75 45 45 38 27 25 15 15
NOPAT Margin		 41.63% 38.89% 36.53% 40.00% 35.99% 32.44% 34.12% 27.56% 31.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 36.11% 28.37% 36.53% 33.70% 35.69% 38.32% 38.66% 41.06% 38.64%
Operating Expenses to Revenue		 50.02% 45.99% 50.05% 44.48% 46.09% 51.96% 53.10% 54.65% 52.25%
Earnings before Interest and Taxes (EBIT)		 80 99 60 60 50 34 32 24 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 84 103 63 63 56 37 29 27 24
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 1.55 1.39 2.08 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 2.23 2.07 2.89 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 6.29 4.51 7.61 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 15.11 11.59 20.85 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 1.56% 1.35% 1.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 6.62% 8.63% 4.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 1.11 1.00 1.64 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 5.57 3.86 7.64 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 10.48 7.15 15.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 11.02 7.48 15.86 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 13.37 9.92 20.92 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.31 13.96 23.64 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 41.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.23 0.20 0.27 0.21 0.26 0.50 0.25 0.42 0.00
Long-Term Debt to Equity		 0.23 0.08 0.06 0.08 0.14 0.30 0.07 0.12 0.00
Financial Leverage		 0.21 0.23 0.24 0.23 0.36 0.39 0.33 0.42 0.00
Leverage Ratio		 6.92 7.35 8.51 9.16 9.39 9.90 10.55 10.84 0.00
Compound Leverage Factor		 6.92 7.35 8.51 9.16 9.39 9.90 10.55 10.84 0.00
Debt to Total Capital		 18.72% 16.56% 21.30% 17.12% 20.78% 33.17% 19.78% 29.47% 0.00%
Short-Term Debt to Total Capital		 0.00% 10.20% 16.88% 10.56% 9.77% 13.31% 14.49% 20.75% 0.00%
Long-Term Debt to Total Capital		 18.72% 6.36% 4.42% 6.55% 11.01% 19.86% 5.29% 8.72% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.28% 83.44% 78.70% 82.88% 79.22% 66.83% 80.22% 70.53% 0.00%
Debt to EBITDA		 1.76 1.19 1.95 1.06 1.38 3.11 1.51 2.53 0.00
Net Debt to EBITDA		 -1.36 -1.20 0.05 -3.67 -1.65 0.76 -2.27 -1.29 0.00
Long-Term Debt to EBITDA		 1.76 0.46 0.40 0.41 0.73 1.86 0.40 0.75 0.00
Debt to NOPAT		 2.25 1.65 2.71 1.47 2.03 4.28 1.69 4.41 0.00
Net Debt to NOPAT		 -1.74 -1.67 0.07 -5.07 -2.44 1.04 -2.54 -2.25 0.00
Long-Term Debt to NOPAT		 2.25 0.63 0.56 0.56 1.08 2.56 0.45 1.31 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 21 -93 -141 28 10 -100 37 -214 0.00
Operating Cash Flow to CapEx		 1,359.07% 392.65% 582.19% 493.06% 543.63% 311.61% 308.10% 648.60% 1,133.25%
Free Cash Flow to Firm to Interest Expense		 0.31 -1.89 -11.34 3.42 0.75 -5.15 2.52 -27.68 0.00
Operating Cash Flow to Interest Expense		 0.96 1.08 3.21 4.85 3.17 1.16 1.55 2.37 2.43
Operating Cash Flow Less CapEx to Interest Expense		 0.89 0.81 2.66 3.87 2.59 0.79 1.05 2.00 2.22
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.04 0.03 0.00
Fixed Asset Turnover		 2.23 3.03 2.34 2.45 2.69 2.75 3.46 2.99 0.00
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 787 743 576 389 372 344 217 229 0.00
Invested Capital Turnover		 0.21 0.29 0.26 0.30 0.30 0.29 0.33 0.48 0.00
Increase / (Decrease) in Invested Capital		 44 167 186 17 28 127 -12 229 0.00
Enterprise Value (EV)		 876 739 946 0.00 0.00 0.00 0.00 0.00 0.00
Market Capitalization		 990 864 943 0.00 0.00 0.00 0.00 0.00 0.00
Book Value per Share		 $63.89 $59.79 $50.18 $42.29 $38.14 $32.49 $26.23 $0.00 $0.00
Tangible Book Value per Share		 $44.28 $40.30 $36.11 $34.51 $30.26 $25.00 $23.18 $0.00 $0.00
Total Capital		 787 743 576 389 372 344 217 229 0.00
Total Debt		 147 123 123 67 77 114 43 68 0.00
Total Long-Term Debt		 147 47 25 26 41 68 12 20 0.00
Net Debt		 -114 -124 3.27 -230 -93 28 -65 -34 0.00
Capital Expenditures (CapEx)		 4.85 13 6.87 8.17 8.09 7.27 7.48 2.83 1.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 147 123 123 67 77 114 43 68 0.00
Total Depreciation and Amortization (D&A)		 4.15 4.59 3.41 2.78 6.28 2.51 -3.55 2.59 1.73
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.50 $7.28 $5.58 $5.92 $5.07 $3.91 $3.81 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M 0.00 0.00
Adjusted Diluted Earnings per Share		 $6.50 $7.28 $5.58 $5.92 $5.07 $3.87 $3.81 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.99M 10.14M 10.48M 7.58M 7.73M 7.09M 6.58M 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 65 76 45 45 38 27 26 15 15
Normalized NOPAT Margin		 41.27% 39.73% 36.44% 39.99% 35.99% 32.37% 34.39% 27.51% 31.09%
Pre Tax Income Margin		 50.49% 51.56% 48.17% 52.79% 47.18% 41.66% 42.97% 43.45% 47.09%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 1.16 2.02 4.79 7.22 3.60 1.76 2.16 3.12 3.81
NOPAT to Interest Expense		 0.96 1.52 3.63 5.47 2.74 1.37 1.71 1.98 2.51
EBIT Less CapEx to Interest Expense		 1.09 1.74 4.24 6.24 3.01 1.39 1.66 2.76 3.60
NOPAT Less CapEx to Interest Expense		 0.89 1.25 3.08 4.49 2.16 1.00 1.21 1.62 2.30
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 23.74% 16.05% 17.30% 19.22% 16.16% 20.47% 17.80% 26.42% 24.58%
Augmented Payout Ratio		 72.43% 29.53% 48.96% 37.42% 27.64% 36.22% 58.84% 50.13% 41.93%

Quarterly Metrics And Ratios for Bank First

This table displays calculated financial ratios and metrics derived from Bank First's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -46.83% 3.72% 0.15% -0.88% 119.29% 19.64% 33.74% 38.36% 19.63% 17.50%
EBITDA Growth		 -57.23% 13.51% 9.53% 15.77% 195.08% 28.47% 23.56% 11.85% 25.10% -1.62%
EBIT Growth		 -52.65% 5.14% 5.02% 20.97% 174.47% 40.83% 23.30% 4.74% 13.92% -5.94%
NOPAT Growth		 -49.74% 11.81% 13.64% 44.31% 171.71% 40.55% 21.26% 4.88% 15.05% -6.11%
Net Income Growth		 -49.74% 11.81% 13.64% 44.31% 171.71% 40.55% 21.26% 4.88% 15.05% -6.11%
EPS Growth		 -48.38% 15.38% 16.06% 38.53% 137.06% 13.49% -11.61% -18.66% -2.72% -13.70%
Operating Cash Flow Growth		 51.72% 7.44% 0.00% -67.70% 1.44% 76.17% 45.65% 65.42% 28.12% 0.00%
Free Cash Flow Firm Growth		 79.80% 41.66% 88.09% 112.41% 23.85% -38.29% -1,473.37% -992.17% -2,832.89% -805.65%
Invested Capital Growth		 5.96% 16.76% 7.81% -3.44% 29.02% 36.39% 90.24% 90.65% 47.89% 35.65%
Revenue Q/Q Growth		 -1.72% 4.87% 3.01% 0.00% 91.73% 1.25% 1.95% 0.00% 4.60% 13.19%
EBITDA Q/Q Growth		 7.25% 0.73% 17.93% 0.00% 184.62% -2.80% 24.65% 0.00% 23.91% -6.52%
EBIT Q/Q Growth		 5.38% 4.28% 15.13% 0.00% 133.98% 4.16% 32.61% 0.00% 20.05% -8.80%
NOPAT Q/Q Growth		 5.97% 3.07% 4.20% 0.00% 135.73% 4.76% 32.32% 0.00% 21.94% -9.62%
Net Income Q/Q Growth		 5.97% 3.07% 4.20% 0.00% 135.73% 4.76% 32.32% 0.00% 21.94% -9.62%
EPS Q/Q Growth		 6.06% 3.77% 5.30% 0.00% 137.06% 4.38% 25.69% 0.00% 13.49% -18.71%
Operating Cash Flow Q/Q Growth		 64.01% 25.76% 0.00% 0.00% 16.14% 58.20% 168.57% -79.44% 101.70% 0.00%
Free Cash Flow Firm Q/Q Growth		 71.85% -164.22% -192.55% 0.00% 18.70% 46.04% 3.63% 0.00% -47.65% -635.92%
Invested Capital Q/Q Growth		 1.39% 8.28% 9.18% 0.00% 11.73% -0.02% -2.21% 0.00% 18.11% 39.46%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 57.42% 52.62% 54.78% 47.85% 71.38% 48.09% 50.09% 40.97% 53.05% 44.78%
EBIT Margin		 54.37% 50.71% 50.99% 45.63% 61.04% 50.02% 48.63% 37.38% 48.77% 42.50%
Profit (Net Income) Margin		 43.77% 40.59% 41.30% 40.83% 46.30% 37.66% 36.40% 28.04% 37.37% 32.06%
Tax Burden Percent		 80.50% 80.05% 81.00% 89.49% 75.85% 75.28% 74.85% 75.02% 76.62% 75.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.50% 19.95% 19.00% 10.51% 24.15% 24.72% 25.15% 24.98% 23.38% 24.57%
Return on Invested Capital (ROIC)		 9.01% 10.86% 0.00% 0.00% 13.46% 9.84% 10.32% 7.28% 9.59% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.01% 10.86% 0.00% 0.00% 13.46% 9.84% 10.32% 7.28% 9.59% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.93% 2.11% 0.00% 0.00% 3.08% 1.31% 1.51% 1.29% 2.34% 0.00%
Return on Equity (ROE)		 10.95% 12.98% 0.00% 0.00% 16.54% 11.16% 11.83% 8.57% 11.93% 0.00%
Cash Return on Invested Capital (CROIC)		 2.79% -3.95% 0.00% 0.00% -14.04% -21.68% -52.68% -53.56% -29.27% 0.00%
Operating Return on Assets (OROA)		 1.96% 2.33% 0.00% 0.00% 2.97% 1.95% 1.98% 1.42% 1.83% 0.00%
Return on Assets (ROA)		 1.58% 1.87% 0.00% 0.00% 2.25% 1.47% 1.48% 1.06% 1.40% 0.00%
Return on Common Equity (ROCE)		 10.95% 12.98% 0.00% 0.00% 16.54% 11.16% 11.83% 8.57% 11.93% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 13.19% 0.00% 0.00% 0.00% 9.09% 8.44% 8.13% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 18 17 16 15 35 15 14 11 13 11
NOPAT Margin		 43.77% 40.59% 41.30% 40.83% 46.30% 37.66% 36.40% 28.04% 37.37% 32.06%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.17% 35.02% 34.79% 39.64% 18.13% 35.32% 34.43% 35.31% 35.38% 41.47%
Operating Expenses to Revenue		 48.13% 49.29% 49.01% 53.84% 38.29% 49.98% 51.37% 51.63% 49.77% 57.50%
Earnings before Interest and Taxes (EBIT)		 22 21 20 17 46 20 19 14 17 14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 23 21 21 18 54 19 19 16 18 15
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.55 1.44 0.00 0.00 1.39 1.36 0.00 0.00 2.08 0.00
Price to Tangible Book Value (P/TBV)		 2.23 2.11 0.00 0.00 2.07 2.11 0.00 0.00 2.89 0.00
Price to Revenue (P/Rev)		 6.29 4.71 0.00 0.00 4.51 5.22 0.00 0.00 7.61 0.00
Price to Earnings (P/E)		 15.11 10.95 0.00 0.00 11.59 15.00 0.00 0.00 20.85 0.00
Dividend Yield		 1.56% 1.54% 0.00% 0.00% 1.35% 1.45% 0.00% 0.00% 1.05% 0.00%
Earnings Yield		 6.62% 9.13% 0.00% 0.00% 8.63% 6.67% 0.00% 0.00% 4.80% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 1.11 1.10 0.00 0.00 1.00 1.20 0.00 0.00 1.64 0.00
Enterprise Value to Revenue (EV/Rev)		 5.57 4.41 0.00 0.00 3.86 5.30 0.00 0.00 7.64 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 10.48 7.91 0.00 0.00 7.15 11.77 0.00 0.00 15.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 11.02 8.20 0.00 0.00 7.48 11.48 0.00 0.00 15.86 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 13.37 10.26 0.00 0.00 9.92 15.22 0.00 0.00 20.92 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.31 15.38 0.00 0.00 13.96 15.16 0.00 0.00 23.64 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 41.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.23 0.23 0.17 0.08 0.20 0.15 0.16 0.21 0.27 0.11
Long-Term Debt to Equity		 0.23 0.23 0.17 0.08 0.08 0.12 0.12 0.13 0.06 0.06
Financial Leverage		 0.21 0.19 0.17 0.14 0.23 0.13 0.15 0.18 0.24 0.12
Leverage Ratio		 6.92 6.95 6.95 7.06 7.35 7.60 7.97 8.05 8.51 8.60
Compound Leverage Factor		 6.92 6.95 6.95 7.06 7.35 7.60 7.97 8.05 8.51 8.60
Debt to Total Capital		 18.72% 18.98% 14.27% 7.20% 16.56% 13.16% 14.15% 17.30% 21.30% 9.85%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 10.20% 2.59% 3.58% 6.86% 16.88% 4.51%
Long-Term Debt to Total Capital		 18.72% 18.98% 14.27% 7.20% 6.36% 10.58% 10.57% 10.44% 4.42% 5.35%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.28% 81.02% 85.73% 92.80% 83.44% 86.84% 85.85% 82.70% 78.70% 90.15%
Debt to EBITDA		 1.76 1.37 0.00 0.00 1.19 1.29 1.38 1.82 1.95 0.00
Net Debt to EBITDA		 -1.36 -0.53 0.00 0.00 -1.20 0.17 -0.25 -0.80 0.05 0.00
Long-Term Debt to EBITDA		 1.76 1.37 0.00 0.00 0.46 1.04 1.03 1.10 0.40 0.00
Debt to NOPAT		 2.25 1.78 0.00 0.00 1.65 1.67 1.95 2.57 2.71 0.00
Net Debt to NOPAT		 -1.74 -0.69 0.00 0.00 -1.67 0.22 -0.36 -1.14 0.07 0.00
Long-Term Debt to NOPAT		 2.25 1.78 0.00 0.00 0.63 1.34 1.46 1.55 0.56 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -27 -95 -36 39 -132 -163 -301 -313 -174 -118
Operating Cash Flow to CapEx		 907.30% 1,017.94% 0.00% 170.82% 934.71% 383.33% 272.95% 152.15% 1,292.83% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.47 -5.23 -2.20 2.44 -8.39 -12.57 -25.85 -36.07 -33.83 -38.59
Operating Cash Flow to Interest Expense		 1.69 1.03 0.00 0.08 1.29 1.35 0.95 0.47 3.90 0.00
Operating Cash Flow Less CapEx to Interest Expense		 1.51 0.93 0.00 0.03 1.15 1.00 0.60 0.16 3.60 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.00 0.00 0.05 0.04 0.04 0.04 0.04 0.00
Fixed Asset Turnover		 2.23 2.74 0.00 0.00 3.03 2.35 2.45 2.36 2.34 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 787 776 717 657 743 665 665 680 576 487
Invested Capital Turnover		 0.21 0.27 0.00 0.00 0.29 0.26 0.28 0.26 0.26 0.00
Increase / (Decrease) in Invested Capital		 44 111 52 -23 167 177 315 323 186 128
Enterprise Value (EV)		 876 851 0.00 0.00 739 798 0.00 0.00 946 0.00
Market Capitalization		 990 908 0.00 0.00 864 787 0.00 0.00 943 0.00
Book Value per Share		 $63.89 $62.80 $60.96 $60.08 $59.79 $55.57 $54.95 $53.65 $50.18 $58.89
Tangible Book Value per Share		 $44.28 $43.06 $41.21 $40.30 $40.30 $35.96 $35.18 $33.90 $36.11 $41.55
Total Capital		 787 776 717 657 743 665 665 680 576 487
Total Debt		 147 147 102 47 123 88 94 118 123 48
Total Long-Term Debt		 147 147 102 47 47 70 70 71 25 26
Net Debt		 -114 -57 3.37 -36 -124 12 -17 -52 3.27 -95
Capital Expenditures (CapEx)		 3.40 1.85 0.00 0.78 2.17 4.56 4.05 2.70 1.55 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 147 147 102 47 123 88 94 118 123 48
Total Depreciation and Amortization (D&A)		 1.22 0.78 1.48 0.84 7.79 -0.76 0.57 1.37 1.47 0.75
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.75 $1.65 $1.59 $1.51 $3.39 $1.43 $1.37 $1.09 $1.43 $1.26
Adjusted Weighted Average Basic Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M
Adjusted Diluted Earnings per Share		 $1.75 $1.65 $1.59 $1.51 $3.39 $1.43 $1.37 $1.09 $1.43 $1.26
Adjusted Weighted Average Diluted Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.99M 10.01M 10.01M 10.08M 10.14M 10.37M 10.39M 10.39M 10.48M 9.03M
Normalized Net Operating Profit after Tax (NOPAT)		 17 17 16 15 36 15 14 11 13 11
Normalized NOPAT Margin		 43.40% 40.59% 40.34% 40.72% 47.90% 37.76% 37.34% 28.04% 37.37% 32.06%
Pre Tax Income Margin		 54.37% 50.71% 50.99% 45.63% 61.04% 50.02% 48.63% 37.38% 48.77% 42.50%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.20 1.14 1.21 1.08 2.92 1.52 1.62 1.64 3.27 4.58
NOPAT to Interest Expense		 0.96 0.91 0.98 0.97 2.22 1.14 1.21 1.23 2.50 3.46
EBIT Less CapEx to Interest Expense		 1.01 1.04 0.00 1.03 2.78 1.17 1.27 1.33 2.96 0.00
NOPAT Less CapEx to Interest Expense		 0.78 0.81 0.00 0.92 2.08 0.79 0.87 0.92 2.20 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 23.74% 17.12% 0.00% 0.00% 16.05% 21.17% 21.26% 19.17% 17.30% 0.00%
Augmented Payout Ratio		 72.43% 56.76% 0.00% 0.00% 29.53% 38.53% 42.30% 54.23% 48.96% 0.00%

Frequently Asked Questions About Bank First's Financials

When does Bank First's financial year end?

According to the most recent income statement we have on file, Bank First's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Bank First's net income changed over the last 8 years?

Bank First's net income appears to be on an upward trend, with a most recent value of $65.56 million in 2024, rising from $14.91 million in 2016. The previous period was $74.51 million in 2023. See where experts think Bank First is headed by visiting Bank First's forecast page.

How has Bank First revenue changed over the last 8 years?

Over the last 8 years, Bank First's total revenue changed from $48.04 million in 2016 to $157.48 million in 2024, a change of 227.8%.

How much debt does Bank First have?

Bank First's total liabilities were at $3.86 billion at the end of 2024, a 7.0% increase from 2023, and a 142.2% increase since 2017.

How much cash does Bank First have?

In the past 7 years, Bank First's cash and equivalents has ranged from $29.17 million in 2021 to $69.97 million in 2023, and is currently $59.16 million as of their latest financial filing in 2024.

How has Bank First's book value per share changed over the last 8 years?

Over the last 8 years, Bank First's book value per share changed from 0.00 in 2016 to 63.89 in 2024, a change of 6,389.1%.


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This page (NASDAQ:BFC) was last updated on 5/25/2025 by MarketBeat.com Staff
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Tesla doesn't pay a traditional dividend.... But I just discovered a secret backdoor to collect a secret 69...
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Why Elon put $51 million into this
Why Elon Musk Just Invested $51 Million Into Brand New “Miracle Metal” Developed by MIT Scientists
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Elon’s NEXT Big IPO?
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The one deadline Elon can't afford to miss...
For years, Elon Musk made headlines for blowing past deadlines — so often that investors coined a nickname for...
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3..2..1.. AI 2.0 ignition (don’t sleep on this)
I just put together an urgent new presentation that you need to see right away. In short: I believe we are...
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