YOLFTbeta
Bank First National Corp

Bank First National Corp

BFC · NASDAQ · Financial Services / Banks - Regional

149.78USD-0.26 (-0.17%)

Price History

Full chart

Market Stats

Previous Close150.04
Open148.89
Day Range148.89 – 150.83
52-Week Range117.30 – 158.47
Volume72.20K
Market Cap1.69B
P/E (TTM)19.81
Forward P/E5.81
EPS7.68
Dividend Yield1.59%
Beta0.40
50-Day Avg152.64
200-Day Avg142.54

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michael B. Molepske
  • Employees554
  • Headquarters402 North 8th Street, Manitowoc, WI, United States, 54220, USA
  • Websitehttps://www.bankfirst.com

Leadership

  • Mr. Michael B. MolepskeCEO & Chairman of the Board · b. 1961
  • Mr. Timothy J. McFarlanePresident & Director · b. 1967
  • Mr. Kevin M. LeMahieuExecutive VP & CFO · b. 1972
  • Ms. Kelly M. Dvorak J.D.Chief Legal Counsel & Company Secretary · b. 1978
  • Mr. Jason V. KreplineChief Lending Officer · b. 1976
  • Mr. Brendan MarstonChief Operations Officer
  • Mr. Matt LongmeyerChief Information Officer
  • Ms. Caryn LangolfSenior Vice President of Compliance/BSA
  • Ms. Debbie WeykerSenior Vice President of Marketing
  • Sharol SchroederSenior Vice President of Human Resources

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue16.97M16.81M22.77M26.33M37.40M35.08M34.54M39.97M48.46M53.24M54.09M52.10M46.89M40.82M43.83M42.84M45.00M45.83M50.00M59.28M84.52M97.14M117.02M116.78M130.77M186.47M223.24M240.45M
Growth (%)--0.96%+35.46%+15.61%+42.05%-6.20%-1.54%+15.73%+21.24%+9.86%+1.60%-3.66%-10.01%-12.94%+7.37%-2.26%+5.05%+1.83%+9.11%+18.57%+42.56%+14.94%+20.46%-0.20%+11.98%+42.60%+19.72%+7.71%
Cost of Revenue14.95M14.45M20.06M20.98M13.93M10.93M9.25M15.11M21.25M23.55M23.89M16.91M16.14M9.46M8.71M6.35M6.81M6.07M6.25M8.79M17.78M24.75M20.99M11.40M14.65M53.69M67.81M71.31M
Gross Profit2.02M2.36M2.71M5.34M23.47M24.14M25.29M24.86M27.20M29.69M30.20M35.20M30.75M31.36M35.12M36.49M38.19M39.75M43.75M50.50M66.73M72.39M96.03M105.38M116.12M132.79M155.44M169.14M
Gross Margin11.90%14.02%11.91%20.30%62.76%68.83%73.23%62.20%56.14%55.77%55.84%67.56%65.58%76.82%80.12%85.17%84.86%86.75%87.50%85.18%78.96%74.52%82.06%90.23%88.80%71.21%69.63%70.34%
Operating Expense-3.81M-3.57M-3.49M-984.00K14.54M14.43M14.98M16.31M18.47M19.99M24.21M26.45M20.98M19.96M20.63M19.98M19.31M19.61M21.13M26.36M34.68M38.11M46.15M45.41M56.49M33.99M75.92M80.97M
Operating Income5.83M5.92M6.20M6.33M8.93M9.71M10.31M8.55M8.73M9.70M5.99M8.75M9.78M11.40M14.49M16.50M18.88M20.15M22.62M24.14M32.05M34.29M49.88M59.97M59.63M98.79M79.51M88.17M
Operating Margin34.37%35.24%27.24%24.04%23.87%27.68%29.85%21.39%18.02%18.22%11.08%16.79%20.85%27.93%33.06%38.52%41.95%43.97%45.24%40.72%37.93%35.30%42.62%51.35%45.60%52.98%35.62%36.67%
EBITDA6.54M6.65M7.45M7.84M10.60M11.74M12.06M10.06M8.73M10.54M6.98M10.12M10.74M12.42M15.50M17.50M19.84M21.06M23.54M25.40M33.92M36.63M53.05M63.15M63.61M107.19M87.56M93.76M
EBITDA Margin38.54%39.56%32.72%29.77%28.33%33.46%34.91%25.17%18.02%19.81%12.90%19.42%22.92%30.41%35.36%40.85%44.10%45.96%47.08%42.84%40.14%37.71%45.33%54.08%48.64%57.48%39.22%39.00%
Net Income4.60M4.93M5.30M5.41M7.09M7.63M7.90M6.82M6.90M7.40M6.24M6.67M7.45M8.55M10.42M11.56M12.62M13.39M14.91M15.31M25.46M26.69M38.05M45.44M45.21M74.51M65.56M71.50M
Net Income Margin27.11%29.32%23.28%20.53%18.96%21.75%22.88%17.07%14.25%13.90%11.53%12.80%15.89%20.94%23.77%26.99%28.04%29.23%29.83%25.83%30.12%27.48%32.51%38.91%34.58%39.96%29.37%29.73%
Interest Expense14.15M13.60M19.00M17.98M11.98M9.68M8.80M12.91M19.25M21.65M17.55M13.13M9.52M7.35M5.81M4.88M4.78M5.06M5.93M7.73M14.85M19.50M13.87M8.30M12.45M49.00M68.61M70.06M
Interest Expense % of Total Revenue83.38%80.92%83.42%68.31%32.03%27.61%25.47%32.30%39.74%40.67%32.45%25.21%20.31%18.01%13.26%11.39%10.63%11.05%11.86%13.04%17.56%20.07%11.85%7.11%9.52%26.28%30.73%29.14%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets367.83M462.52M495.41M527.30M565.81M581.95M622.17M658.24M688.06M720.50M794.13M838.75M831.58M910.03M1.02B1.06B1.11B1.24B1.32B1.75B1.79B2.21B2.72B2.94B3.66B4.22B4.50B4.52B
Total Liabilities333.94M428.01M453.95M480.81M511.53M521.73M556.30M593.73M618.46M644.94M716.66M757.46M746.57M817.21M924.33M959.32M995.95M1.12B1.19B1.59B1.62B68.41M40.97M25.51M3.21B3.60B3.86B3.88B
Total Equity33.89M34.51M41.46M46.49M54.28M60.22M65.87M64.51M69.60M75.56M77.47M81.29M85.01M92.82M96.09M101.57M109.06M118.93M127.52M161.73M174.32M2.14B2.68B2.91B453.10M619.80M639.68M643.84M
Cash30.84M40.72M26.37M39.90M35.63M24.33M18.52M24.75M54.49M34.59M21.49M21.16M18.58M40.03M111.16M34.69M41.05M28.07M40.31M53.10M63.27M53.06M41.45M296.86M119.35M247.47M261.33M55.34M
Total Debt28.80M38.00M23.00M47.18M89.02M87.27M103.90M120.32M103.41M26.78M28.17M30.54M83.51M55.63M45.92M32.66M30.51M45.62M50.11M25.00M43.12M114.41M97.72M73.57M122.19M127.14M147.37M123.55M
Net Debt-2.04M-2.72M-3.37M7.28M53.39M62.94M85.38M95.57M48.92M-7.82M6.68M9.37M64.93M15.60M-65.24M-2.02M-10.54M17.55M9.80M-33.10M-51.77M15.35M-481.00K-271.35M-93.92M-120.33M-113.96M68.21M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.19M5.49M8.27M7.86M11.35M9.98M7.99M9.18M-11.41M13.14M13.07M11.64M13.52M15.56M13.62M16.44M12.62M14.41M18.32M23.05M22.65M43.96M40.28M40.01M52.95M65.85M62.48M
Investing Cash Flow-16.04M-28.82M-45.55M-17.91M-24.63M-39.28M-36.42M-23.41M--36.62M-87.36M-45.10M-11.65M-71.62M-44.74M-86.28M-53.71M-108.10M-83.03M-41.42M-30.10M-106.15M-206.03M-93.89M-177.81M269.00M-252.94M-15.97M
Financing Cash Flow13.15M33.21M22.94M23.57M29.48M8.98M32.54M30.78M-17.39M64.92M37.63M-10.57M66.65M99.85M32.81M27.37M119.28M63.13M44.92M12.81M62.21M245.83M180.24M-39.71M-193.82M200.95M-64.64M
Capital Expenditure725.55K2.08M1.41M398.00K305.00K701.00K893.00K829.00K0956.00K1.90M768.00K1.84M1.66M1.89M851.00K2.94M3.08M1.32M2.83M7.93M7.27M8.37M8.72M6.87M13.48M7.22M11.44M
Free Cash Flow5.47M3.40M6.86M7.46M11.04M9.28M7.10M8.35M-10.45M11.25M12.30M9.80M11.86M13.68M12.77M13.49M9.54M13.09M15.50M15.13M15.38M35.59M31.57M33.14M39.46M58.62M51.04M
Dividends Paid790.94K885.00K971.00K1.04M1.26M1.46M1.60M1.83M-2.35M2.59M3.01M2.77M2.78M5.78M1.41M2.91M3.21M3.67M4.05M4.53M5.46M6.15M8.73M7.82M11.96M15.56M52.50M
FCF to OCF88.28%62.03%82.96%94.94%97.31%92.98%88.83%90.96%-91.62%85.58%94.12%84.21%87.71%87.87%93.75%82.10%75.62%90.83%84.58%65.61%67.91%80.96%78.36%82.82%74.53%89.03%81.68%
Dividend Paid to FCF14.47%25.99%14.16%13.95%11.46%15.68%22.48%21.89%-22.49%23.00%24.45%28.25%23.44%42.25%11.00%21.58%33.63%28.00%26.11%29.95%35.52%17.27%27.67%23.61%30.31%26.55%102.87%

Earnings

Report DateSep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Mar 31, 2011Jun 30, 2011Sep 30, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jul 17, 2014Oct 22, 2014Jan 22, 2015Apr 22, 2015Jul 22, 2015Oct 20, 2015Jan 21, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 24, 2017Apr 20, 2017Jul 19, 2017Oct 18, 2017Jan 16, 2018Apr 16, 2018Jul 17, 2018Oct 15, 2018Jan 23, 2019Apr 17, 2019Jul 18, 2019Oct 16, 2019Jan 20, 2020Apr 21, 2020Jul 22, 2020Oct 20, 2020Jan 19, 2021Apr 20, 2021Jul 20, 2021Oct 19, 2021Jan 18, 2022Apr 19, 2022Jul 19, 2022Oct 18, 2022Jan 17, 2023Apr 18, 2023Jul 18, 2023Oct 17, 2023Jan 16, 2024Apr 16, 2024Jul 16, 2024Oct 15, 2024Jan 21, 2025Apr 15, 2025Jul 18, 2025Oct 21, 2025Jan 22, 2026Apr 16, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate--------------------------------0.650.670.930.930.890.880.920.960.801.041.030.801.101.331.471.381.421.411.391.491.601.701.441.411.421.411.471.441.541.581.621.811.811.772.192.282.63
EPS Actual0.290.250.310.260.290.270.320.370.280.340.490.430.340.300.460.490.390.450.500.480.480.490.550.540.540.490.610.600.600.570.640.680.740.501.050.960.890.911.000.901.041.061.021.111.421.491.491.501.461.551.341.551.261.431.091.371.461.441.511.561.651.741.741.661.911.871.782.45-
Surprise--------------------------------13.85%-25.37%12.90%3.23%0.00%3.41%8.70%-6.25%30.00%1.92%-0.97%38.75%29.09%12.03%1.36%8.70%2.82%9.93%-3.60%4.03%-21.25%-15.88%-24.31%-2.84%2.82%2.13%2.72%8.33%7.14%10.13%7.41%-8.29%5.52%5.65%-18.72%7.46%-
Timing-------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap1.69B
Enterprise Value1.52B
Trailing P/E19.81
Forward P/E5.81
PEG Ratio0.10
Price / Sales7.76
Price / Book2.04
EPS7.68
Book Value73.95
Revenue (TTM)217.23M
Gross Profit (TTM)217.23M
Profit Margin37.31%
Operating Margin51.47%
Return on Equity11.32%
Return on Assets1.57%
Shares Outstanding11.09M
Shares Float9.93M
Beta0.40
Dividend Yield1.59%
Dividend Rate2.40
Payout Ratio26.22%

Analyst Ratings

Buy
Based on 2 analystsTarget 163.00
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
38.95%
Insiders
10.33%
Retail / Other
50.72%

Top Institutional Holders

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    762.20K6.88%
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    470.98K4.25%
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    348.49K3.14%
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    282.11K2.54%
  • Dimensional Fund Advisors, Inc.
    187.68K1.69%
  • Merit Financial Group, LLC
    174.05K1.57%
  • Vanguard Portfolio Management, LLC
    135.93K1.23%
  • Bank of Montreal
    103.84K0.94%
  • BMO Capital Markets Corp.
    103.84K0.94%
  • Northern Trust Corp
    98.41K0.89%
  • Charles Schwab Investment Management Inc
    83.97K0.76%
  • First Trust Advisors L.P.
    70.61K0.64%
  • Vanguard Fiduciary Trust Co
    67.81K0.61%
  • Creative Planning Inc
    58.68K0.53%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    339.20K3.06%
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    266.34K2.40%
  • State Street® SPDR® S&PRgnllBkgETF
    125.86K1.14%
  • Fidelity Small Cap Index
    111.75K1.01%
  • iShares Russell 2000 Value ETF
    81.91K0.74%
  • Vanguard Russell 2000 ETF
    59.53K0.54%

Dividends

20263×
0.60Sep 23, 20260.55Jun 24, 20260.50Mar 25, 2026
20255×
0.45Dec 24, 20250.45Sep 24, 20250.45Jun 25, 20253.50May 9, 20250.45Mar 26, 2025
20244×
0.45Dec 23, 20240.40Sep 25, 20240.35Jun 26, 20240.35Mar 26, 2024
20235×
0.30Dec 26, 20230.30Sep 28, 20230.30Sep 19, 20230.30Jun 20, 20230.25Mar 21, 2023
20224×
0.25Dec 20, 20220.25Sep 20, 20220.22Jun 21, 20220.22Mar 22, 2022
20213×
0.22Dec 21, 20210.50Sep 21, 20210.21Jun 22, 2021

Stock Splits

  • Oct 21, 20022:1
  • Jul 3, 20002:1
  • Apr 19, 19995:4
  • Apr 14, 19975:4