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BFC Bank First Corp

Price (delayed)

$116.25

Market cap

$1.15B

P/E Ratio

17.07

Dividend/share

$5.15

EPS

$6.81

Enterprise value

$998.96M

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. ...

Highlights
Bank First's equity has increased by 6% YoY
Bank First's net income has decreased by 14% YoY but it has increased by 4.3% from the previous quarter
BFC's revenue is down by 14% year-on-year but it is up by 3.3% since the previous quarter
The P/E is 32% higher than the last 4 quarters average of 12.9 and 28% higher than the 5-year quarterly average of 13.3

Key stats

What are the main financial stats of BFC
Market
Shares outstanding
9.92M
Market cap
$1.15B
Enterprise value
$998.96M
Valuations
Price to earnings (P/E)
17.07
Price to book (P/B)
1.79
Price to sales (P/S)
7.11
EV/EBIT
11.83
EV/EBITDA
10.82
EV/Sales
6.11
Earnings
Revenue
$163.46M
Gross profit
$163.46M
Operating income
$84.41M
Net income
$68.39M
EBIT
$84.41M
EBITDA
$92.28M
Free cash flow
$64.46M
Per share
EPS
$6.81
EPS diluted
$6.81
Free cash flow per share
$6.45
Book value per share
$64.88
Revenue per share
$16.35
TBVPS
$429.88
Balance sheet
Total assets
$4.51B
Total liabilities
$3.86B
Debt
$146.89M
Equity
$648.41M
Working capital
N/A
Liquidity
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.67
Margins
EBITDA margin
56.5%
Gross margin
100%
Net margin
41.8%
Operating margin
51.6%
Efficiency
Return on assets
1.6%
Return on equity
10.8%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
51.6%
Dividend
Dividend yield
4.43%
DPS
$5.15
Payout ratio
75.6%

BFC stock price

How has the Bank First stock price performed over time
Intraday
0.22%
1 week
3.52%
1 month
9.39%
1 year
36.96%
YTD
17.32%
QTD
15.4%

Financial performance

How have Bank First's revenue and profit performed over time
Revenue
$163.46M
Gross profit
$163.46M
Operating income
$84.41M
Net income
$68.39M
Gross margin
100%
Net margin
41.8%
The operating income has decreased by 23% YoY but it has increased by 6% from the previous quarter
Bank First's net income has decreased by 14% YoY but it has increased by 4.3% from the previous quarter
BFC's revenue is down by 14% year-on-year but it is up by 3.3% since the previous quarter
BFC's gross profit is down by 14% year-on-year but it is up by 3.3% since the previous quarter

Price vs fundamentals

How does BFC's price correlate with its fundamentals

Growth

What is Bank First's growth rate over time

Valuation

What is Bank First stock price valuation
P/E
17.07
P/B
1.79
P/S
7.11
EV/EBIT
11.83
EV/EBITDA
10.82
EV/Sales
6.11
The P/E is 32% higher than the last 4 quarters average of 12.9 and 28% higher than the 5-year quarterly average of 13.3
The EPS has declined by 12% year-on-year but it rose by 4.8% since the previous quarter
The P/B is 19% above the last 4 quarters average of 1.5 and 12% above the 5-year quarterly average of 1.6
Bank First's equity has increased by 6% YoY
BFC's P/S is 34% above its 5-year quarterly average of 5.3 and 32% above its last 4 quarters average of 5.4
BFC's revenue is down by 14% year-on-year but it is up by 3.3% since the previous quarter

Efficiency

How efficient is Bank First business performance
The company's return on equity fell by 19% YoY but it rose by 2.9% QoQ
BFC's ROIC is down by 19% YoY but it is up by 5% QoQ
The ROA has contracted by 16% YoY but it has grown by 7% from the previous quarter
The return on sales has declined by 3.4% year-on-year but it rose by 2.8% since the previous quarter

Dividends

What is BFC's dividend history
DPS
$5.15
Dividend yield
4.43%
Payout ratio
75.6%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Bank First financials performed over time
The total assets is 17% greater than the total liabilities
Bank First's total liabilities has increased by 10% YoY
The total assets has grown by 10% year-on-year
The debt is 77% smaller than the equity
The debt to equity has soared by 188% YoY
Bank First's equity has increased by 6% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.