BFC Bank First Corp
Price (delayed)
$110.92
Market cap
$1.11B
P/E Ratio
17.06
Dividend/share
$1.65
EPS
$6.5
Enterprise value
$994.65M
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 3.2% YoY
The P/E is 42% higher than the last 4 quarters average of 12.0 and 29% higher than the 5-year quarterly average of 13.2
Bank First's net income has decreased by 21% from the previous quarter and by 12% YoY
Key stats
What are the main financial stats of BFC
Market
Valuations
Earnings
Shares outstanding
9.99M
Market cap
$1.11B
Enterprise value
$994.65M
Price to earnings (P/E)
17.06
Price to book (P/B)
1.74
Price to sales (P/S)
7.02
EV/EBIT
12.51
EV/EBITDA
11.36
EV/Sales
6.28
Revenue
$158.28M
Gross profit
$158.28M
Operating income
$79.55M
Net income
$65.56M
EBIT
$79.51M
EBITDA
$87.56M
Free cash flow
$61M
Per share
Balance sheet
Liquidity
EPS
$6.5
EPS diluted
$6.5
Free cash flow per share
$6.09
Book value per share
$63.89
Revenue per share
$15.81
TBVPS
$428.02
Total assets
$4.5B
Total liabilities
$3.86B
Debt
$147.37M
Equity
$639.68M
Working capital
N/A
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.3
Margins
Efficiency
Dividend
EBITDA margin
55.3%
Gross margin
100%
Net margin
41.4%
Operating margin
50.3%
Return on assets
1.5%
Return on equity
10.5%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
50.2%
Dividend yield
1.49%
DPS
$1.65
Payout ratio
25.4%
BFC stock price
How has the Bank First stock price performed over time
Intraday
0.32%
1 week
4.38%
1 month
10.34%
1 year
39.91%
YTD
11.94%
QTD
10.11%
Financial performance
How have Bank First's revenue and profit performed over time
Revenue
$158.28M
Gross profit
$158.28M
Operating income
$79.55M
Net income
$65.56M
Gross margin
100%
Net margin
41.4%
The operating income has decreased by 29% from the previous quarter and by 25% YoY
Bank First's net income has decreased by 21% from the previous quarter and by 12% YoY
BFC's revenue is down by 18% since the previous quarter and by 15% year-on-year
BFC's gross profit is down by 18% since the previous quarter and by 15% year-on-year
Growth
What is Bank First's growth rate over time
Valuation
What is Bank First stock price valuation
P/E
17.06
P/B
1.74
P/S
7.02
EV/EBIT
12.51
EV/EBITDA
11.36
EV/Sales
6.28
The P/E is 42% higher than the last 4 quarters average of 12.0 and 29% higher than the 5-year quarterly average of 13.2
The EPS has declined by 20% since the previous quarter and by 11% year-on-year
The P/B is 24% above the last 4 quarters average of 1.4 and 9% above the 5-year quarterly average of 1.6
Bank First's equity has increased by 3.2% YoY
BFC's P/S is 40% above its last 4 quarters average of 5.0 and 32% above its 5-year quarterly average of 5.3
BFC's revenue is down by 18% since the previous quarter and by 15% year-on-year
Efficiency
How efficient is Bank First business performance
The ROA has contracted by 25% from the previous quarter and by 17% YoY
BFC's ROIC is down by 23% QoQ and by 20% YoY
The company's return on equity fell by 22% QoQ and by 18% YoY
The return on sales has declined by 7% since the previous quarter and by 5% year-on-year
Dividends
What is BFC's dividend history
DPS
$1.65
Dividend yield
1.49%
Payout ratio
25.4%
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 7% YoY and by 5% QoQ
The total assets has grown by 6% year-on-year and by 4.7% since the previous quarter
The debt is 77% smaller than the equity
The debt is up by 16% year-on-year
The debt to equity has grown by 10% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.