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    B

    Bank First National Corp (BFC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $146.96
    +0.83 (+0.57%)

    Market Cap: $1.62B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(26/36)
    Avg Surprise
    +3.13%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$2.60
    Range$2.57 - $2.63
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$2.53+2.8%
    60d ago$2.53+2.8%
    30d ago$2.53+2.8%
    7d ago$2.53+2.8%
    Current$2.60
    Revenue Consensus
    $66M
    Range$65M - $66M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.71
    Range$2.71 - $2.71
    1 analysts
    Revenue Consensus
    $70M
    Range$70M - $70M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.71---
    Sep 26EST
    		-$2.60---
    Jun 26
    Reported Jul 21
    		$2.45$2.28+7.46%Beat+47.6%
    Mar 26
    Reported Apr 16
    		$1.78$2.19-18.72%Miss+2.3%
    Dec 25
    Reported Jan 22
    		$1.87$1.77+5.65%Beat+7.5%
    Sep 25
    Reported Oct 21
    		$1.91$1.81+5.52%Beat+15.8%
    Jun 25
    Reported Jul 18
    		$1.66$1.81-8.29%Miss+6.4%
    Mar 25
    Reported Apr 15
    		$1.74$1.62+7.41%Beat+15.2%
    Dec 24
    Reported Feb 28
    		$1.74$1.58+10.13%Beat+20.8%
    Sep 24
    Reported Oct 15
    		$1.65$1.54+7.14%Beat+13.0%
    Jun 24
    Reported Jul 16
    		$1.56$1.44+8.33%Beat+13.9%
    Mar 24
    Reported Apr 16
    		$1.51$1.47+2.72%Beat+38.5%
    Dec 23
    Reported Feb 29
    		$1.44$1.41+2.13%Beat+0.7%
    Sep 23
    Reported Oct 17
    		$1.46$1.42+2.82%Beat+15.9%
    Jun 23
    Reported Jul 18
    		$1.37$1.41-2.84%Miss-11.6%
    Mar 23
    Reported Apr 18
    		$1.09$1.44-24.31%Miss-18.7%
    Dec 22
    Reported Mar 10
    		$1.43$1.70-15.88%Miss-7.7%
    Sep 22
    Reported Oct 18
    		$1.26$1.60-21.25%Miss-13.7%
    Jun 22
    Reported Jul 19
    		$1.55$1.49+4.03%Beat+3.3%
    Mar 22
    Reported Apr 19
    		$1.34$1.39-3.60%Miss-10.1%
    Dec 21
    Reported Mar 16
    		$1.55$1.41+9.93%Beat+4.0%
    Sep 21
    Reported Oct 19
    		$1.46$1.42+2.82%Beat+2.8%
    Jun 21
    Reported Jul 20
    		$1.50$1.38+8.70%Beat+35.1%
    Mar 21
    Reported Apr 20
    		$1.49$1.47+1.36%Beat+46.1%
    Dec 20
    Reported Mar 12
    		$1.49$1.33+12.03%Beat+40.6%
    Sep 20
    Reported Oct 20
    		$1.42$1.10+29.09%Beat+36.5%
    Jun 20
    Reported Jul 22
    		$1.11$0.80+38.75%Beat+23.3%
    Mar 20
    Reported Apr 22
    		$1.02$1.03-0.97%Miss+2.0%
    Dec 19
    Reported Mar 11
    		$1.06$1.04+1.92%Beat+16.5%
    Sep 19
    Reported Oct 16
    		$1.04$0.80+30.00%Beat+16.9%
    Jun 19
    Reported Jul 18
    		$0.90$0.96-6.25%Miss-6.2%
    Mar 19
    Reported Apr 17
    		$1.00$0.92+8.70%Beat-4.8%
    Dec 18
    Reported Jan 23
    		$0.91$0.88+3.41%Beat+82.0%
    Sep 18
    Reported Oct 15
    		$0.89$0.89+0.00%Beat+20.3%
    Jun 18
    Reported Jul 18
    		$0.96$0.93+3.23%Beat+41.2%
    Mar 18
    Reported Apr 17
    		$1.05$0.93+12.90%Beat+64.1%
    Dec 17
    Reported Jan 17
    		$0.50$0.67-25.37%Miss-12.7%
    Sep 17
    Reported Oct 18
    		$0.74$0.65+13.85%Beat-
    Jun 17
    Reported Jul 19
    		$0.68N/AN/ABeat-
    Mar 17
    Reported Apr 20
    		$0.64N/AN/ABeat-
    Dec 16
    Reported Jan 24
    		$0.57N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield1.63%
    Forward Annual Dividend$2.40
    Payout Ratio28.72%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+24.18%
    5Y CAGR+17.32%
    BFC dividend history and ex-dividend datesRun BFC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio18.35EV/EBITDA16.74x
    Price/FCF38.26xFCF Yield2.61%
    Profitability
    Profit Margin37.30%Operating Margin51.50%
    ROE11.30%ROIC8.85%
    Financial Health
    Debt/Equity0.12xInterest Coverage1.35x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.41Avg Volume65.59K
    52-Week High$158.4752-Week Low$117.30

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$148.18
    SMA 20$149.22
    SMA 50$151.71
    SMA 200$143.04
    EMA 10$147.69
    EMA 20$148.92
    EMA 50$149.92
    EMA 200$142.68

    MACD

    Line: -1.41Signal: -1.08Hist: -0.32

    ADX

    ADX: 24.0+DI: 17.5-DI: 27.9

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down96.0
    PSAR$142.15

    Bollinger Bands

    Upper Band$153.48
    Lower Band$144.96
    %B Position571%(Upper)
    Band Width0.23

    RSI (14-Day)

    Neutral
    42.8

    Momentum Oscillators

    Stoch %K32.0
    Stoch %D24.1
    Williams %R-56.6
    ROC (10d)-1.7%
    Momentum-2.54
    CCI (20d)-65.5
    MFI (14d)27.3

    Volatility Measures

    ATR (14d)$3.14(2.1%)
    StdDev (20d)2.13
    Hist Vol16.5%(Low)

    Volume Flow

    VWAP$147.69
    OBV467.5K
    AD Line-26.4M
    CMF (20d)-0.237

    Volume Metrics

    Avg Vol (20d)66.3K
    Vol Ratio0.7x
    VWMA (20d)$149.24

    Pivot Points

    R3$152.81
    R2$149.88
    R1$148.00
    Pivot Point$145.07
    S1$143.20
    S2$140.27
    S3$138.40

    Advanced Oscillators

    TSI-14.14
    Ultimate Osc39.5
    KST-26.37

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$65.03M$63.75M$44.92M$44.21M$41.62M$43.13M$40.07M$40.78M$38.88M$37.75M$75.37M$39.31M
    Cost of RevenueN/A$20.39M$16.47M$17.85M$18.07M$18.91M$17.19M$18.15M$16.34M$16.12M$16.25M$12.93M
    Gross ProfitN/A$63.91M$44.92M$42.24M$40.43M$41.54M$41.18M$39.71M$37.97M$36.58M$26.62M$37.68M
    Operating Expenses$34.40M$39.06M$22.01M$21.09M$20.76M$20.60M$19.29M$20.10M$19.06M$20.32M$28.86M$19.65M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$24.69M$22.91M$22.47M$20.67M$22.12M$21.79M$20.68M$19.83M$17.22M$46.01M$19.66M
    Interest Income$75.72M$73.61M$56.64M$55.46M$54.58M$55.05M$53.75M$54.03M$49.35M$49.27M$48.66M$46.99M
    Interest Expense$20.69M$20.39M$16.47M$17.20M$17.87M$18.51M$18.19M$18.15M$16.34M$15.92M$15.75M$12.93M
    Income Before Tax$30.64M$24.69M$22.91M$22.47M$20.67M$22.12M$21.79M$20.68M$19.83M$17.22M$46.01M$19.66M
    Income Tax Expense$5.94M$4.70M$4.52M$4.48M$3.79M$3.88M$4.25M$4.12M$3.77M$1.81M$11.11M$4.86M
    Net Income$24.69M$19.99M$18.39M$17.99M$16.88M$18.24M$17.54M$16.55M$16.06M$15.41M$34.90M$14.80M
    EBITDA$29.27M$21.44M$23.66M$23.66M$22.71M$21.38M$23.01M$23.81M$19.94M$16.89M$53.80M$18.90M
    EBIT$30.64M$24.69M$22.91M$22.47M$20.67M$22.12M$21.79M$20.68M$19.83M$17.22M$46.01M$19.66M
    * Some calculated fields are derived from available data when not provided by source

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    News

    47 Peoples State Bank employees in Wausau to lose jobs in merger

    Forty-seven employees across three Peoples State Bank branches in Wausau will be laid off due to a merger with Bank First Corp. The layoffs, announced in an Oct. 1 notice...

    Wausau Daily Herald•10/2/26•Bearish

    Bank First Corp's Dividend Analysis

    Bank First Corp (BFC) recently announced a $0.60 per share dividend, with an ex-dividend date of September 23, 2026. The company has a consistent history of increasing its dividends annually since 2013...

    GuruFocus•9/23/26•Somewhat-Bullish

    Bank First Director Van Sistine Peter J. Offloads 1,848 Shares at $155.57 Each

    Bank First Corp Director Van Sistine Peter J. recently sold 1,848 shares of the company stock at $155.57 per share. This transaction reduced his total holdings to 7,640 shares...

    Kalkine Media•9/14/26•Somewhat-Bearish

    Bank First Corp Director Peter J. Van Sistine Sells 1,848 Shares at $155.57 Each

    Peter J. Van Sistine, a director at Bank First Corp (NASDAQ:BFC), sold 1,848 shares of the company's common stock at $155.57 each on September 11, 2026. Following the sale, Van Sistine directly owns 7,640 shares...

    Kalkine Media•9/12/26•Neutral

    Peoples State Bank and Bank First Corp. intend to merge in 2026

    Bank First Corporation and Peoples State Bank have received regulatory and shareholder approvals for their merger, which is expected to close on December 4...

    Wausau Daily Herald•9/9/26•Bullish

    BFC Valuation and Fair Value

    P/E
    18.3x
    Forward P/E
    5.8x
    EV/EBITDA
    16.7x
    P/FCF
    38.3x
    PEG
    0.1x
    P/B
    2.0x
    See GNG's fair value

    BFC Profitability: Margins, ROIC and FCF

    Operating margin
    51.5%
    Net margin
    37.3%
    ROIC
    8.9%
    ROE
    11.3%
    FCF margin
    19.5%
    FCF yield
    2.6%

    BFC Competitors

    CompanyTicker
    TriCo BancsharesTCBK
    Live Oak Bancshares, Inc.LOB
    Kemper CorporationKMPR
    Goosehead Insurance IncGSHD
    Sixth Street Specialty Lending IncTSLX
    QCR Holdings IncQCRH
    National Bank Holdings CorporationNBHC
    Origin Bancorp, Inc.OBK

    Sector: Financial Services

    BFC Bull Case vs Bear Case

    Bull case

    • BFC converts 19.5% of revenue into free cash flow.
    • BFC has a 37.3% net profit margin.
    • BFC beat EPS estimates in 75.0% of its last 8 reported quarters.

    BFC Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    2.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $2.60
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    BFC Dividend

    Forward yield
    1.6%
    Payout ratio
    28.7%
    3Y DPS growth
    24.2%
    5Y DPS growth
    17.3%
    Pay months
    Jan, Apr, Jul, Oct
    BFC dividend history

    Frequently Asked Questions About BFC

    What is BFC's current dividend yield?

    Bank First National Corp (BFC) has a forward dividend yield of 1.63%.

    Does BFC pay dividends?

    Yes, Bank First National Corp pays dividends with a forward dividend yield of 1.63%.

    What is BFC's P/E ratio?

    Bank First National Corp has a price-to-earnings (P/E) ratio of 18.35.

    What is BFC's market cap?

    Bank First National Corp (BFC) has a market capitalization of $1.62B with a current stock price of $146.96.

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