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Bank First National

NAQ:BFC · US06211J1007
BanksSmall

360

85
Profit price16
Cash yield35
Price/Sales3
EV / Gross Profit5
Price/Book5
Returns on capital43
Profit margins—
Cash Conversion13
Accruals96
Owner Earnings Margin75
Sales growth100
Profit Growth56
Owner Earnings Growth33
Reinvestment99
Price momentum37
Debt load64
Debt serviceability18
Liquidity88
Analyst ratings57
Opinion Changes50
Price Target Upside88
Market mood100
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Bank First National clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1894
Employees256
Websiteir.bankfirst.com/
ISINUS06211J1007
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingCommunities

Description

Bank First Corporation (Bank First) operates as the bank holding company for Bank First, N.A. (the bank) that provides financial services, including retail and commercial banking. The bank has various offices, including its headquarters, in Brown, C…

Analysis

Beloved champion

Bank First Corporation is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is fair. You pay 23.7× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and accelerating and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
66
2023202420252026

All-time high

74

Jan 2025

All-time low

3

Jan 2023

Average rank

43

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
3
1
1
18
Price/Earnings
10
7
17
38
Price/Book
5
3
3
7
Dividend Yield
35
20
16
16
Value (overall)
4
1
1
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →