Bank First Corporation
NASDAQ•BFC
CEO: Mr. Michael B. Molepske
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2003-10-15
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. 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's 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. It also provides credit cards; ATM processing; 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.
Contact Information
Market Cap
$1.52B
P/E (TTM)
18.6
14.5
Dividend Yield
3.9%
52W High
$153.00
52W Low
$93.00
52W Range
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$61.39M+5.18%
4-Quarter Trend
EPS
$1.87+6.86%
4-Quarter Trend
FCF
-$142.36M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Asset Growth and Acquisition Total assets reached $4.51B; completed Centre 1 Bancorp merger on 1/1/2026, expanding footprint across Wisconsin and Illinois.
Strong Profitability Growth Net Income grew 9.0% YoY to $71.5M for 2025, driven by strong Net Interest Income growth and fee income increases.
Net Interest Margin Improvement NIM improved 17 basis points to 3.82% in 2025, supported by higher average earning asset yields offsetting modest deposit cost increases.
Solid Capital Position Bank's CET1 ratio stood at 11.2% (10.0% minimum required including buffer), well above regulatory minimums as of year-end.
Risk Factors
Real Estate Credit Concentration 74.1% of loan portfolio secured by real estate; downturns could impair collateral value and increase provision requirements.
Interest Rate Environment Impact Changes in market rates could compress Net Interest Margin or reduce asset yields, impacting earnings and capital stability.
Competitive Deposit Environment Intense competition for deposits may lead to higher funding costs, pressuring net interest margin and liquidity management.
Cybersecurity Threat Exposure Reliance on IT systems and third-party vendors creates material risk of disruption, reputational harm, or litigation from cyberattacks.
Outlook
Strategic Integration Focus Management focused on successfully integrating the Centre acquisition while optimizing operational efficiency and maintaining capital discipline.
Technology Modernization Needs Continued investment required in cybersecurity and digital banking to effectively compete against larger financial institutions.
Capital Adequacy Forecast Expect to continue exceeding all applicable well-capitalized regulatory capital requirements and buffers throughout the upcoming fiscal year.
Credit Quality Monitoring Continue emphasizing strong credit culture while actively managing concentration risk, particularly within the large commercial real estate portfolio.
Peer Comparison
Revenue (TTM)
$1.39B
$967.80M
$730.38M
Gross Margin (Latest Quarter)
79.7%
73.2%
73.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| WAFD | $2.37B | 9.8 | 8.0% | 9.1% |
| TCBK | $1.54B | 12.6 | 9.4% | 0.8% |
| STBA | $1.54B | 11.6 | 9.3% | 3.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.5%
Moderate Growth
4Q Net Income CAGR
0.3%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 13, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data