
Bank First Corporation
NASDAQ•BFC
CEO: Mr. Michael B. Molepske
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$1.64B
PER (TTM)
20.1
15
配当利回り
3.6%
52週高値
$153.00
52週安値
$93.00
52週レンジ
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$61.39M+5.18%
直近4四半期の推移
EPS
$1.87+6.86%
直近4四半期の推移
フリーCF
$0.00+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Net Income Rises Significantly Net income grew $5.1M for nine months to $53.1M, driven by higher loan yields offsetting rising deposit costs.
Net Interest Margin Expansion Taxable equivalent NIM improved 8 basis points to 3.75% for nine months, reflecting strong asset repricing in rate environment.
Solid Loan Portfolio Growth Total net loans increased $112.1M (3.2%) year-to-date, led by 10.9% growth in Commercial & Industrial loan segment.
Strong Capital Ratios Maintained Company CET1 ratio stood at 11.8%, significantly exceeding the 7.0% minimum requirement plus conservation buffer.
リスク要因
Rising Noninterest Expenses Noninterest expense rose $3.0M for nine months, primarily due to $0.7M increase in outside service fees related to acquisition.
Credit Provisioning Increased Provision for credit losses was $1.3M for nine months, up from $0.2M last year, primarily related to overall loan growth.
Deposit Balance Decline Total deposits decreased $122.3M (3.3%) over nine months, requiring increased reliance on FHLB borrowings for liquidity.
Interest Rate Sensitivity Exposure Interest rate simulation shows potential 3.8% drop in NII under 300 basis point rate shock scenario as of 9/30/2025.
見通し
Pending Acquisition Integration Merger agreement with Centre 1 Bancorp is expected to close January 1, 2026, creating a combined entity of $6.0B assets.
Asset Quality Remains Strong Management believes overall asset quality remains strong; ACL to loans ratio at 1.23% as of September 30, 2025.
Deposit Strategy Shift Strategy focuses on minimizing reliance on Certificates of Deposit by increasing relationship deposits in lower earning savings accounts.
Regulatory Capital Compliance Company expects to continue exceeding all applicable well-capitalized regulatory capital requirements throughout 2025.
同業比較
売上高 (TTM)
WAFD$1.39B
$967.80M
$730.38M
粗利益率 (最新四半期)
RBCAA100.0%
79.7%
BFC73.2%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WAFD | $2.51B | 10.4 | 8.0% | 9.1% |
| STBA | $1.67B | 12.6 | 9.3% | 2.7% |
| BFC | $1.64B | 20.1 | 8.1% | 2.8% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.5%
緩やかな成長
4四半期純利益CAGR
0.3%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月13日
EPS:-
|売上高:-
財務レポート
財務データ
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年11月7日|売上高: $60.10M+3.9%|EPS: $1.83+10.9%予想通りForm 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月11日|売上高: $58.50M+7.7%|EPS: $1.71+7.5%予想を下回るForm 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年5月9日|売上高: $60.46M+14.7%|EPS: $1.82+20.5%予想を上回るForm 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年2月28日|売上高: $223.24M+19.7%|EPS: $6.50-10.7%予想を上回るForm 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年11月12日|売上高: $57.86M+14.3%|EPS: $1.65+15.4%予想を上回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年8月7日|売上高: $54.31M+12.5%|EPS: $1.59+14.4%予想を上回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年5月9日|売上高: $52.70M+17.9%|EPS: $1.51+38.5%予想を上回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年2月29日|売上高: $186.47M+42.6%|EPS: $7.28+30.5%予想を下回る