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
$1.51B
PER (TTM)
18.5
14.4
配当利回り
3.9%
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
-$142.36M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$1.39B
$967.80M
$730.38M
粗利益率 (最新四半期)
79.7%
73.2%
73.2%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WAFD | $2.37B | 9.8 | 8.0% | 9.1% |
| STBA | $1.54B | 11.6 | 9.3% | 3.1% |
| TCBK | $1.54B | 12.6 | 9.4% | 0.8% |
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:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし