BFC

BEARISH

$140.87 Live

Bank First Corporation · NASDAQ

Target $155.0 (+10.0%)

$105.24 52W Range $153.0

BFC Bank First Corporation - Fundamental Analysis

BEARISH

Console Chart News

BFC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$140.87

Analyst Target

$155.0

+10.0% Upside

52W High

$153.0

52W Low

$105.24

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026

Market cap

$1.58B

P/E

19.67

ROE

11.1%

Profit margin

41.4%

Debt/Equity

N/A

Dividend yield

1.3%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

BFC exhibits significant fundamental weakness, highlighted by a weak Piotroski F-Score of 3/9 and a current price ($140.87) that exceeds both its Graham Number ($102.70) and Intrinsic Value ($123.15). While historical price performance has been strong, the deterministic health indicators and a recent -18.5% earnings surprise suggest a disconnect between market price and underlying financial health. The technical trend is currently rated as bearish (0/100), further compounding the risk of a price correction toward fair value.

Key Strengths

Strong profit margins (41.42%) and operating margins (53.86%)

Positive YoY revenue growth of 9.40%

Sustainable dividend payout ratio at 24.90%

Strong 5-year price appreciation (+124.3%)

Positive ROE of 11.14% relative to sector average

Key Risks

Weak Piotroski F-Score (3/9) indicating deteriorating financial health

Trading at a significant premium to Graham Number and Intrinsic Value

Recent sharp earnings miss (-18.5% surprise in the most recent quarter)

Bearish technical trend score (0/100)

Low dividend yield (1.30%) providing little downside protection

AI Fair Value Estimate

Based on comprehensive analysis

$112.93

-19.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Overvalued with deteriorating health

Key drivers: Piotroski F-Score, Price-to-Intrinsic Gap, Earnings Surprise Trend

Confidence

90%

Value

30/100

Ref P/E 19.67, Graham Number $102.7

Positives

Forward P/E (13.13) is lower than current P/E

Watchpoints

Price exceeds Graham Number by 37%
Price exceeds Intrinsic Value by 14%
P/B ratio of 2.15 is high for regional banking

Future

55/100

Ref Growth rates and EPS surprises

Positives

Steady YoY revenue growth (9.4%)
Positive Q/Q revenue growth (11.15%)

Watchpoints

Earnings growth lagging revenue growth
Recent negative earnings surprise trend

Past

75/100

Ref Historical price performance

Positives

Strong 1Y (+38.6%) and 5Y (+124.3%) returns
Consistent historical earnings progression

Watchpoints

Recent quarterly earnings volatility

Health

20/100

Ref Piotroski F-Score

Positives

Positive ROA (1.59%)

Watchpoints

Piotroski F-Score of 3/9 is categorized as Weak
Lack of Altman Z-Score data for bankruptcy risk assessment

Dividend

40/100

Ref Yield 1.30%, Payout 24.9%

Positives

Low payout ratio (24.9%) suggests safety

Watchpoints

Very low yield (1.30%)
Low overall dividend strength score (25/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$140.87

Analyst Target

$155.0

Upside/Downside

+10.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BFC and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
BFC Bank First Corporation Primary	+124.3%	+126.4%	+38.6%	+17.3%	+7.2%	-1.9%
STBA S&T Bancorp, Inc. Peer	+59.9%	+75.5%	+24.6%	+22.0%	+6.0%	+0.3%
SBET Sharplink, Inc. Peer	-99.1%	-84.5%	+202.7%	-44.3%	+1.5%	+22.6%
BMEZ BlackRock Health Sciences Term Trust Peer	-15.2%	+31.8%	+7.0%	+16.6%	+2.9%	+1.9%
TCBK TriCo Bancshares Peer	+23.2%	+48.3%	+29.1%	+15.7%	+4.0%	-1.9%

BFC

Bank First Corporation

Primary

+124.3%

+126.4%

+38.6%

+17.3%

+7.2%

-1.9%

STB

S&T Bancorp, Inc.

Peer

+59.9%

+75.5%

+24.6%

+22.0%

+6.0%

+0.3%

SBE

Sharplink, Inc.

Peer

-99.1%

-84.5%

+202.7%

-44.3%

+1.5%

+22.6%

BME

BlackRock Health Sciences Term Trust

Peer

-15.2%

+31.8%

+7.0%

+16.6%

+2.9%

+1.9%

TCB

TriCo Bancshares

Peer

+23.2%

+48.3%

+29.1%

+15.7%

+4.0%

-1.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

19.67

13.13

N/A

2.15

9.14

8.57

N/A

$1.58B

Profitability

Profit margins and return metrics

Profit Margin 41.42%

Operating Margin 53.86%

Gross Margin N/A

ROE 11.14%

ROA 1.59%

Growth

Revenue and earnings growth rates

Revenue Growth +9.4%

Earnings Growth +6.8%

Q/Q Revenue Growth +11.15%

Q/Q Earnings Growth +4.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$21.71

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

41.2%

Total Assets

$4.5B

Liabilities

$3.9B

Equity

$0.6B

Debt/Equity

6.00x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

91%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-21

$N/A

2026-04-16

$1.78

-18.5% surprise

2026-01-22

$1.87

+6.0% surprise

2025-10-21

$1.91

+5.5% surprise

Financial Services Sector Comparison

Comparing BFC against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

19.67

This Stock

36.01

Sector Avg

-45.4% (Discount)

Return on Equity (ROE)

11.14%

This Stock

-0.73%

Sector Avg

-1620.4% (Below Avg)

Profit Margin

41.42%

This Stock

91.62%

Sector Avg

-54.8% (Weaker)

Revenue Growth

9.4%

This Stock

35.27%

Sector Avg

-73.3% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
BFC Bank First Corporation	BEARISH	$1.58B	19.67	11.1%	41.4%	$140.87
STBA S&T Bancorp, Inc.	NEUTRAL	$1.58B	12.23	9.4%	34.0%	$43.54	Compare
SBET Sharplink, Inc.	BEARISH	$1.58B	-	-60.7%	-%	$7.99	Compare
BMEZ BlackRock Health Sciences...	BEARISH	$1.57B	-	-%	-%	$15.54	Compare
TCBK TriCo Bancshares	NEUTRAL	$1.59B	12.88	10.0%	31.0%	$49.33	Compare

BFC Bank First Corporation

BEARISH

Mkt Cap

$1.6B

P/E

19.7

ROE

11.1%

Price

$140.87

STBA S&T Bancorp, Inc.

Compare with BFC

Compare with BFC

Compare with BFC

TCBK TriCo Bancshares

Compare with BFC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-09	LEMAHIEU KEVIN M	Chief Financial Officer	Gift	1,785	$254,559
2026-03-06	JOHNSON STEPHEN E.	Director	Stock Award	407	$55,039
2026-03-06	MOLEPSKE MICHAEL B.	Chief Executive Officer	Stock Award	4,470	$604,478
2026-03-06	VAN SISTINE PETER J	Director	Stock Award	407	$55,039
2026-03-06	LEMAHIEU KEVIN M	Chief Financial Officer	Stock Award	2,316	$313,193
2026-03-06	GREGORSKI ROBERT D.	Director	Stock Award	407	$55,039
2026-03-06	BOURBULAS MARY-KAY	Director	Stock Award	407	$55,039
2026-03-06	MAPLES PHILLIP R	Director	Stock Award	407	$55,039
2026-03-06	KREPLINE JASON V	Officer	Stock Award	1,380	$186,617
2026-03-06	MCCONEGHY DANIEL C	Director	Stock Award	407	$55,039
2026-03-06	MCFARLANE TIMOTHY J.	President	Stock Award	2,793	$377,697
2026-03-06	DVORAK KELLY M	Officer	Stock Award	1,029	$139,152
2026-03-06	DAVIS ERIN A	Director	Stock Award	407	$55,039
2026-03-06	STAYER-SUPRICK MICHAEL S	Director	Stock Award	407	$55,039
2026-03-06	SPRANG TODD A.	Director	Stock Award	407	$55,039

LEMAHIEU KEVIN M

Chief Financial Officer

Gift

2026-04-09

1,785 shares · $254,559

JOHNSON STEPHEN E.

Director

Stock Award

2026-03-06

407 shares · $55,039

MOLEPSKE MICHAEL B.

Chief Executive Officer

Stock Award

2026-03-06

4,470 shares · $604,478

VAN SISTINE PETER J

Director

Stock Award

2026-03-06

407 shares · $55,039

LEMAHIEU KEVIN M

Chief Financial Officer

Stock Award

2026-03-06

2,316 shares · $313,193

GREGORSKI ROBERT D.

Director

Stock Award

2026-03-06

407 shares · $55,039

BOURBULAS MARY-KAY

Director

Stock Award

2026-03-06

407 shares · $55,039

MAPLES PHILLIP R

Director

Stock Award

2026-03-06

407 shares · $55,039

KREPLINE JASON V

Officer

Stock Award

2026-03-06

1,380 shares · $186,617

MCCONEGHY DANIEL C

Director

Stock Award

2026-03-06

407 shares · $55,039

MCFARLANE TIMOTHY J.

President

Stock Award

2026-03-06

2,793 shares · $377,697

DVORAK KELLY M

Officer

Stock Award

2026-03-06

1,029 shares · $139,152

DAVIS ERIN A

Director

Stock Award

2026-03-06

407 shares · $55,039

STAYER-SUPRICK MICHAEL S

Director

Stock Award

2026-03-06

407 shares · $55,039

SPRANG TODD A.

Director

Stock Award

2026-03-06

407 shares · $55,039

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

FORM 8-K

2026-04-16

BFC filed an 8-K on April 16, 2026, likely to announce its first-quarter financial results.

8-K/A

FORM 8-K/A

2026-03-16

BFC filed an amendment to a previously submitted Current Report on Form 8-K.

10-K

2026-02-27

BFC filed its annual 10-K on February 27, 2026, which includes comprehensive disclosures regarding its business operations, risk factors, and financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

FORM 8-K

2026-01-22

BFC filed a Form 8-K on January 22, 2026, likely to announce its fourth quarter and full-year financial results.

8-K

FORM 8-K

2026-01-20

8-K

FORM 8-K

2026-01-02

BFC filed a current report on January 2, 2026, likely reporting year-end financial results or executive leadership changes effective January 1.

10-Q

2025-11-07

BFC submitted its quarterly 10-Q filing on November 7, 2025. While specific financial metrics were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

FORM 8-K

2025-10-21

BFC filed an 8-K on October 21, 2025, likely to announce its third-quarter financial results.

8-K

FORM 8-K

2025-10-21

BFC filed an 8-K on October 21, 2025, likely to announce its third-quarter financial results.

10-Q

2025-08-11

BFC filed its quarterly 10-Q report on August 11, 2025. While the filing includes a section dedicated to risk factors, specific financial highlights and detailed risk disclosures were not provided in the available excerpts.

8-K

FORM 8-K

2025-07-18

8-K

FORM 8-K

2025-07-18

8-K

FORM 8-K

2025-06-17

10-Q

2025-05-09

DEF 14A

2025-04-25

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

2 analysts

Piper Sandler

2026-01-26

Maintains

Neutral Neutral

Piper Sandler

2025-10-23

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning BFC from our newsroom.

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BFC

BFC Bank First Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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