BFC Bank First Corporation - Fundamental Analysis
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BFC Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$137.32
Analyst Target
$151.0
+10.0%
Upside
52W High
$142.0
52W Low
$93.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$1.54B
P/E
19.13
ROE
11.2%
Profit margin
41.9%
Debt/Equity
N/A
Dividend yield
1.33%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant concerns in profitability, leverage, and operating efficiency. Despite strong profitability margins and solid earnings growth, the lack of Altman Z-Score data and incomplete balance sheet metrics (Debt/Equity, Cash, Debt) limits confidence in financial stability. The stock trades above the Graham Number of $101.58 but below the analyst target of $151.00, suggesting mixed valuation signals. While earnings momentum and insider sentiment are moderately positive, technical trend and dividend strength remain weak, resulting in a balanced but cautious outlook.
Key Strengths
High operating and profit margins (54.74% and 41.86% respectively) outperform sector averages
Strong year-over-year earnings growth of 14.9% and revenue growth of 6.80%
Consistently beats earnings estimates over recent quarters with positive surprises in 7 of last 8 quarters
Low payout ratio of 25.32% provides dividend sustainability and reinvestment capacity
Analyst recommendation is 'buy' with a target price implying ~10% upside
Key Risks
Piotroski F-Score of 3/9 signals weak financial health, particularly in asset utilization and leverage trends
Missing Altman Z-Score and key financials (Debt/Equity, Cash, Debt) create uncertainty in solvency assessment
Technical trend score of 10/100 indicates strong bearish momentum near 52-week high
Gross margin reported as 0.00%, which is atypical for a regional bank and may indicate data anomaly or structural issue
Limited analyst coverage (only 2 analysts) reduces reliability of consensus estimates
AI Fair Value Estimate
Based on comprehensive analysis
$150.0
+9.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
56
Moderate
62
70
65
35
50
AI Verdict
Neutral with upside potential if financial health improves
Key drivers: Strong earnings growth and margin performance, Low Piotroski F-Score weighing on health assessment, Valuation between Graham Number and intrinsic value, Positive but inconsistent earnings surprise history, Bearish technical trend despite strong long-term returns
Confidence
75%
Value
62/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 12.92 below sector average of 22.39
- Price below analyst target of $151.00
Watchpoints
- Current price ($137.32) above Graham Number ($101.58)
- High P/E of 19.13 and P/S of 9.13 suggest premium valuation
Future
70/100
Ref Growth rates
Positives
- YoY EPS growth of 14.9% and revenue growth of 6.80%
- Forward P/E contraction suggests earnings expectations are priced in
Watchpoints
- Q/Q earnings growth slowing to +8.7%
- PEG Ratio unavailable limits growth-adjusted valuation
Past
65/100
Ref Historical trends
Positives
- 5Y return of +120.4% significantly outperforms sector
- History of beating earnings estimates in recent quarters
Watchpoints
- Earnings misses in 2023 with surprises as low as -24.1%
- Volatility in quarterly performance suggests inconsistency
Health
35/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 11.24% exceeds sector average (which is negative)
- Operating margin strength indicates pricing power
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Missing Altman Z-Score, Debt/Equity, and liquidity ratios
Dividend
50/100
Ref Yield, Payout
Positives
- Payout ratio of 25.32% is sustainable
- Dividend strength score of 25/100 suggests room for improvement
Watchpoints
- Yield of 1.33% is below sector average for financials
- No 5-year average yield to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$137.32
Analyst Target
$151.0
Upside/Downside
+10.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BFC and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BFC
Bank First Corporation
Primary
|
+120.4% | +89.8% | +41.8% | +9.5% | +7.0% | +6.0% |
|
BCAT
BlackRock Capital Allocation Term Trust
Peer
|
+28.2% | +62.6% | +16.7% | +9.3% | +5.2% | +0.9% |
|
BMEZ
BlackRock Health Sciences Term Trust
Peer
|
-15.2% | +31.8% | +7.0% | +16.6% | +2.9% | +1.9% |
|
BSTZ
BlackRock Science and Technology Term Trust
Peer
|
+4.5% | +76.4% | +17.1% | +13.7% | -0.8% | -0.1% |
|
BTT
Blackrock Municipal 2030 Target Term Trust
Peer
|
+1.3% | +10.1% | +11.1% | +3.8% | +1.3% | -0.8% |
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
P/E Ratio
19.13
Forward P/E
12.92
PEG Ratio
N/A
P/B Ratio
2.15
P/S Ratio
9.13
EV/Revenue
8.48
EV/EBITDA
N/A
Market Cap
$1.54B
Profitability
Profit margins and return metrics
Profit Margin
41.86%
Operating Margin
54.74%
Gross Margin
N/A
ROE
11.24%
ROA
1.62%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.8%
Earnings Growth
+10.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+8.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$12.83
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-14
$N/A
2026-01-22
$2.0
+10.5% surprise
2025-10-21
$1.91
+5.5% surprise
2025-07-18
$1.66
-8.3% surprise
Financial Services Sector Comparison
Comparing BFC against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
19.13
This Stock
vs
30.37
Sector Avg
-37.0%
(Discount)
Return on Equity (ROE)
11.24%
This Stock
vs
-7.62%
Sector Avg
-247.5%
(Below Avg)
Profit Margin
41.86%
This Stock
vs
82.75%
Sector Avg
-49.4%
(Weaker)
Revenue Growth
6.8%
This Stock
vs
28.35%
Sector Avg
-76.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BFC
Bank First Corporation
|
NEUTRAL | $1.54B | 19.13 | 11.2% | 41.9% | $137.32 | |
|
BCAT
BlackRock Capital...
|
BEARISH | $1.54B | 9.72 | -% | -% | $14.67 | |
|
BMEZ
BlackRock Health Sciences...
|
BEARISH | $1.57B | - | -% | -% | $15.54 | |
|
BSTZ
BlackRock Science and...
|
BEARISH | $1.6B | 3.64 | -% | -% | $22.64 | |
|
BTT
Blackrock Municipal 2030...
|
NEUTRAL | $1.48B | 24.82 | 3.5% | 66.0% | $22.59 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-09-03 | LEMAHIEU KEVIN M | Chief Financial Officer | Gift | 2,000 | $257,000 |
| 2025-08-19 | STAYER-SUPRICK MICHAEL S | Director | Purchase | 410 | $50,295 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
Piper Sandler
2025-10-23
Neutral
Neutral
Past News Coverage
Recent headlines mentioning BFC from our newsroom.
Newest → oldest
No matching news yet.