Bank First National Corporation

BFC Financial Banks Regional

Bank First National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $243.9 million, up 7.90% from fiscal 2024. In the quarter to June 2026, revenue grew 44.1%, EPS grew 29.2%, free cash flow grew 152.0% and total debt rose 107.1%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

147.60 0.64 +0.44%
Market cap
$1.6B
P/E
19.2×
Fwd P/E
15.0×
Dividend yield
1.42%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
Piotroski F-Score
— — 6 3 7 5 2 6 5 8
P/E ratio
13.79 9.24 12.23 17.91 12.84 12.22 16.41 11.90 15.24 16.85
P/S ratio
0.00 0.00 3.48 4.66 4.03 4.52 5.41 3.67 4.40 4.92
P/FCF ratio
0.00 6.85 19.97 30.81 13.44 17.15 22.23 22.39 16.29 23.50
P/Operating CF
0.00 19.64 24.13 35.08 22.29 35.25 36.80 43.52 32.27 41.34
P/B ratio
0.00 2.15 1.78 2.06 1.64 1.71 1.63 1.43 1.55 1.86
Price to Tangible BV
0.00 2.15 2.02 2.68 2.06 2.09 2.26 2.12 2.24 2.65
EV/Sales
0.00 0.00 2.40 3.99 2.76 2.22 4.70 2.71 3.29 3.97
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
0.00 4.14 9.32 17.93 7.50 6.73 16.01 12.32 11.31 15.49
EV/FCF
0.00 4.85 13.79 26.40 9.19 8.45 19.33 16.53 12.21 18.97
Quick Ratio
0.07 0.07 0.07 0.04 0.07 0.12 0.04 0.07 0.07 0.06
Current Ratio
0.93 0.95 0.96 0.93 0.98 0.97 0.95 1.00 0.98 1.00
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
0.00% 0.66% 0.64% 0.84% 0.64% 0.60% 0.64% 0.38% 0.27% 0.27%
Debt/Equity
0.00 0.07 0.07 0.08 0.06 0.05 0.05 0.03 0.02 0.02
Asset Turnover
0.08 0.04 0.05 0.05 0.05 0.04 0.04 0.06 0.05 0.05
Operating CF/Net income
0.97 1.20 0.91 0.85 1.16 0.89 0.89 0.71 1.01 0.88
Capex/Depreciation
(0.57) (1.18) (2.64) (2.13) (1.64) (1.52) (1.15) (1.65) (0.71) (1.86)
ROE
10.30% 10.59% 15.15% 13.10% 14.38% 14.60% 11.57% 13.81% 10.36% 11.09%
ROA
2.27% 1.00% 1.44% 1.32% 1.53% 1.59% 1.36% 1.88% 1.50% 1.58%
ROIC
29.85% 21.17% 25.66% 13.20% 21.93% 86.58% 10.43% 15.90% 12.73% 13.35%
Return on Tangible Assets
(21.89%) (27.24%) (63.36%) (28.89%) 524.14% (295.36%) (40.22%) 97.74% 538.96% 85.52%
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
47.07% 49.43% 46.72% 46.11% 45.33% 42.84% 45.39% 35.94% 31.92% 33.08%
Intangible Assets out of Total Assets
0.01 0.01 0.01 0.02 0.02 0.02 0.03 0.05 0.04 0.04
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Graham Net Nets
0.00 3.99 (0.30) (0.35) (0.16) (0.19) (0.29) (0.06) (0.12) (0.04)
Graham Number
0.00 0.00 47.33 54.70 67.10 75.03 84.09 100.03 96.58 103.15
Earnings Yield
7.25% 10.83% 8.18% 5.58% 7.79% 8.18% 6.10% 8.41% 6.56% 5.93%
Free Cash Flow Yield
0.00% 14.59% 5.01% 3.25% 7.44% 5.83% 4.50% 4.47% 6.14% 4.26%
Revenue per Share
8.68 10.07 13.40 15.04 16.07 15.99 16.93 23.65 22.54 24.78
Operating CF per Share
2.32 2.91 3.45 3.35 5.91 5.29 4.97 5.20 6.57 6.35
Capex per Share
(0.21) (0.45) (1.12) (1.07) (1.09) (1.07) (0.85) (1.33) (0.48) (1.16)
Free Cash Flow per Share
2.10 2.47 2.33 2.27 4.82 4.21 4.12 3.88 6.08 5.18
Cash per Share
12.89 16.22 16.14 12.77 22.87 38.95 14.84 24.33 26.06 24.71
Shareholders Equity per Share
20.50 25.73 26.12 34.01 39.62 42.33 56.32 60.92 63.78 65.40
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
20.50 25.73 26.12 34.01 39.62 42.33 56.32 60.92 63.78 65.40
Free Cash Flow
13.09 15.50 15.57 15.38 35.88 32.11 33.14 39.46 61.00 51.04
Working Capital
(81.44) (74.80) (64.67) (126.98) (35.98) (64.73) (168.06) 5.91 (59.01) 3.97
Capital Expenditures
(1.32) (2.82) (7.48) (7.27) (8.09) (8.17) (6.87) (13.48) (4.84) (11.44)
Net Current Asset Value
(92.79) (103.76) (94.85) (167.97) (78.33) (102.05) (216.03) (52.20) (117.94) (52.53)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.02 0.04 0.08 0.07 0.07 0.07 0.05 0.06 0.02 0.05
Price to Operating Income
0.00 0.00 9.70 13.82 9.67 9.18 12.16 8.78 12.50 13.60
Other line items
Depreciation/Fixed assets
0.17 0.13 0.12 0.10 0.11 0.11 0.11 0.12 0.10 0.08
Cash ROIC
6.30% 5.63% 5.30% 4.59% 7.43% 5.04% 5.56% 4.47% 6.68% 5.68%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.00 0.01 0.01 0.01 0.01 0.00 0.00 0.02 0.02 0.02
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
69,346.31 71,123.17 38,286.69 34,506.54 61,100.00 111,136.87 89,724.76 25,570.19 19,478.05 19,255.21
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
1,316.83 1,316.83 1,531.90 1,700.24 2,082.14 2,424.70 2,794.33 3,246.57 3,547.00 3,678.43
Average Assets
658.00 1,534.70 1,773.28 2,001.67 2,464.09 2,827.78 3,298.99 3,941.14 4,358.45 4,500.58
Average Common Equity
144.76 144.63 168.03 202.27 262.53 308.76 387.88 536.45 629.74 641.76

Fold the line items

Columns are period end dates