Saturday 17 October 2026
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Bank First National Corporation
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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 5 | 6 | 2 | 5 | 7 | 3 | 6 | — | — |
P/E ratio |
16.85 | 15.24 | 11.90 | 16.41 | 12.22 | 12.84 | 17.91 | 12.23 | 9.24 | 13.79 |
P/S ratio |
4.92 | 4.40 | 3.67 | 5.41 | 4.52 | 4.03 | 4.66 | 3.48 | 0.00 | 0.00 |
P/FCF ratio |
23.50 | 16.29 | 22.39 | 22.23 | 17.15 | 13.44 | 30.81 | 19.97 | 6.85 | 0.00 |
P/Operating CF |
41.34 | 32.27 | 43.52 | 36.80 | 35.25 | 22.29 | 35.08 | 24.13 | 19.64 | 0.00 |
P/B ratio |
1.86 | 1.55 | 1.43 | 1.63 | 1.71 | 1.64 | 2.06 | 1.78 | 2.15 | 0.00 |
Price to Tangible BV |
2.65 | 2.24 | 2.12 | 2.26 | 2.09 | 2.06 | 2.68 | 2.02 | 2.15 | 0.00 |
EV/Sales |
3.97 | 3.29 | 2.71 | 4.70 | 2.22 | 2.76 | 3.99 | 2.40 | 0.00 | 0.00 |
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 |
15.49 | 11.31 | 12.32 | 16.01 | 6.73 | 7.50 | 17.93 | 9.32 | 4.14 | 0.00 |
EV/FCF |
18.97 | 12.21 | 16.53 | 19.33 | 8.45 | 9.19 | 26.40 | 13.79 | 4.85 | 0.00 |
Quick Ratio |
0.06 | 0.07 | 0.07 | 0.04 | 0.12 | 0.07 | 0.04 | 0.07 | 0.07 | 0.07 |
Current Ratio |
1.00 | 0.98 | 1.00 | 0.95 | 0.97 | 0.98 | 0.93 | 0.96 | 0.95 | 0.93 |
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 |
0.27% | 0.27% | 0.38% | 0.64% | 0.60% | 0.64% | 0.84% | 0.64% | 0.66% | 0.00% |
Debt/Equity |
0.02 | 0.02 | 0.03 | 0.05 | 0.05 | 0.06 | 0.08 | 0.07 | 0.07 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.08 |
Operating CF/Net income |
0.88 | 1.01 | 0.71 | 0.89 | 0.89 | 1.16 | 0.85 | 0.91 | 1.20 | 0.97 |
Capex/Depreciation |
(1.86) | (0.71) | (1.65) | (1.15) | (1.52) | (1.64) | (2.13) | (2.64) | (1.18) | (0.57) |
| 11.09% | 10.36% | 13.81% | 11.57% | 14.60% | 14.38% | 13.10% | 15.15% | 10.59% | 10.30% | |
| 1.58% | 1.50% | 1.88% | 1.36% | 1.59% | 1.53% | 1.32% | 1.44% | 1.00% | 2.27% | |
ROIC |
13.35% | 12.73% | 15.90% | 10.43% | 86.58% | 21.93% | 13.20% | 25.66% | 21.17% | 29.85% |
Return on Tangible Assets |
85.52% | 538.96% | 97.74% | (40.22%) | (295.36%) | 524.14% | (28.89%) | (63.36%) | (27.24%) | (21.89%) |
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 |
33.08% | 31.92% | 35.94% | 45.39% | 42.84% | 45.33% | 46.11% | 46.72% | 49.43% | 47.07% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.05 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
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 |
(0.04) | (0.12) | (0.06) | (0.29) | (0.19) | (0.16) | (0.35) | (0.30) | 3.99 | 0.00 |
Graham Number |
103.15 | 96.58 | 100.03 | 84.09 | 75.03 | 67.10 | 54.70 | 47.33 | 0.00 | 0.00 |
Earnings Yield |
5.93% | 6.56% | 8.41% | 6.10% | 8.18% | 7.79% | 5.58% | 8.18% | 10.83% | 7.25% |
Free Cash Flow Yield |
4.26% | 6.14% | 4.47% | 4.50% | 5.83% | 7.44% | 3.25% | 5.01% | 14.59% | 0.00% |
Revenue per Share |
24.78 | 22.54 | 23.65 | 16.93 | 15.99 | 16.07 | 15.04 | 13.40 | 10.07 | 8.68 |
Operating CF per Share |
6.35 | 6.57 | 5.20 | 4.97 | 5.29 | 5.91 | 3.35 | 3.45 | 2.91 | 2.32 |
Capex per Share |
(1.16) | (0.48) | (1.33) | (0.85) | (1.07) | (1.09) | (1.07) | (1.12) | (0.45) | (0.21) |
Free Cash Flow per Share |
5.18 | 6.08 | 3.88 | 4.12 | 4.21 | 4.82 | 2.27 | 2.33 | 2.47 | 2.10 |
Cash per Share |
24.71 | 26.06 | 24.33 | 14.84 | 38.95 | 22.87 | 12.77 | 16.14 | 16.22 | 12.89 |
Shareholders Equity per Share |
65.40 | 63.78 | 60.92 | 56.32 | 42.33 | 39.62 | 34.01 | 26.12 | 25.73 | 20.50 |
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 |
65.40 | 63.78 | 60.92 | 56.32 | 42.33 | 39.62 | 34.01 | 26.12 | 25.73 | 20.50 |
Free Cash Flow |
51.04 | 61.00 | 39.46 | 33.14 | 32.11 | 35.88 | 15.38 | 15.57 | 15.50 | 13.09 |
Working Capital |
3.97 | (59.01) | 5.91 | (168.06) | (64.73) | (35.98) | (126.98) | (64.67) | (74.80) | (81.44) |
Capital Expenditures |
(11.44) | (4.84) | (13.48) | (6.87) | (8.17) | (8.09) | (7.27) | (7.48) | (2.82) | (1.32) |
Net Current Asset Value |
(52.53) | (117.94) | (52.20) | (216.03) | (102.05) | (78.33) | (167.97) | (94.85) | (103.76) | (92.79) |
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 |
0.05 | 0.02 | 0.06 | 0.05 | 0.07 | 0.07 | 0.07 | 0.08 | 0.04 | 0.02 |
Price to Operating Income |
13.60 | 12.50 | 8.78 | 12.16 | 9.18 | 9.67 | 13.82 | 9.70 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.08 | 0.10 | 0.12 | 0.11 | 0.11 | 0.11 | 0.10 | 0.12 | 0.13 | 0.17 |
Cash ROIC |
5.68% | 6.68% | 4.47% | 5.56% | 5.04% | 7.43% | 4.59% | 5.30% | 5.63% | 6.30% |
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 |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
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 |
19,255.21 | 19,478.05 | 25,570.19 | 89,724.76 | 111,136.87 | 61,100.00 | 34,506.54 | 38,286.69 | 71,123.17 | 69,346.31 |
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 |
3,678.43 | 3,547.00 | 3,246.57 | 2,794.33 | 2,424.70 | 2,082.14 | 1,700.24 | 1,531.90 | 1,316.83 | 1,316.83 |
Average Assets |
4,500.58 | 4,358.45 | 3,941.14 | 3,298.99 | 2,827.78 | 2,464.09 | 2,001.67 | 1,773.28 | 1,534.70 | 658.00 |
Average Common Equity |
641.76 | 629.74 | 536.45 | 387.88 | 308.76 | 262.53 | 202.27 | 168.03 | 144.63 | 144.76 |
Columns are period end dates