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 '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)
ROE
11.09% 10.36% 13.81% 11.57% 14.60% 14.38% 13.10% 15.15% 10.59% 10.30%
ROA
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

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Columns are period end dates