📊 BFC Key Takeaways
Investment Thesis
Bank First Corp demonstrates solid fundamental strength with exceptional profitability margins (32.2% net margin), strong revenue growth (+46.2% YoY), and healthy free cash flow generation ($51M). The company maintains a fortress balance sheet with minimal leverage (0.00x debt/equity) and adequate interest coverage (5.5x), though ROE of 11.1% suggests moderate capital efficiency for a banking institution.
BFC Strengths
- Exceptional net profit margin of 32.2% indicating superior operational efficiency
- Robust revenue growth of 46.2% YoY demonstrates strong business momentum
- Conservative capital structure with virtually no debt (0.00x debt/equity ratio)
- Solid free cash flow of $51M (23% FCF margin) supporting sustainability
- Strong operating margin of 39.8% showing pricing power and cost control
- Minimal long-term debt of only $2.5M indicates financial flexibility
BFC Risks
- ROE of 11.1% is below peer expectations for commercial banks, suggesting suboptimal capital deployment
- ROA of 1.6% is relatively modest for a financial institution
- High insider trading activity (17 Form 4 filings in 90 days) warrants monitoring for potential distribution signals
- Revenue growth sustainability unclear given the 46.2% YoY rate may not be repeatable
- Limited diversity in available financial metrics constrains deeper operational analysis
Key Metrics to Watch
- Net Interest Margin (NIM) trends and deposit composition
- Loan loss provisions and asset quality metrics
- ROE trajectory - critical indicator for banking sector fundamentals
- Insider transaction patterns and potential capital allocation signals
- Operating leverage sustainability as revenue base matures
BFC Financial Metrics
💡 AI Analyst Insight
The 23.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BFC Profitability Ratios
BFC vs Finance Sector
How Bank First Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BFC Balance Sheet & Liquidity
BFC 5-Year Financial Trend
5-Year Trend Summary: Bank First Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $7.28 reflects profitable operations.
BFC Growth Metrics (YoY)
BFC Capital Allocation
BFC SEC Filings
Access official SEC EDGAR filings for Bank First Corp (CIK: 0001746109)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BFC
What is the AI rating for BFC?
Bank First Corp (BFC) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BFC's key strengths?
Exceptional net profit margin of 32.2% indicating superior operational efficiency. Robust revenue growth of 46.2% YoY demonstrates strong business momentum.
What are the risks of investing in BFC?
ROE of 11.1% is below peer expectations for commercial banks, suggesting suboptimal capital deployment. ROA of 1.6% is relatively modest for a financial institution.
What is BFC's revenue and growth?
Bank First Corp reported revenue of $221.7M.
Does BFC pay dividends?
Bank First Corp pays dividends, with $52.5M distributed to shareholders in the trailing twelve months.
Where can I find BFC SEC filings?
Official SEC filings for Bank First Corp (CIK: 0001746109) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BFC's EPS?
Bank First Corp has a diluted EPS of $7.23.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.