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BANK FIRST CORP (BFC) Stock Fundamental Analysis

NASDAQ:BFC - Nasdaq - US06211J1007 - Common Stock - Currency: USD

102.17  -0.35 (-0.34%)

After market: 102.17 0 (0%)

Fundamental Rating

4

Taking everything into account, BFC scores 4 out of 10 in our fundamental rating. BFC was compared to 405 industry peers in the Banks industry. Both the profitability and the financial health of BFC get a neutral evaluation. Nothing too spectacular is happening here. BFC is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BFC was profitable.
BFC had a positive operating cash flow in the past year.
BFC had positive earnings in 4 of the past 5 years.
BFC had a positive operating cash flow in 4 of the past 5 years.
BFC Yearly Net Income VS EBIT VS OCF VS FCFBFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

The Return On Assets of BFC (1.92%) is better than 95.24% of its industry peers.
With an excellent Return On Equity value of 13.11%, BFC belongs to the best of the industry, outperforming 87.72% of the companies in the same industry.
Industry RankSector Rank
ROA 1.92%
ROE 13.11%
ROIC N/A
ROA(3y)1.51%
ROA(5y)1.42%
ROE(3y)11.95%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
BFC Yearly ROA, ROE, ROICBFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

The Profit Margin of BFC (42.66%) is better than 97.74% of its industry peers.
BFC's Profit Margin has improved in the last couple of years.
BFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 42.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.11%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
BFC Yearly Profit, Operating, Gross MarginsBFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

2. Health

2.1 Basic Checks

BFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BFC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BFC Yearly Shares OutstandingBFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
BFC Yearly Total Debt VS Total AssetsBFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

2.2 Solvency

BFC has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.
The Debt to FCF ratio of BFC (0.24) is better than 87.72% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that BFC is not too dependend on debt financing.
BFC's Debt to Equity ratio of 0.02 is amongst the best of the industry. BFC outperforms 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC10.98%
BFC Yearly LT Debt VS Equity VS FCFBFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFC Yearly Current Assets VS Current LiabilitesBFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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4

3. Growth

3.1 Past

BFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.20%, which is quite impressive.
BFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.79% yearly.
EPS 1Y (TTM)21.2%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.83%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-46.83%

3.2 Future

The Earnings Per Share is expected to grow by 7.54% on average over the next years.
The Revenue is expected to grow by 8.23% on average over the next years. This is quite good.
EPS Next Y8.15%
EPS Next 2Y7.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.85%
Revenue Next 2Y8.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BFC Yearly Revenue VS EstimatesBFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
BFC Yearly EPS VS EstimatesBFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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2

4. Valuation

4.1 Price/Earnings Ratio

BFC is valuated correctly with a Price/Earnings ratio of 15.82.
Compared to the rest of the industry, the Price/Earnings ratio of BFC indicates a slightly more expensive valuation: BFC is more expensive than 69.17% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.53, BFC is valued a bit cheaper.
The Price/Forward Earnings ratio is 14.62, which indicates a correct valuation of BFC.
67.92% of the companies in the same industry are cheaper than BFC, based on the Price/Forward Earnings ratio.
BFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.65.
Industry RankSector Rank
PE 15.82
Fwd PE 14.62
BFC Price Earnings VS Forward Price EarningsBFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

66.92% of the companies in the same industry are cheaper than BFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.73
EV/EBITDA N/A
BFC Per share dataBFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.94
PEG (5Y)1.47
EPS Next 2Y7.54%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.75%, BFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.19, BFC is paying slightly less dividend.
BFC's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.75%

5.2 History

On average, the dividend of BFC grows each year by 12.81%, which is quite nice.
BFC has paid a dividend for at least 10 years, which is a reliable track record.
BFC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)12.81%
Div Incr Years2
Div Non Decr Years2
BFC Yearly Dividends per shareBFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BFC pays out 17.21% of its income as dividend. This is a sustainable payout ratio.
BFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.21%
EPS Next 2Y7.54%
EPS Next 3YN/A
BFC Yearly Income VS Free CF VS DividendBFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
BFC Dividend Payout.BFC Dividend Payout, showing the Payout Ratio.BFC Dividend Payout.PayoutRetained Earnings

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BANK FIRST CORP

NASDAQ:BFC (2/24/2025, 4:05:07 PM)

After market: 102.17 0 (0%)

102.17

-0.35 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/amc
Earnings (Next)04-14 2025-04-14/amc
Inst Owners33.32%
Inst Owner Change-93.86%
Ins Owners9.14%
Ins Owner Change-0.27%
Market Cap1.02B
Analysts46.67
Price Target109.65 (7.32%)
Short Float %1.48%
Short Ratio7.98
Dividend
Industry RankSector Rank
Dividend Yield 1.75%
Yearly Dividend1.24
Dividend Growth(5Y)12.81%
DP17.21%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-26 2025-03-26 (0.45)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.95%
Min EPS beat(2)6.08%
Max EPS beat(2)7.82%
EPS beat(4)4
Avg EPS beat(4)4.25%
Min EPS beat(4)1.12%
Max EPS beat(4)7.82%
EPS beat(8)4
Avg EPS beat(8)-3.63%
EPS beat(12)6
Avg EPS beat(12)-4.12%
EPS beat(16)10
Avg EPS beat(16)-1.7%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)1.95%
Revenue beat(4)2
Avg Revenue beat(4)21.27%
Min Revenue beat(4)-6.34%
Max Revenue beat(4)90.62%
Revenue beat(8)2
Avg Revenue beat(8)9.14%
Revenue beat(12)4
Avg Revenue beat(12)6.36%
Revenue beat(16)6
Avg Revenue beat(16)5.64%
PT rev (1m)-0.46%
PT rev (3m)6.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.82
Fwd PE 14.62
P/S 5.29
P/FCF 20.73
P/OCF 18.48
P/B 1.63
P/tB 2.45
EV/EBITDA N/A
EPS(TTM)6.46
EY6.32%
EPS(NY)6.99
Fwd EY6.84%
FCF(TTM)4.93
FCFY4.82%
OCF(TTM)5.53
OCFY5.41%
SpS19.31
BVpS62.83
TBVpS41.74
PEG (NY)1.94
PEG (5Y)1.47
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 13.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.66%
GM N/A
FCFM 25.52%
ROA(3y)1.51%
ROA(5y)1.42%
ROE(3y)11.95%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.11%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Debt/EBITDA N/A
Cap/Depr 71.73%
Cap/Sales 3.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 59.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.98%
ROIC/WACCN/A
Cap/Depr(3y)202.18%
Cap/Depr(5y)236.09%
Cap/Sales(3y)6.75%
Cap/Sales(5y)7.34%
Profit Quality(3y)65.68%
Profit Quality(5y)69.76%
High Growth Momentum
Growth
EPS 1Y (TTM)21.2%
EPS 3Y3.01%
EPS 5Y10.79%
EPS Q2Q%20.83%
EPS Next Y8.15%
EPS Next 2Y7.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-46.83%
Revenue Next Year9.85%
Revenue Next 2Y8.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y101.57%
FCF growth 3Y3.5%
FCF growth 5Y21.15%
OCF growth 1Y55.39%
OCF growth 3Y6.4%
OCF growth 5Y18.09%