BFC

Bank First Corporation

$115.05

0.33

(0.29%)

Exchange:	NASDAQ
Market Cap:	1.141B
Shares Outstanding:	1.736M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company’s loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	40,759	44,066	51,552	69,670	77,645	103,154	108,477	118,319	179,012	206,405
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	0
? Gross Profit	40,759	44,066	51,552	69,670	77,645	103,154	108,477	118,319	179,012	206,405
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	14,323	16,149	19,986	25,739	28,003	33,660	34,572	40,250	40,355	42,751
? Selling And Marketing Expenses	177	201	183	220	268	226	227	271	326	313
? Operating Expenses	-15,547	-15,515	-19,681	-22,772	-43,356	-53,277	-48,510	271	61,796	313
? Net Interest Income	0	0	0	0	0	0	0	0	0	137,800
? Interest Income	41,062	44,726	53,472	77,944	89,165	100,700	98,386	116,534	182,483	206,405
? Interest Expense	5,063	5,932	7,732	14,845	19,498	13,865	8,304	12,449	49,003	68,605
? Depreciation And Amortization	912	918	1,258	1,872	2,342	3,172	3,185	3,974	8,397	0
? EBITDA	21,061	23,537	25,397	33,925	36,631	53,049	63,152	63,607	107,191	0
? EBIT										148,118
? Operating Income	25,212	28,551	31,871	46,898	34,289	49,877	59,967	72,082	117,216	206,092
? Income Before Tax	20,149	22,619	24,139	32,053	34,289	49,877	59,967	59,633	98,794	79,513
? Income Tax Expense	6,754	7,706	8,826	6,597	7,595	11,831	14,523	14,419	24,280	13,950
? Net Income From Continuing Operations										65,563
? Net Income	13,395	14,913	15,313	25,456	26,694	38,046	45,444	45,214	74,514	65,563
? EPS (Earnings Per Share)	2.130	2.400	2.440	3.810	3.910	5.070	5.920	5.580	7.280	6.620
? EPS Diluted	2.130	2.400	2.440	3.810	3.870	5.050	5.900	5.560	7.260	6.580
? Weighted Average Shares Outstanding	6,291.319	6,220.694	6,285.901	6,673.758	6,820.225	7,441.256	7,621.632	8,044.905	10,173.210	9,959.556
? Weighted Average Shares Outstanding Diluted	6,291.319	6,220.694	6,285.901	6,673.758	6,902.616	7,481.077	7,643.167	8,069.260	10,198.993	10,012.190
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	28,070	40,306	53,100	63,265	53,059	41,450	296,860	119,351	247,468	59,164
? Short Term Investments	99,863	113,865	122,771	121,832	185,642	165,790	212,689	305,026	0	223,061
? Cash And Short Term Investments	127,933	154,171	175,871	185,097	238,701	207,240	509,549	424,377	247,468	282,225
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Total Current Assets	1,060,021	1,123,969	1,526,388	1,558,729	238,701	207,240	509,549	424,377	247,468	282,225
? Property Plant Equipment Net	12,960	13,323	18,578	24,489	35,286	43,183	49,461	56,448	69,891	71,108
? Goodwill	7,984	7,984	15,085	15,024	43,456	55,472	55,357	110,206	175,106	175,106
? Intangible Assets	2,325	2,409	5,578	5,297	9,666	9,167	9,051	26,411	40,664	21,203
? Long Term Investments	154,385	168,312	187,775	189,626	270,460	222,909	270,539	410,409	234,799	22,643
? Total Non Current Assets	177,654	192,028	227,016	234,436	358,868	330,731	384,408	603,474	3,974,373.999	290,060
? Total Assets	1,237,675	1,315,997	1,753,404	1,793,165	2,210,168	2,718,016	2,937,552	3,660,432	4,221,842	4,495,060
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	5,000	0	0	0	0	0	0	0
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	0	1,000,631	5,000	480,386	1,500,303	2,029,404	2,475,493	1,645,313	0	0
? Long Term Debt	0	0	15,000	11,500	68,412	40,969	25,511	25,429	51,394	135,372
? Deferred Revenue Non Current	0	0	-20,923	-19,150	62,194	33,127	17,851	-8,346.999	0	0
? Deferred Tax Liabilities Non Current	0	4,303	3,457	4,564	6,218	7,842	7,660	8,346.999	0	0
? Total Non Current Liabilities	0	194,288	15,000	11,500	68,412	40,969	25,511	3,207,329	3,602,043.999	135,372
? Total Liabilities	1,118,747	1,188,474	1,591,676	1,618,842	68,412	40,969	25,511	3,207,329	3,602,044	3,855,377
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	67	67	74	74	79	85	85	101	115	0
? Retained Earnings	123,526	134,773	145,879	168,363	189,494	221,393	258,104	295,496	348,001	398,002
? Additional Paid In Capital										0
? Total Stockholders Equity	118,928	127,523	161,728	174,323	230,211	294,857	322,653	453,103	619,798	639,683
? Total Equity	118,928	127,523	161,728	174,323	230,211	294,857	322,653	453,103	619,798	639,683
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,237,675	1,315,997	1,753,404	1,793,165	2,210,168	2,718,016	2,937,552	3,660,432	4,221,842	4,495,060
? Total Investments	254,248	282,177	310,546	311,458	456,102	388,699	483,228	715,435	234,799	245,704
? Total Debt	0	50,106	20,000	11,500	68,412	40,969	25,511	25,429	51,394	135,372
? Net Debt	-28,070	9,800	-33,100	-51,765	15,353	-481	-271,349	-93,922	-196,074	76,208
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	13,395	14,913	15,313	25,456	26,694	38,046	45,444	45,214	74,514	65,563
? Depreciation And Amortization	912	918	1,258	1,872	2,342	3,172	3,185	3,974	8,397	0
? Deferred Income Tax	218	-66	624	1,148	856	-116	-1	-869	-1,724	0
? Stock Based Compensation	341	419	465	556	685	1,081	1,393	1,662	2,142	2,172
? Change In Working Capital	-739	655	5,379	1,757	332	6,981	-4,359	-411	13,914	0
? Accounts Receivables	0	0	0	0	0	0	0	0	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	12,615	14,415	19,949	23,052	22,648	43,963	40,283	40,008	52,945	2,153
? Investments In Property Plant And Equipment	-3,075	-1,322	-2,825	-7,927	-7,268	-8,371	-8,718	-6,872	-13,484	0
? Acquisitions Net	-82,709	-67,792	-19,882	-25,847	-9,771	35,296	-36,679	154,364	89,959	0
? Purchases Of Investments	-41,656	-44,671	-49,594	-22,909	-117,548	-28,764	-93,767	-142,414	-26,646	0
? Sales Maturities Of Investments	19,862	30,730	62,376	22,697	59,854	133,221	43,120	14,690	254,697	0
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	84,561
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	95,876
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-31,683
? Net Dividends Paid	-3,208	-3,666	-4,046	-4,530	-5,463	-6,147	-8,733	-7,822	-11,959	-84,561
? Common Dividends Paid										-84,561
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	119,278	63,129	44,695	12,812	62,214	245,832	180,244	-39,711	-193,824	-51,369
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	23,791	-5,487	21,820	5,766	-21,291	83,767	126,641	-177,509	128,117	35,345
? Cash At End Of Period	85,644	80,157	101,977	107,743	86,452	170,219	296,860	119,351	247,468	261,332
? Cash At Beginning Of Period	61,853	85,644	80,157	101,977	107,743	86,452	170,219	296,860	119,351	247,468
? Operating Cash Flow	12,615	14,415	19,949	23,052	22,648	43,963	40,283	40,008	52,945	2,153
? Capital Expenditure	-3,075	-1,322	-2,825	-7,927	-7,268	-8,371	-8,718	-6,872	-13,484	0
? Free Cash Flow	9,540	13,093	17,124	15,125	15,380	35,592	31,565	33,136	39,461	2,153
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	55,262.242	74,257.764	82,335.229	102,346.176	112,959.705	125,474.651	155,492.645	158,840.333	176,228.328	186,421.291
Estimated Revenue (High)	55,433.757	74,488.235	82,590.770	102,663.823	113,310.294	125,825.348	155,707.354	159,059.666	176,471.671	186,678.708
Estimated Revenue (Avg)	55,348	74,373	82,463	102,505	113,135	125,650	155,600	158,950	176,350	186,550
Estimated Ebitda (Low)	23,878.788	37,058.665	42,551.989	40,881.243	55,130.901	58,234.559	64,058.012	70,932.397	78,697.253	83,249.064
Estimated Ebitda (High)	23,952.899	55,587.997	63,827.985	61,321.865	82,696.351	87,351.837	96,087.020	71,030.344	78,805.921	83,364.018
Estimated Ebitda (Avg)	23,915.844	46,323.331	53,189.987	51,101.554	68,913.626	72,793.198	80,072.516	70,981.371	78,751.587	83,306.541
Estimated Net Income (Low)	27,380.015	19,306.027	20,235.183	23,134.263	35,061.383	37,082.834	59,271.197	66,628.500	72,373.222	75,824.324
Estimated Net Income (High)	27,490.572	28,959.042	30,352.776	34,701.395	52,592.076	55,624.254	88,906.802	69,457.500	72,503.181	75,960.490
Estimated Net Income (Avg)	27,435.293	24,132.535	25,293.980	28,917.829	43,826.730	46,353.544	74,089	68,043	72,438.201	75,892.407
Estimated SGA Expense (Low)	17,402.046	19,747.129	21,404.804	20,818.944	26,848.677	29,295.609	32,225.167	38,774.103	43,018.641	45,506.819
Estimated SGA Expense (High)	17,456.056	29,620.694	32,107.204	31,228.415	40,273.016	43,943.414	48,337.753	38,827.643	43,078.043	45,569.656
Estimated SGA Expense (Avg)	17,429.051	24,683.912	26,756.005	26,023.680	33,560.847	36,619.512	40,281.461	38,800.873	43,048.342	45,538.238
Estimated EPS (Avg)	2.690	3.780	3.960	4.830	5.860	6.130	5.840	6.310	7.240	7.580
Estimated EPS (High)	2.700	3.790	3.970	4.840	5.870	6.140	5.850	6.320	7.240	7.590
Estimated EPS (Low)	2.680	3.770	3.950	4.820	5.850	6.120	5.840	6.300	7.230	7.570
Number of Analysts (Estimated Revenue)	1	1	1	1	1	1	1	1	1	1
Number of Analysts (Estimated EPS)	1	1	1	1	1	1	1	1	1	1

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Current Key Metrics

?	Revenue (TTM) :	223.542M	?	P/S (TTM) :	4.76
?	Net Income (TTM) :	65.214M	?	P/E (TTM) :	16.14
?	Enterprise Value (TTM) :	946.396M	?	EV/FCF (TTM) :	15.24
?	Dividend Yield (TTM) :	0.05	?	Payout Ratio (TTM) :	0.24
?	ROE (TTM) :	0.11	?	ROIC (TTM) :	0.08
?	Net Debt (TTM) :	89.793M	?	Debt/Equity (TTM) :	0.23
?	P/B (TTM) :	1.7	?	Current Ratio (TTM) :	0.11

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
42.65	30.35	28.97	23.75	19.58

SWOT Analysis

No SWOT analysis available for this stock.

BFC

0.29

2.43

0.52

11.49

14.65

44.12

83.49

Trading Metrics:

Open:	115.36	Previous Close:	114.72
Day Low:	114.61	Day High:	116.49
Year Low:	77	Year High:	119.04
Price Avg 50:	112.46	Price Avg 200:	102.16
Volume:	244279	Average Volume:	48585

BFC

Bank First Corporation

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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