ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank First Corp. ?
1
High Profitability with a Net Interest Margin of 9.95%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.95%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 40.17 MM
- CASH AND EQV(HY) Highest at USD 290.92 MM
- NET SALES(Q) Highest at USD 56.64 MM
4
With ROA of 1.28%, it has a expensive valuation with a 2.17 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.52%, its profits have fallen by -14.7%
5
High Institutional Holdings at 43.31%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.69% over the previous quarter.
6
Market Beating performance in long term as well as near term
- Along with generating 34.52% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank First Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank First Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank First Corp.
33.51%
2.48
29.22%
S&P 500
17.78%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.10%
EBIT Growth (5y)
10.22%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.90%
Pledged Shares
0
Institutional Holding
43.31%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
2.17
EV to EBIT
17.40
EV to EBITDA
15.78
EV to Capital Employed
2.23
EV to Sales
5.99
PEG Ratio
NA
Dividend Yield
38.80%
ROCE (Latest)
12.79%
ROE (Latest)
11.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 40.17 MM
CASH AND EQV(HY)
Highest at USD 290.92 MM
NET SALES(Q)
Highest at USD 56.64 MM
OPERATING PROFIT(Q)
Highest at USD 22.64 MM
PRE-TAX PROFIT(Q)
Highest at USD 22.91 MM
NET PROFIT(Q)
Highest at USD 18.39 MM
EPS(Q)
Highest at USD 1.87
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 35.38 MM
Here's what is working for Bank First Corp.
NII
Highest at USD 40.17 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 56.64 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 22.64 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 22.91 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 18.39 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.87
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 290.92 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank First Corp.
Operating Cash Flow
Lowest at USD 35.38 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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