Bank First Corp. (BFC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

German American Bancorp, Inc.

Peoples Bancorp, Inc. (Ohio)

Bank First Corp.

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Sandy Spring Bancorp, Inc.

Lakeland Bancorp, Inc.

Berkshire Hills Bancorp, Inc.

Origin Bancorp, Inc.

PacWest Bancorp

Why is Bank First Corp. ?

High Profitability with a Net Interest Margin of 12.37%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 17.64%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 71.66 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NII(Q) Highest at USD 36.7 MM

High Institutional Holdings at 36.18%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you buy?

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.

23.08%

2.11

28.28%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.53%

EBIT Growth (5y)

16.69%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.90%

Pledged Shares

Institutional Holding

36.18%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.90

EV to EBIT

14.17

EV to EBITDA

12.90

EV to Capital Employed

2.25

EV to Sales

4.97

PEG Ratio

Dividend Yield

104.14%

ROCE (Latest)

15.90%

ROE (Latest)

10.49%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 71.66 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 36.7 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 26.44%

CASH AND EQV(HY)

Highest at USD 145.33 MM

-3What is not working for the Company

GROSS NPA (%)

OPERATING PROFIT MARGIN(Q)

Lowest at 35.68 %

Here's what is working for Bank First Corp.

Operating Cash Flow

Highest at USD 71.66 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

NII

Highest at USD 36.7 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Cash and Eqv

Highest at USD 145.33 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 26.44%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Bank First Corp.

Non Performing Loans (%)

Highest at 0.38%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit Margin

Lowest at 35.68 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Capital Adequacy Ratio

Lowest at 11.61%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)