Bank First Corporation (BFC) stock analysis
In our weekly check, Bank First Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.
About Bank First Corporation
Bank First Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as BFC.
What our checks show for BFC
Red flags
- The net margin fell by 9.2 points over 5 years, to 29.7%: the company keeps less of each sale as profit.
- The gross margin fell by 19.9 points, to 70.3%: costs are rising faster than prices.
- The stock has fallen as much as 69% from a peak. Would you have held through that?
- Recovering from its deepest fall took about 4.6 years.
- Thinly traded (about 72 thousand shares a day): buying and selling can move the price.
Warning signs
- Free cash flow covers the dividend only 1 times.
- A small company (market value $1.63 billion): usually riskier and followed by fewer analysts.
Strengths
- Analysts expect earnings per share to grow about 19.8% a year over the next years.
- Analysts expect the net margin to improve by 4.7 points from today's 29.7%.
- Revenue grew 22.5% a year over the last 3 years.
- Net profit grew 16.5% a year over the last 3 years.
- The company keeps 29.7% of its revenue as net profit.
- Free cash flow is 21.2% of revenue: cash for dividends, buybacks or growth.
Similar companies
LOB · OCFC · QCRH · NBHC
Questions
What grade does Bank First Corporation (BFC) have?
In our weekly check, Bank First Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of BFC stock?
This week's biggest flags for Bank First Corporation: Margins falling, Gross margin falling, Deep past fall. In total 8 of 25 checks show a warning or a red flag.
What does Bank First Corporation do?
Bank First Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as BFC.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-24
Open the full analysis