Stocks · Financial Services · Banks - Regional
Bank First Corporation BFC
$152.60 +2.07% Close, Oct 2, 2026 · NASDAQ · Market cap $1.71B
Strong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 12.6% in a year.
- The shares trade at 19.8× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 535 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- EPS growth (TTM, YoY)Bottom 39%
- FCF growth (TTM, YoY)Bottom 18%
- Revenue growth, 3-year CAGRTop 25%
- Revenue growth accelerationTop 10%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 19%
- Gross marginTop 27%
- Operating marginTop 21%
- Cash conversion (OCF / net income)Bottom 28%
- Accruals (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 13%
- Interest coverTop 40%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 42%
- Free-cash-flow yieldBottom 29%
- EBITDA / enterprise valueTop 46%
- Sales / enterprise valueBottom 22%
- P/E vs own 5-year history (lower is better)Bottom 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 28%
- 6-month returnTop 36%
- 1-year return vs S&P 500Top 25%
- Distance from 52-week highTop 19%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 43%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 21%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 47%
- Maximum drawdown, 3 yearsTop 23%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Top 13%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.4% | 24.0% | ↑ |
| EPS growth (YoY) | 5.7% | 11.1% | ↑ |
| Gross margin | 69.2% | 74.1% | ↑ |
| Operating margin | 36.2% | 34.5% | ↓ |
| FCF margin | 24.1% | 14.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 24.0% | 14.4% | ↑ | Top 19% |
| EPS growth (TTM, YoY) | 11.1% | 5.7% | ↑ | Bottom 39% |
| Gross margin | 74.1% | 69.2% | ↑ | Top 27% |
| Operating margin | 34.5% | 36.2% | ↓ | Top 21% |
| Net margin | 27.8% | 29.4% | ↓ | — |
| Free-cash-flow margin | 14.6% | 24.1% | ↓ | — |
| Return on invested capital | 8.4% | — | Top 19% | |
| Revenue growth, 3-year CAGR | 22.5% | — | Top 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.71×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.50×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.20%
- Net buyback yield (TTM)
- 1.35%
- Shareholder yield
- 2.55%
- Share count change, 1 year
- +12.6%
- Share count change, 3-year CAGR
- +2.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +3.6%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $161.00
- Target vs current price
- +5.5%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +7.5% | -0.2% | +2.0% | +7.6% | — |
| Apr 16, 2026 | -6.7% | +0.0% | -2.6% | +0.6% | +3.0% |
| Jan 22, 2026 | +10.5% | +0.1% | +0.1% | +4.6% | +3.8% |
| Oct 21, 2025 | +3.2% | +2.2% | +5.2% | -2.7% | +4.3% |
| Jul 18, 2025 | -5.0% | +0.3% | +1.9% | -1.6% | +0.7% |
| Apr 15, 2025 | +12.3% | +2.1% | +10.7% | +16.1% | +20.1% |
| Feb 28, 2025 | — | +1.2% | -2.1% | -0.1% | +10.6% |
| Oct 15, 2024 | +4.4% | +1.9% | +2.6% | +20.9% | +4.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $2.45 | $2.28 | +7.5% | $65.0M |
| Apr 16, 2026 | $2.24 | $2.40 | -6.7% | $63.7M |
| Jan 22, 2026 | $2.00 | $1.81 | +10.5% | $45.0M |
| Oct 21, 2025 | $1.91 | $1.85 | +3.2% | $42.9M |
| Jul 18, 2025 | $1.71 | $1.80 | -5.0% | $40.6M |
| Apr 15, 2025 | $1.82 | $1.62 | +12.3% | $41.9M |
| Feb 28, 2025 | $1.75 | — | — | $58.4M |
| Oct 15, 2024 | $1.65 | $1.58 | +4.4% | $39.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 19.8× | 13.3× | 90th | Bottom 42% |
| P/E (forward) | 15.3× | — | — | — |
| EV / EBITDA | 14.4× | — | — | Top 46% |
| EV / Sales | 5.32× | — | — | Bottom 22% |
| Free-cash-flow yield | 2.49% | — | — | Bottom 29% |
| Earnings yield | 5.04% | — | — | Bottom 42% |
P/E over the past five years
Range 10.5× – 20.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +25.2%
- Earnings per share growth (TTM)
- +11.1%
- Change in P/E multiple
- +18.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 535
- 50-day average slope (20 days)
- +1.1%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +6.7%
- RSI (14)
- 52.3
- Relative volume
- 0.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.1%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -3.7%
- Maximum drawdown, 3 years
- -16.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2022 | Apr 25, 2023 | -33.2% | 102 days | 387 days (Nov 6, 2024) |
| Feb 9, 2026 | Mar 20, 2026 | -14.2% | 28 days | 70 days (Jul 1, 2026) |
| Dec 11, 2024 | Jan 10, 2025 | -13.9% | 19 days | 69 days (Apr 22, 2025) |
| Jul 23, 2025 | Aug 7, 2025 | -12.7% | 11 days | 41 days (Oct 6, 2025) |
| Mar 19, 2021 | Sep 16, 2021 | -12.6% | 125 days | 194 days (Jun 24, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.71B
- P/E (TTM)
- 19.8
- EPS, diluted (TTM)
- $7.69
- Revenue (TTM)
- $291.5M
- Dividend yield
- 1.38%
- 52-week range
- $119.08 – $159.10
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $116.8M | $130.8M | $186.5M | $223.2M | $240.4M |
| Gross profit | $105.4M | $116.1M | $132.8M | $155.4M | $169.1M |
| Operating income | $60.0M | $59.6M | $98.8M | $79.5M | $88.2M |
| Net income | $45.4M | $45.2M | $74.5M | $65.6M | $71.5M |
| EPS (diluted) | $5.90 | $5.56 | $7.26 | $6.50 | $7.23 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $57.9M | $58.4M | $60.5M | $58.5M | $60.1M | $61.4M | $84.3M | $85.7M |
| Net income | $16.6M | $17.5M | $18.2M | $16.9M | $18.0M | $18.4M | $20.0M | $24.7M |
| EPS (diluted) | $1.65 | $1.74 | $1.82 | $1.71 | $1.83 | $1.87 | $1.78 | $2.21 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $40.3M | $40.0M | $52.9M | $65.8M | $62.5M |
| Capital expenditure | -$8.7M | -$6.9M | -$13.5M | -$7.2M | -$11.4M |
| Free cash flow | $31.6M | $33.1M | $39.5M | $58.6M | $51.0M |
| Dividends paid | -$8.7M | -$7.8M | -$12.0M | -$15.6M | -$52.5M |
| Net share buybacks | -$8.2M | -$14.2M | -$9.9M | -$31.7M | -$21.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $875.2M
- Total assets
- $5.95B
- Total liabilities
- $5.13B
- Total debt
- $104.8M
- Net debt
- -$161.7M
- Shareholders’ equity
- $819.3M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 23, 2026 | $0.60 | Oct 7, 2026 |
| Jun 24, 2026 | $0.55 | Jul 8, 2026 |
| Mar 25, 2026 | $0.50 | Apr 8, 2026 |
| Dec 24, 2025 | $0.45 | Jan 7, 2026 |
| Sep 24, 2025 | $0.45 | Oct 8, 2025 |
| Jun 25, 2025 | $0.45 | Jul 9, 2025 |
| May 9, 2025 | $3.50 | May 16, 2025 |
| Mar 26, 2025 | $0.45 | Apr 9, 2025 |
Short interest
- Shares sold short
- 652,284
- Days to cover
- 9.41
- Change vs previous report
- +4.8%
FINRA short interest, settlement date Sep 15, 2026.