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Upturn AI SWOT - About
Bank First National Corp (BFC)
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Upturn Advisory Summary
08/28/2025: BFC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $141
1 Year Target Price $141
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.29% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.28B USD | Price to earnings Ratio 18.81 | 1Y Target Price 141 |
Price to earnings Ratio 18.81 | 1Y Target Price 141 | ||
Volume (30-day avg) 2 | Beta 0.4 | 52 Weeks Range 81.83 - 132.59 | Updated Date 08/28/2025 |
52 Weeks Range 81.83 - 132.59 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.34% | Basic EPS (TTM) 6.92 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.69% | Operating Margin (TTM) 53.24% |
Management Effectiveness
Return on Assets (TTM) 1.63% | Return on Equity (TTM) 11.28% |
Valuation
Trailing PE 18.81 | Forward PE - | Enterprise Value 1281583232 | Price to Sales(TTM) 7.71 |
Enterprise Value 1281583232 | Price to Sales(TTM) 7.71 | ||
Enterprise Value to Revenue 8.63 | Enterprise Value to EBITDA - | Shares Outstanding 9834020 | Shares Floating 8832229 |
Shares Outstanding 9834020 | Shares Floating 8832229 | ||
Percent Insiders 9.34 | Percent Institutions 34.13 |
Upturn AI SWOT
Bank First National Corp
Company Overview
History and Background
Bank First National Corp. was founded in 1894. The company has grown through organic expansion and acquisitions, focusing on providing community banking services in Wisconsin.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and households.
- Wealth Management: Provides investment management, financial planning, and trust services.
- Insurance Services: Offers various insurance products to clients.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to obtain specifically but Bank First competes with other regional and national banks for these loans. Competitors include Associated Bank, US Bancorp, and Wells Fargo.
- Mortgage Loans: Loans to individuals for purchasing homes. Competitors are larger national banks like JP Morgan Chase, US Bancorp, Wells Fargo and smaller credit unions and community banks.
- Deposit Accounts: Checking, savings, and money market accounts. The market share in Wisconsin is distributed among many banks. Competitors include Associated Bank, BMO Harris Bank, and US Bank.
- Wealth Management Services: Investment management and financial planning. Competitors include Baird, Robert W. Baird & Co. Incorporated, Morgan Stanley, and local investment firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased competition from fintech companies, and evolving regulatory requirements.
Positioning
Bank First National Corp is a community-focused bank with a strong presence in Wisconsin. Its competitive advantages include its local market knowledge and personalized customer service. The bank operates primarily in Wisconsin.
Total Addressable Market (TAM)
The total addressable market for banking services in Wisconsin is estimated to be in the billions of dollars. Bank First National Corp is positioned to capture a portion of this market through its branch network, digital channels, and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Personalized customer service
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on interest income
- Higher cost structure compared to larger banks
Opportunities
- Expansion into new markets in Wisconsin
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Associated Banc-Corp (ASB)
- U.S. Bancorp (USB)
- BMO Financial Group (BMO)
Competitive Landscape
Bank First's advantage lies in personalized service and strong community ties. Disadvantages include smaller scale and limited geographic reach compared to larger national banks.
Major Acquisitions
Osaukee Bancshares, Inc.
- Year: 2022
- Acquisition Price (USD millions): 119.9
- Strategic Rationale: Acquisition expanded the company's presence into new market areas and broadened its customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions of other community banks.
Future Projections: Future growth is expected to be driven by continued expansion in Wisconsin and increased adoption of digital banking services. Analyst estimates vary depending on economic conditions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
Bank First National Corp. is a strong community bank with a solid presence in Wisconsin, focusing on personalized customer service and conservative lending practices. Its smaller scale and limited diversification pose challenges. However, growth opportunities exist through digital banking and strategic acquisitions and the company should remain cautious to competitive challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data provided is based on publicly available information and analyst estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank First National Corp
Exchange NASDAQ | Headquaters Manitowoc, WI, United States | ||
IPO Launch date 2002-01-29 | CEO & Chairman of the Board Mr. Michael B. Molepske | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 368 | Website https://www.bankfirst.com |
Full time employees 368 | Website https://www.bankfirst.com | ||
Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, and consumers, in Wisconsin. It offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. 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 also provides credit cards; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. 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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