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Upturn AI SWOT - About
Bank First National Corp (BFC)
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Upturn Advisory Summary
09/16/2025: 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 11.13% | Avg. Invested days 47 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.26B USD | Price to earnings Ratio 18.41 | 1Y Target Price 141 |
Price to earnings Ratio 18.41 | 1Y Target Price 141 | ||
Volume (30-day avg) 2 | Beta 0.42 | 52 Weeks Range 82.31 - 132.59 | Updated Date 09/15/2025 |
52 Weeks Range 82.31 - 132.59 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.37% | Basic EPS (TTM) 6.81 |
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 18.41 | Forward PE - | Enterprise Value 1234576512 | Price to Sales(TTM) 7.57 |
Enterprise Value 1234576512 | Price to Sales(TTM) 7.57 | ||
Enterprise Value to Revenue 8.48 | Enterprise Value to EBITDA - | Shares Outstanding 9834020 | Shares Floating 8833901 |
Shares Outstanding 9834020 | Shares Floating 8833901 | ||
Percent Insiders 9.32 | Percent Institutions 34.38 |
Upturn AI SWOT
Bank First National Corp
Company Overview
History and Background
Bank First National Corp. was founded in Manitowoc, Wisconsin. It has grown through organic expansion and strategic acquisitions, focusing on community banking services.
Core Business Areas
- Commercial Banking: Provides loans, lines of credit, and other financial services to businesses.
- Retail Banking: Offers deposit accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides investment advisory and trust services to individuals and businesses.
Leadership and Structure
The leadership team consists of experienced banking professionals with a focus on local community development. The organizational structure is hierarchical with regional branch management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. The community bank market is fragmented, with many local competitors. Competitors include large national banks and other regional banks.
- Mortgages: Home loans for purchase or refinance. Market share is influenced by local housing market conditions and interest rates. Competitors include national mortgage lenders, credit unions, and other local banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competition is high, with many options for consumers and businesses to choose from. Competitors include online banks, credit unions, and other local banks.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and increasing competition from fintech companies.
Positioning
Bank First National Corp. positions itself as a community-focused bank with a strong local presence and personalized service. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM includes all individuals and businesses in the communities they serve. Bank First National Corp. is positioned to capture a significant share of this market through its strong local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong community relationships
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Lower technology budget compared to larger players
Opportunities
- Expanding into new markets
- Offering new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller community banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- C
Competitive Landscape
Bank First National Corp faces stiff competition from larger national banks and other regional players. Its advantages include a strong local presence and personalized customer service, while its disadvantages include limited geographic reach and smaller scale.
Major Acquisitions
Hometown Bancorp, Ltd.
- Year: 2023
- Acquisition Price (USD millions): 132.5
- Strategic Rationale: Expanded Bank First's presence into the Northeast Wisconsin market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be moderate, driven by continued expansion in existing markets and potential new market entries.
Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.
Summary
Bank First National Corp. is a community-focused bank with a strong local presence, which provides a competitive edge. Its reliance on the local economy poses a risk. Recent acquisitions are positive strategic moves. Continued investment in technology is vital for staying competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated.
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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