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Upturn AI Summary - About
Bank First National Corp(BFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BFC
09/23/2026: BFC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Bank First National Corp is a regional financial institution serving Wisconsin and the Midwest through a blend of community, commercial, and wealth management services. The stock is best suited for value and dividend-focused investors who value long-term stability over high-growth volatility. Its primary strength lies in a deep-rooted local presence and a loyal deposit base that supports consistent lending. However, investors must monitor risks related to geographic concentration, interest rate fluctuations, and intensifying competition from digital-first banks. While the bank has a history of steady performance and strategic acquisitions, its future success depends on managing the balance between local relationship banking and the rising demand for digital financial solutions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company's growth is steady and methodical rather than aggressive. |
| Momentum investor | Weak fit | Bank stocks generally rely on long-term trends rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at valuations that may appeal to value-oriented investors seeking regional banking exposure. |
| Dividend investor | Strong fit | The consistent history of dividend payments makes this suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a regulated regional bank, it offers a more stable risk profile compared to volatile growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate announcements and economic data. |
| Valuation risk | Medium | Market pricing of regional banks often shifts based on broader sector sentiment. |
| Competition risk (Banking services) | Medium / high | Competition from larger institutions and digital entrants pressures net interest margins. |
| Business quality | Strong | The bank maintains solid credit quality and a loyal customer base. |
| Dividend income | Medium | Dividend sustainability depends on profitability and regulatory capital constraints. |
| Execution risk | Medium | Successful growth relies on effectively integrating acquisitions and managing local market lending. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -9.11% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.67B USD | Price to earnings Ratio 19.64 | 1Y Target Price 163 |
Price to earnings Ratio 19.64 | 1Y Target Price 163 | ||
Volume (30-day avg) 68.9K shares | Beta 0.4 | 52 Weeks Range 117.31 - 158.47 | Updated Date 09/22/2026 |
52 Weeks Range 117.31 - 158.47 | Updated Date 09/22/2026 | ||
Dividends yield (FY) 1.29% | Basic EPS (TTM) 7.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | This is the primary way the bank profits from traditional lending activities. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | These represent diversified revenue streams beyond interest rate spreads. |
| Geography: Wisconsin & Midwest | Loan and deposit operations across the bank's physical branch network. | The bank's success is tied heavily to the economic health of the Midwestern US. |
Valuation
Trailing PE 19.64 | Forward PE 5.81 | Enterprise Value 1.51B | Price to Sales(TTM) 7.7 |
Enterprise Value 1.51B | Price to Sales(TTM) 7.7 | ||
Enterprise Value to Revenue 8.31 | Enterprise Value to EBITDA - | Shares Outstanding 11.09M | Shares Floating 9.93M |
Shares Outstanding 11.09M | Shares Floating 9.93M | ||
Percent Insiders 10.33 | Percent Institutions 38.95 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Bank First National Corp
Exchange NASDAQ | Headquarters 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 554 | Website https://www.bankfirst.com |
Full time employees 554 | 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 also provides 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. In addition, it 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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