Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Bank First National Corp (BFC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/20/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 9.17% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.10B USD | Price to earnings Ratio 16.29 | 1Y Target Price 120.5 |
Price to earnings Ratio 16.29 | 1Y Target Price 120.5 | ||
Volume (30-day avg) 83072 | Beta 0.39 | 52 Weeks Range 73.72 - 117.34 | Updated Date 06/22/2025 |
52 Weeks Range 73.72 - 117.34 | Updated Date 06/22/2025 | ||
Dividends yield (FY) 1.63% | Basic EPS (TTM) 6.81 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.84% | Operating Margin (TTM) 55.93% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 10.88% |
Valuation
Trailing PE 16.29 | Forward PE - | Enterprise Value 946396480 | Price to Sales(TTM) 6.78 |
Enterprise Value 946396480 | Price to Sales(TTM) 6.78 | ||
Enterprise Value to Revenue 7.79 | Enterprise Value to EBITDA - | Shares Outstanding 9917720 | Shares Floating 8914249 |
Shares Outstanding 9917720 | Shares Floating 8914249 | ||
Percent Insiders 9.26 | Percent Institutions 33.3 |
Analyst Ratings
Rating 4 | Target Price 120.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bank First National Corp
Company Overview
History and Background
Bank First National Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin. It operates as the bank holding company for Bank First, which provides banking products and services to individuals and businesses in Wisconsin. Throughout its history, the bank has focused on community banking and building strong customer relationships.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Agricultural Lending: Provides specialized lending products to farmers and agricultural businesses.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is based on functional departments, including lending, operations, and finance, reporting to the executive management team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. Market share data is not publicly available for Bank First specifically, but it competes with larger regional and national banks. Competitors include Associated Banc-Corp (ASB), US Bancorp (USB), and BMO Harris Bank.
- Mortgages: Residential mortgages for home purchase and refinance. Market share data is not publicly available for Bank First, but it competes with other local and national mortgage lenders. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Rocket Mortgage.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is fragmented and varies by location. Competitors include Chase (JPM), US Bank (USB) and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. Consolidation is ongoing, and banks are focusing on improving efficiency and customer experience.
Positioning
Bank First positions itself as a community bank focused on building long-term relationships with its customers. Its competitive advantages include local market knowledge, personalized service, and a strong reputation.
Total Addressable Market (TAM)
The TAM for community banking in Wisconsin and surrounding areas is estimated to be in the billions of dollars. Bank First is well-positioned to capture a share of this market due to its established presence and customer base.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Solid financial performance
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking products
- Potential impact of increased competition from fintech companies
- Higher operating costs than larger competitors
Opportunities
- Expand into new markets
- Develop new digital banking products
- Acquire smaller banks or credit unions
- Increase focus on wealth management services
Threats
- Rising interest rates
- Economic downturn
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ASB
- USB
- HBAN
Competitive Landscape
Bank First competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include local market knowledge and personalized service, while its disadvantages include limited geographic reach and fewer resources.
Major Acquisitions
Hilbert Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 45.1
- Strategic Rationale: Expanding market share in Wisconsin through strategic acquisition.
Growth Trajectory and Initiatives
Historical Growth: Bank First has experienced steady growth over the past years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts estimate that Bank First will continue to grow at a moderate pace in the coming years, driven by its strong local market presence and focus on customer service.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in digital banking technology, and enhancing its wealth management services.
Summary
Bank First National Corp is a financially stable community bank with a long history of serving Wisconsin. Its strengths lie in its local market presence and customer relationships. However, it faces threats from larger banks and fintech companies. Future growth depends on strategic expansion and investment in digital technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Analyst Reports
- FDIC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and TAM estimates are approximations. Actual results may vary.
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 362 | Website https://www.bankfirst.com |
Full time employees 362 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.