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Upturn AI SWOT - About
Bank First National Corp (BFC)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $122.5
1 Year Target Price $122.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.23% | Avg. Invested days 49 | 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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 17.4 | 1Y Target Price 122.5 |
Price to earnings Ratio 17.4 | 1Y Target Price 122.5 | ||
Volume (30-day avg) 2 | Beta 0.39 | 52 Weeks Range 75.81 - 119.89 | Updated Date 06/29/2025 |
52 Weeks Range 75.81 - 119.89 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.52% | 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 17.4 | Forward PE - | Enterprise Value 1020977792 | Price to Sales(TTM) 7.19 |
Enterprise Value 1020977792 | Price to Sales(TTM) 7.19 | ||
Enterprise Value to Revenue 8.27 | 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 2 | Target Price 122.5 | 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 in Manitowoc, Wisconsin, as a state-chartered bank. Over its history, it has grown through organic expansion and strategic acquisitions, evolving into a significant regional financial institution.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust services, and financial planning for individuals and families.
- Insurance Services: Provides insurance products and services to individuals and businesses.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure includes various departments, such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide loans to businesses. Competitors include other regional and national banks. Market share information is unavailable without access to proprietary databases.
- Residential Mortgages: Offers mortgage financing to individuals and families. Competitors include national mortgage lenders. Market share information is unavailable without access to proprietary databases.
- Wealth Management Services: Provide financial planning and investment management. Competitors include national brokerage firms. Market share information is unavailable without access to proprietary databases.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, fluctuating interest rates, and increasing competition from fintech companies.
Positioning
Bank First National Corp is a regional bank with a focus on community banking and personalized service. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services is very large. Bank First National Corp is positioned to compete based on relationship banking.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Sound financial performance
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on regional economy
- Lower brand recognition compared to larger banks
Opportunities
- Expanding into new markets
- Developing new digital banking services
- Acquiring smaller banks
- Capitalizing on the fintech disruption
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturns impacting loan demand
- Rising interest rates increasing borrowing costs
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- BOH (BOH)
- FCNCA (FCNCA)
- WSFS (WSFS)
Competitive Landscape
Bank First National Corp competes with larger national banks and smaller community banks. Its competitive advantages include strong customer relationships and local market expertise. Disadvantages include limited geographic reach and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be analyzed without access to detailed financial data.
Future Projections: Future projections cannot be provided without analyst estimates.
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, and technology upgrades, details are unavailable without more info.
Summary
Bank First National Corp is a regional bank with a solid foundation in community banking. Its strengths lie in its customer relationships and local market expertise. The company faces challenges from larger banks and fintech competitors, which is why it needs to adapt its technology and consider strategic acquisitions to expand its reach and improve its efficiency.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information, general knowledge of the banking industry.
Disclaimers:
This analysis is based on limited publicly available information and general industry knowledge. It should not be considered 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 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.
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