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BFC
Upturn stock ratingUpturn stock rating

Bank First National Corp (BFC)

Upturn stock ratingUpturn stock rating
$117.65
Last Close (24-hour delay)
Profit since last BUY10.11%
upturn advisory
Consider higher Upturn Star rating
BUY since 48 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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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

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$122.5Target price
Low$75.81
Current$117.65
high$119.89

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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 -

ai summary icon Upturn AI SWOT

Bank First National Corp

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 362

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.