BFC:NSD-Bank First Corporation (USD)

COMMON STOCK | Banks—Regional | NSD

Last Closing Price

USD 58.49

Change

+1.27 (+2.22)%

Market Cap

USD 0.44B

Volume

2.90K

Average Target Price

USD 60.00 (+2.58%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to individuals and businesses in Wisconsin. The company offers demand, time, and savings deposits; checking, savings, money market, cash management, retirement, and health savings accounts; 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. It also provides credit cards; ATM processing; insurance; data processing and information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. It operates through 22 branches in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, Jefferson, and Barron counties in Wisconsin. 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-29 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.01 (-0.04%)

USD29.50B 6.16 N/A
FITBI Fifth Third Bancorp

+0.02 (+0.07%)

USD18.93B 7.42 N/A
FITB Fifth Third Bancorp

-0.35 (-1.64%)

USD14.58B 10.11 N/A
HBANO Huntington Bancshares Incorpor..

+0.06 (+0.23%)

USD13.36B 17.76 N/A
SIVB SVB Financial Group

-0.39 (-0.16%)

USD11.88B 13.12 N/A
HBAN Huntington Bancshares Incorpor..

-0.07 (-0.77%)

USD9.28B 10.97 N/A
PBCTP People's United Financial, Inc

+0.56 (+2.04%)

USD6.66B 18.20 N/A
CBSH Commerce Bancshares, Inc

-0.44 (-0.79%)

USD6.23B 20.27 N/A
CBSHP Commerce Bancshares, Inc

N/A

USD6.10B 6.98 N/A
ZION Zions Bancorporation, National..

-0.41 (-1.40%)

USD4.82B 11.33 N/A

ETFs Containing BFC

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -16.45% 88% B+ 41% F
Dividend Return 0.86% 10% F 30% F
Total Return -15.60% 86% B 41% F
Trailing 12 Months  
Capital Gain -9.58% 87% B+ 43% F
Dividend Return 1.24% 10% F 31% F
Total Return -8.35% 85% B 42% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 5.17% N/A N/A 54% F
Dividend Return 0.67% N/A N/A 16% F
Total Return 5.84% N/A N/A 51% F
Risk Return Profile  
Volatility (Standard Deviation) 16.63% N/A N/A 77% C+
Risk Adjusted Return 35.15% N/A N/A 58% F
Market Capitalization 0.44B 65% D 57% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.84 18% F 59% F
Price/Book Ratio 1.59 4% F 58% F
Price / Cash Flow Ratio 19.53 6% F 16% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 12.86% 88% B+ 83% B
Return on Invested Capital 11.63% 84% B 83% B
Return on Assets 1.33% 87% B+ 63% D
Debt to Equity Ratio 29.72% 43% F 56% F
Technical Ratios  
Short Ratio 34.65 1% F 1% F
Short Percent 4.57% 6% F 42% F
Beta 0.39 90% A- 86% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector