Bank First Corporation Common Stock (BFC)

FairStock Score: 46/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a bank that earns a solid return on equity and can be bought at a sensible price relative to book value. Bank First reported in fiscal Q2 2026, the quarter ended 2026-06-30, net income of $24.7M and diluted EPS of $2.21, up from $16.9M and $1.71 in fiscal Q2 2025, the quarter ended 2025-06-30. For fiscal year 2025, the year ended 2025-12-31, net income was $71.5M and diluted EPS $7.23, against $65.6M and $6.50 in fiscal year 2024, the year ended 2024-12-31; fiscal year 2023, the year ended 2023-12-31, was $74.5M and $7.28, so annual earnings have not moved in a straight line. At the 2026-10-13 close of $146.41, FairStock calculations show a P/E of 19.04, P/B of 1.98, ROE of 11.32%, PEG of 1.99, and Piotroski F-Score of 6/9. The Lynch category is STALWART — steady growth: profit 13.4% a year over 5 years. A beta of 0.41 and a 1.64% dividend yield offer mild defense. But a bank at about 2x book with an 11.3% ROE is not obviously cheap, and the 46/100 FairStock Score suggests only average attraction. Filed revenue is not available, and CET1, NIM, and combined ratio are not in the data, so I cannot fully judge capital, margin, or credit risk. I see a decent regional franchise, but not a bargain.

In plain English: Bank First is a Wisconsin bank holding company that takes deposits and makes loans to consumers and businesses. It is profitable, and earnings improved in the latest reported quarter, but the stock price looks full compared with its profits and accounting value. Important details about loan quality and bank capital are missing, so the picture is incomplete.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer