Bank First Corp (BFC)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-30
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018
Total Revenue44,924,000$44,206,000$41,623,000$43,125,000$40,074,000$40,776,000$38,884,000$37,746,000$75,374,000$39,312,000$38,826,000$38,083,000$34,518,000$32,713,000$29,031,000$27,524,000$28,751,000$27,965,000$28,461,000$28,446,000$31,215,000$28,040,000$28,560,000$22,540,000$21,991,000$23,458,000$18,110,000$18,740,000$18,066,000$18,044,000$18,795,000$19,725,000$17,020,000$12,888,000$
QoQ%1.62%6.21%(3.48%)7.61%(1.72%)4.87%3.02%(49.92%)91.73%1.25%1.95%10.33%5.52%12.68%5.48%(4.27%)2.81%(1.74%).05%(8.87%)11.32%(1.82%)26.71%2.50%(6.25%)29.53%(3.36%)3.73%.12%(4.00%)(4.72%)15.89%32.06%
YoY%12.10%8.41%7.04%14.25%(46.83%)3.72%.15%(.89%)118.36%20.17%33.74%38.36%20.06%16.98%2.00%(3.24%)(7.89%)(.27%)(.35%)26.20%41.94%19.53%57.70%20.28%21.73%30.00%(3.65%)(4.99%)6.15%40.01%
Cost Of Revenue0$650,000$200,000$400,000$(1,000,000$)0$0$200,000$500,000$0$0$4,182,000$500,000$0$500,000$1,200,000$600,000$650,000$950,000$900,000$1,650,000$1,350,000$3,150,000$975,000$1,125,000$3,000,000$500,000$625,000$750,000$800,000$900,000$485,000$420,000$255,000$
Gross Profit44,924,000$43,556,000$41,423,000$42,725,000$41,074,000$40,776,000$38,884,000$37,546,000$74,874,000$39,312,000$38,826,000$33,901,000$34,018,000$32,713,000$28,531,000$26,324,000$28,151,000$27,315,000$27,511,000$27,546,000$29,565,000$26,690,000$25,410,000$21,565,000$20,866,000$20,458,000$17,610,000$18,115,000$17,316,000$17,244,000$17,895,000$19,240,000$16,600,000$12,633,000$
Gross Margin100.00%98.53%99.52%99.07%102.50%100.00%100.00%99.47%99.34%100.00%100.00%89.02%98.55%100.00%98.28%95.64%97.91%97.68%96.66%96.84%94.71%95.19%88.97%95.67%94.88%87.21%97.24%96.67%95.85%95.57%95.21%97.54%97.53%98.02%
Operating Expenses22,012,000$21,086,000$20,756,000$20,604,000$19,286,000$20,100,000$19,057,000$20,324,000$28,862,000$19,647,000$19,946,000$19,664,000$17,254,000$18,749,000$13,219,000$12,731,000$13,435,000$12,469,000$12,294,000$12,358,000$13,972,000$12,202,000$14,438,000$12,741,000$11,182,000$12,087,000$9,955,000$9,536,000$9,893,000$9,708,000$10,064,000$9,977,000$10,418,000$6,985,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses16,470,000$17,203,000$17,873,000$18,511,000$18,193,000$18,149,000$16,340,000$15,923,000$15,747,000$12,931,000$11,657,000$8,668,000$5,132,000$3,047,000$2,340,000$1,930,000$1,812,000$1,964,000$2,189,000$2,339,000$2,623,000$3,003,000$3,586,000$4,653,000$5,015,000$5,176,000$4,784,000$4,523,000$4,240,000$3,974,000$3,604,000$3,027,000$2,298,000$1,997,000$
Income Before Tax22,912,000$22,470,000$20,667,000$22,121,000$21,788,000$20,676,000$19,827,000$17,222,000$46,012,000$19,665,000$18,880,000$14,237,000$16,764,000$13,964,000$15,312,000$13,593,000$14,716,000$14,846,000$15,217,000$15,188,000$15,593,000$14,488,000$10,972,000$8,824,000$9,684,000$8,371,000$7,655,000$8,579,000$7,423,000$7,536,000$7,831,000$9,263,000$6,182,000$5,648,000$
Tax Expenses4,522,000$4,480,000$3,792,000$3,880,000$4,248,000$4,124,000$3,768,000$1,810,000$11,114,000$4,861,000$4,748,000$3,557,000$3,920,000$3,431,000$3,658,000$3,410,000$3,553,000$3,628,000$3,669,000$3,673,000$4,063,000$3,534,000$2,676,000$1,558,000$2,225,000$1,712,000$1,666,000$1,992,000$1,362,000$1,604,000$1,431,000$2,200,000$2,904,000$1,818,000$
Net Income18,390,000$17,990,000$16,875,000$18,241,000$17,540,000$16,552,000$16,059,000$15,412,000$34,898,000$14,804,000$14,132,000$10,680,000$12,844,000$10,533,000$11,654,000$10,183,000$11,164,000$11,218,000$11,548,000$11,514,000$11,530,000$10,954,000$8,296,000$7,266,000$7,459,000$6,659,000$5,989,000$6,587,000$6,061,000$5,932,000$6,400,000$7,063,000$3,278,000$3,830,000$
Profit Margin40.94%40.70%40.54%42.30%43.77%40.59%41.30%40.83%46.30%37.66%36.40%28.04%37.21%32.20%40.14%37.00%38.83%40.11%40.58%40.48%36.94%39.07%29.05%32.24%33.92%28.39%33.07%35.15%33.55%32.88%34.05%35.81%19.26%29.72%
TTM41.12%41.80%41.79%42.00%41.63%43.01%42.43%41.43%38.89%34.80%33.43%34.03%36.53%36.89%39.04%39.14%40.00%39.46%39.21%36.38%34.48%33.60%30.74%31.79%32.44%32.28%33.68%33.92%34.11%30.81%30.06%
Earnings to Minority88,000$86,000$80,000$91,000$92,000$87,000$84,000$84,000$197,000$83,000$80,000$64,000$83,000$76,000$93,000$79,000$85,000$88,000$92,000$88,000$85,000$82,000$65,000$56,000$52,000$48,000$52,000$52,000$(1,000$)1,000$
Earnings to Common Shareholders18,302,000$17,904,000$16,795,000$18,150,000$17,448,000$16,465,000$15,975,000$15,328,000$34,701,000$14,721,000$14,052,000$10,616,000$12,761,000$10,457,000$11,561,000$10,104,000$11,079,000$11,130,000$11,456,000$11,426,000$11,445,000$10,872,000$8,231,000$7,210,000$7,407,000$6,611,000$5,937,000$6,535,000$6,061,000$5,932,000$6,400,000$7,063,000$3,278,000$3,830,000$
QoQ%2.22%6.60%(7.47%)4.02%5.97%3.07%4.22%(55.83%)135.72%4.76%32.37%(16.81%)22.03%(9.55%)14.42%(8.80%)(.46%)(2.85%).26%(.17%)5.27%32.09%14.16%(2.66%)12.04%11.35%(9.15%)7.82%2.18%(7.31%)(9.39%)115.47%(14.41%)
YoY%4.90%8.74%5.13%18.41%(49.72%)11.85%13.69%44.39%171.93%40.78%21.55%5.07%15.18%(6.05%).92%(11.57%)(3.20%)2.37%39.18%58.47%54.52%64.45%38.64%10.33%22.21%11.45%(7.23%)(7.48%)84.90%54.88%
Earnings Per Share, Basic1.87$1.83$1.70$1.82$1.75$1.65$1.59$1.51$3.36$1.42$1.36$1.09$1.42$1.27$1.55$1.34$1.46$1.46$1.50$1.49$1.49$1.42$1.11$1.03$0.00$0.95$0.91$0.00$0.91$0.89$0.96$1.05$0.50$0.62$
Earnings Per Share, Diluted1.86$1.83$1.70$1.82$1.75$1.65$1.59$1.50$3.35$1.42$1.36$1.09$1.42$1.27$1.55$1.34$1.46$1.46$1.49$1.49$1.49$1.41$1.11$1.01$0.00$0.93$0.89$0.00$0.91$0.00$0.00$0.00$0.50$0.62$
Unlevered FCF Per Share, Basic2.69$1.27$0.84$0.40$2.75$1.70$1.37$0.05$1.76$1.25$0.68$0.15$2.06$0.80$0.89$0.20$1.29$1.57$0.64$0.64$2.45$0.19$2.61$(0.55$)0.00$0.79$0.33$0.00$1.67$0.67$(0.82$)1.69$
Unlevered FCF Per Share, Diluted2.68$1.27$0.83$0.40$2.74$1.70$1.37$0.05$1.75$1.25$0.68$0.14$2.05$0.80$0.89$0.20$1.29$1.57$0.64$0.64$2.44$0.19$2.60$(0.55$)0.00$0.78$0.32$0.00$1.67$0.00$0.00$1.69$
Average Shares, Basic9,783,7419,787,2759,854,3069,950,9709,956,1399,959,55610,025,97710,177,93210,316,15210,330,77910,331,7259,714,1848,962,4008,205,9147,457,4437,540,2637,570,1287,605,5417,653,3177,657,3017,667,5637,673,5727,395,1997,028,690-6,508,620,7976,985,7676,525,0266,522,186,0006,647,5866,661,3376,672,3446,714,3476,612,1146,151,737
Average Shares, Diluted9,818,9439,808,6949,868,7399,972,1529,996,4939,980,54410,039,86210,201,37310,357,89710,353,62110,346,5759,737,8798,993,6858,228,1977,472,5617,559,2197,595,0527,624,7917,668,7407,677,9767,698,7417,691,3267,405,9957,128,246-6,562,568,9107,107,7556,644,6916,576,334,0006,647,5866,661,337,0006,672,344,0006,714,347,0006,612,1146,151,737
EBIT39,382,000$39,673,000$38,540,000$40,632,000$39,981,000$38,825,000$36,167,000$33,145,000$61,759,000$32,596,000$30,537,000$22,905,000$21,896,000$17,011,000$17,652,000$15,523,000$16,528,000$16,810,000$17,406,000$17,527,000$18,216,000$17,491,000$14,558,000$13,477,000$14,699,000$13,547,000$12,439,000$13,102,000$11,663,000$11,510,000$11,435,000$12,290,000$8,480,000$7,645,000$
EBITDA39,382,000$39,673,000$38,540,000$40,632,000$39,981,000$38,825,000$36,167,000$33,145,000$61,759,000$32,596,000$30,537,000$22,905,000$21,896,000$17,011,000$17,652,000$15,523,000$16,528,000$16,810,000$17,406,000$17,527,000$18,216,000$17,491,000$14,558,000$13,477,000$14,699,000$13,547,000$12,439,000$13,102,000$11,663,000$11,510,000$11,435,000$12,290,000$8,480,000$7,645,000$