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
Close Price of Common Stock134.01$121.68$120.70$116.12$101.00$99.10$90.59$82.12$85.20$88.73$77.25$83.17$73.31$92.74$77.05$75.72$72.55$71.45$70.45$70.99$73.77$64.90$56.33$63.79$56.00$69.28$66.08$69.25$58.41$46.60$
Market Cap of Common Stock1,501,136,735$1,196,724,382$1,186,966,335$1,151,646,111$1,009,458,539$992,194,849$907,094,366$827,887,032$864,092,095$919,765,508$802,616,608$864,020,063$768,387,769$837,348,625$574,911,965$569,779,749$550,284,713$545,042,474$540,050,749$548,521,060$570,100,031$501,681,608$435,543,785$456,436,275$396,765,992$490,794,532$469,578,357$455,460,366$384,219,403$309,645,769$
QoQ%25.44%.82%3.07%14.09%1.74%9.38%9.57%(4.19%)(6.05%)14.60%(7.11%)12.45%(8.24%)45.65%.90%3.54%.96%.92%(1.54%)(3.79%)13.64%15.19%(4.58%)15.04%(19.16%)4.52%3.10%18.54%24.08%
YoY%48.71%20.61%30.85%39.11%16.82%7.88%13.02%(4.18%)12.46%9.84%39.61%51.64%39.64%53.63%6.46%3.88%(3.48%)8.64%24.00%20.18%43.69%2.22%(7.25%).21%3.27%58.50%
Common Shares Outstanding11,201,6779,834,6239,834,0839,833,4769,973,27610,012,08810,011,42810,031,35010,129,19010,365,13110,379,07110,389,24010,407,1149,021,6979,028,6307,470,2557,570,7667,616,5407,641,7717,688,7957,729,2167,709,4977,729,7627,733,4577,155,9557,084,7287,084,7286,576,1716,577,0456,610,3586,659,0216,672,3446,714,3476,805,6846,151,737
QoQ%13.90%.01%.01%(1.40%)(.39%).01%(.20%)(.97%)(2.28%)(.13%)(.10%)(.17%)15.36%(.08%)20.86%(1.33%)(.60%)(.33%)(.61%)(.52%).26%(.26%)(.05%)8.07%1.01%.00%7.73%(.01%)(.50%)(.73%)(.20%)(.63%)(1.34%)10.63%
YoY%12.32%(1.77%)(1.77%)(1.97%)(1.54%)(3.41%)(3.54%)(3.45%)(2.67%)14.89%14.96%39.08%37.46%18.45%18.15%(2.84%)(2.05%)(1.21%)(1.14%)(.58%)8.01%8.82%9.11%17.60%8.80%7.18%6.39%(1.44%)(2.05%)(2.87%)8.25%
Price to Sales8.63x6.88x7.02x6.95x6.20x6.30x4.71x4.33x4.52x4.80x5.32x5.99x5.72x6.76x4.87x5.03x4.88x4.80x4.65x4.72x4.90x4.55x4.31x4.73x4.61x5.96x5.99x6.24x5.22x4.15x
Price to Earnings21.10x16.82x16.89x16.72x14.84x15.21x11.00x10.26x10.97x12.41x15.39x18.04x16.93x18.66x13.31x12.99x12.57x12.09x11.88x12.14x13.58x13.29x12.92x15.49x14.61x18.53x18.68x18.62x15.41x12.16x
Price to Book2.33x1.86x1.89x1.88x1.56x1.55x1.44x1.35x1.42x1.48x1.39x1.51x1.37x1.85x1.31x1.81x1.73x1.69x1.71x1.76x1.88x1.70x1.52x1.65x1.67x2.13x2.08x2.46x2.14x1.78x
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%
TTM173,878,000$169,028,000$165,598,000$162,859,000$157,480,000$192,780,000$191,316,000$191,258,000$191,595,000$150,739,000$144,140,000$134,345,000$123,786,000$118,019,000$113,271,000$112,701,000$113,623,000$116,087,000$116,162,000$116,261,000$110,355,000$101,131,000$96,549,000$86,099,000$82,299,000$78,374,000$72,960,000$73,645,000$74,630,000$73,584,000$68,428,000$
TTM_QoQ%2.87%2.07%1.68%3.42%(18.31%).77%.03%(.18%)27.10%4.58%7.29%8.53%4.89%4.19%.51%(.81%)(2.12%)(.07%)(.09%)5.35%9.12%4.75%12.14%4.62%5.01%7.42%(.93%)(1.32%)1.42%7.54%
TTM_YoY%10.41%(12.32%)(13.44%)(14.85%)(17.81%)27.89%32.73%42.36%54.78%27.72%27.25%19.21%8.94%1.66%(2.49%)(3.06%)2.96%14.79%20.31%35.03%34.09%29.04%32.33%16.91%10.28%6.51%6.62%
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%
QoQ1.47%(.99%).45%(3.42%)2.50%.00%.53%.13%(.66%).00%10.98%(9.53%)(1.45%)1.72%2.64%(2.27%).24%1.01%(.17%)2.12%(.47%)6.21%(6.70%).79%7.67%(10.03%).57%.82%.28%.36%(2.33%).01%(.49%)
YoY(2.50%)(1.47%)(.48%)(.40%)3.16%.00%.00%10.45%.79%.00%1.72%(6.62%).64%2.32%1.62%(1.20%)3.20%2.49%7.69%1.16%(.17%)7.97%(8.27%)(.99%)(.97%)(8.36%)2.03%(.88%)(1.68%)(2.46%)
Operating Income
QoQ%
YoY%
TTM
TTM_QoQ%
TTM_YoY%
Operating Margin
QoQ
YoY
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$3,830,000$
QoQ%2.22%6.61%(7.49%)4.00%5.97%3.07%4.20%(55.84%)135.73%4.76%32.32%(16.85%)21.94%(9.62%)14.45%(8.79%)(.48%)(2.86%).30%(.14%)5.26%32.04%14.18%(2.59%)12.01%11.19%(9.08%)8.68%2.18%(7.31%)(9.39%)115.47%(14.41%)
YoY%4.85%8.69%5.08%18.36%(49.74%)11.81%13.64%44.31%171.71%40.55%21.26%4.88%15.05%(6.11%).92%(11.56%)(3.17%)2.41%39.20%58.46%54.58%64.50%38.52%10.31%23.07%12.26%(6.42%)(6.74%)84.90%54.88%
TTM71,496,000$70,646,000$69,208,000$68,392,000$65,563,000$82,921,000$81,173,000$79,246,000$74,514,000$52,460,000$48,189,000$45,711,000$45,214,000$43,534,000$44,219,000$44,113,000$45,444,000$45,810,000$45,546,000$42,294,000$38,046,000$33,975,000$29,680,000$27,373,000$26,694,000$25,296,000$24,569,000$24,980,000$25,456,000$22,673,000$20,571,000$
TTM_QoQ%1.20%2.08%1.19%4.32%(20.93%)2.15%2.43%6.35%42.04%8.86%5.42%1.10%3.86%(1.55%).24%(2.93%)(.80%).58%7.69%11.17%11.98%14.47%8.43%2.54%5.53%2.96%(1.65%)(1.87%)12.28%10.22%
TTM_YoY%9.05%(14.80%)(14.74%)(13.70%)(12.01%)58.07%68.45%73.36%64.80%20.50%8.98%3.62%(.51%)(4.97%)(2.91%)4.30%19.45%34.83%53.46%54.51%42.53%34.31%20.80%9.58%4.86%11.57%19.44%
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%
QoQ.24%.15%(1.76%)(1.47%)3.18%(.71%).47%(5.47%)8.64%1.26%8.35%(9.17%)5.01%(7.95%)3.15%(1.83%)(1.28%)(.46%).10%3.54%(2.13%)10.02%(3.19%)(1.68%)5.53%(4.68%)(2.08%)1.60%.67%(1.18%)(1.76%)16.55%(10.46%)
YoY(2.83%).10%(.76%)1.47%(2.53%)2.94%4.90%12.79%9.09%5.46%(3.75%)(8.95%)(1.62%)(7.92%)(.43%)(3.48%)1.89%1.05%11.53%8.24%3.02%10.68%(4.02%)(2.91%).37%(4.49%)(.98%)(.66%)14.29%3.16%
Equity to Common Shareholders643,836,000$628,125,000$612,333,000$648,414,000$639,683,000$628,895,000$614,579,000$609,330,000$619,798,000$577,329,000$570,872,000$562,372,000$453,103,000$439,415,000$314,162,000$318,303,000$322,653,000$315,262,000$311,430,000$303,442,000$294,857,000$286,104,000$276,100,000$237,682,000$230,211,000$225,331,000$185,447,000$179,177,000$174,323,000$169,133,000$165,200,000$161,796,000$161,728,000$134,932,000$
QoQ15,711,000$15,792,000$(36,081,000$)8,731,000$10,788,000$14,316,000$5,249,000$(10,468,000$)42,469,000$6,457,000$8,500,000$109,269,000$13,688,000$125,253,000$(4,141,000$)(4,350,000$)7,391,000$3,832,000$7,988,000$8,585,000$8,753,000$10,004,000$38,418,000$7,471,000$4,880,000$39,884,000$6,270,000$4,854,000$5,190,000$3,933,000$3,404,000$68,000$26,796,000$
QoQ%2.50%2.58%(5.57%)1.37%1.72%2.33%.86%(1.69%)7.36%1.13%1.51%24.12%3.12%39.87%(1.30%)(1.35%)2.34%1.23%2.63%2.91%3.06%3.62%16.16%3.25%2.17%21.51%3.50%2.78%3.07%2.38%2.10%.04%19.86%
YoY4,153,000$(770,000$)(2,246,000$)39,084,000$19,885,000$51,566,000$43,707,000$46,958,000$166,695,000$137,914,000$256,710,000$244,069,000$130,450,000$124,153,000$2,732,000$14,861,000$27,796,000$29,158,000$35,330,000$65,760,000$64,646,000$60,773,000$90,653,000$58,505,000$55,888,000$56,198,000$20,247,000$17,381,000$12,595,000$34,201,000$
YoY%.65%(.12%)(.37%)6.41%3.21%8.93%7.66%8.35%36.79%31.39%81.71%76.68%40.43%39.38%.88%4.90%9.43%10.19%12.80%27.67%28.08%26.97%48.88%32.65%32.06%33.23%12.26%10.74%7.79%25.35%
Dividends Paid4,437,000$4,425,000$39,148,000$4,491,000$4,474,000$4,036,000$3,511,000$3,541,000$3,109,000$3,117,000$3,117,000$2,616,000$2,255,000$2,256,000$1,638,000$1,673,000$1,679,000$3,821,000$1,615,000$1,618,000$1,623,000$1,550,000$1,543,000$1,431,000$1,416,000$1,422,000$1,319,000$1,306,000$1,331,000$1,071,000$1,067,000$1,087,000$
Additional Paid-In Capital QoQ551,000$551,000$484,000$(1,592,000$)539,000$540,000$539,000$(1,591,000$)561,000$536,000$519,000$113,936,000$(102,000$)125,752,000$447,000$(983,000$)360,000$363,000$321,000$(742,000$)287,000$283,000$29,605,000$(413,000$)174,000$35,475,000$131,000$(296,000$)146,000$
Treasury Stock45,191,000$45,219,000$43,135,000$35,972,000$32,294,000$30,602,000$27,352,000$24,560,000$25,227,000$23,963,000$23,847,000$23,913,000$24,941,000$24,941,000$23,386,000$23,333,000$21,349,000$18,965,000$12,730,000$
QoQ(28,000$)2,084,000$7,163,000$3,678,000$1,692,000$3,250,000$2,792,000$(667,000$)1,264,000$116,000$(66,000$)(1,028,000$)0$1,555,000$53,000$1,984,000$2,384,000$
Goodwill175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,106,000$175,104,000$175,125,000$110,206,000$111,551,000$55,357,000$55,357,000$55,357,000$55,357,000$55,357,000$55,472,000$55,472,000$55,022,000$11,595,000$43,456,000$43,456,000$28,433,000$15,024,000$15,024,000$15,024,000$15,024,000$7,101,000$
QoQ%.00%.00%.00%.00%.00%.00%.00%.00%.00%.00%(.01%)58.91%(1.21%)101.51%.00%.00%.00%.00%(.21%).00%.82%374.53%(73.32%).00%52.84%89.25%.00%.00%.00%
YoY%.00%.00%.00%.00%.00%.00%.00%(.01%)58.89%56.97%216.32%216.36%99.08%101.51%.00%(.21%)(.21%).61%377.42%27.65%27.65%93.52%(22.82%)189.24%189.24%89.25%(.40%)
Other Intangible Assets16,200,000$17,404,000$18,632,000$19,905,000$21,203,000$26,996,000$3,742,000$4,035,000$8,731,000$9,083,000$8,816,000$9,167,000$10,088,000$10,507,000$9,333,000$9,666,000$10,697,000$4,974,000$5,136,000$5,297,000$5,401,000$5,578,000$
QoQ(1,204,000$)(1,228,000$)(1,273,000$)(1,298,000$)(293,000$)(4,696,000$)(352,000$)267,000$(351,000$)(921,000$)(419,000$)1,174,000$(333,000$)(1,031,000$)5,723,000$(162,000$)(161,000$)(104,000$)
Amortization of Intangible Assets1,204,000$1,228,000$1,273,000$1,298,000$1,389,000$1,429,000$1,475,000$1,500,000$1,604,000$1,626,000$1,672,000$1,422,000$980,000$751,000$294,000$293,000$352,000$351,000$351,000$351,000$522,000$418,000$362,000$334,000$373,000$374,000$161,000$161,000$189,000$189,000$189,000$189,000$129,000$0$
Total Assets4,506,095,000$4,420,411,000$4,365,082,000$4,505,065,000$4,495,060,000$4,294,498,000$4,145,820,000$4,099,924,000$4,221,842,000$4,087,519,000$4,092,071,000$4,167,228,000$3,660,432,000$3,640,754,000$2,961,027,000$2,924,936,000$2,937,552,000$2,846,605,000$2,818,950,000$2,846,199,000$2,718,016,000$2,639,247,000$2,657,911,000$2,200,320,000$2,210,168,000$2,163,501,000$1,806,467,000$1,805,408,000$1,793,165,000$1,735,754,000$1,753,404,000$
QoQ85,684,000$55,329,000$(139,983,000$)10,005,000$200,562,000$148,678,000$45,896,000$(121,918,000$)134,323,000$(4,552,000$)(75,157,000$)506,796,000$19,678,000$679,727,000$36,091,000$(12,616,000$)90,947,000$27,655,000$(27,249,000$)128,183,000$78,769,000$(18,664,000$)457,591,000$(9,848,000$)46,667,000$357,034,000$1,059,000$12,243,000$57,411,000$
YoY11,035,000$125,913,000$219,262,000$405,141,000$273,218,000$206,979,000$53,749,000$(67,304,000$)561,410,000$446,765,000$1,131,044,000$1,242,292,000$722,880,000$794,149,000$142,077,000$78,737,000$219,536,000$207,358,000$161,039,000$645,879,000$507,848,000$475,746,000$851,444,000$394,912,000$417,003,000$427,747,000$39,761,000$
Total Liabilities3,862,259,000$3,792,286,000$3,752,749,000$3,856,651,000$3,855,377,000$3,665,603,000$3,531,241,000$3,490,594,000$3,602,044,000$3,510,190,000$3,521,199,000$3,604,856,000$3,207,329,000$3,201,339,000$2,646,865,000$2,606,633,000$2,614,899,000$2,531,343,000$2,507,520,000$2,542,757,000$2,423,159,000$2,353,143,000$2,381,811,000$1,962,638,000$1,979,957,000$1,938,169,000$1,621,019,000$1,626,231,000$1,618,842,000$1,566,621,000$1,591,676,000$
QoQ69,973,000$39,537,000$(103,902,000$)1,274,000$189,774,000$134,362,000$40,647,000$(111,450,000$)91,854,000$(11,009,000$)(83,657,000$)397,527,000$5,990,000$554,474,000$40,232,000$(8,266,000$)83,556,000$23,823,000$(35,237,000$)119,598,000$70,016,000$(28,668,000$)419,173,000$(17,319,000$)41,788,000$317,150,000$(5,212,000$)7,389,000$52,221,000$
YoY6,882,000$126,683,000$221,508,000$366,057,000$253,333,000$155,413,000$10,042,000$(114,262,000$)394,715,000$308,851,000$874,334,000$998,223,000$592,430,000$669,996,000$139,345,000$63,876,000$191,740,000$178,200,000$125,709,000$580,119,000$443,202,000$414,974,000$760,792,000$336,407,000$361,115,000$371,548,000$27,166,000$
Current Ratio
Total Current Assets
QoQ
Total Current Liabilities
QoQ
Debt to Asset Ratio.86x.86x.86x.86x.86x.85x.85x.85x.85x.86x.86x.87x.88x.88x.89x.89x.89x.89x.89x.89x.89x.89x.90x.89x.90x.90x.90x.90x.90x.90x.91x
Long Term Debt2,550,000$1,708,000$7,708,000$7,958,000$9,108,000$9,108,000$12,858,000$7,958,000$24,988,000$24,988,000$38,800,000$38,400,000,000$0$3,500,000$
QoQ842,000$(6,000,000$)(250,000$)(1,150,000$)0$(3,750,000$)(10,480,000$)(17,030,000$)0$(13,812,000$)(38,361,200,000$)
YoY(6,558,000$)(7,400,000$)(5,150,000$)(15,380,000$)(15,880,000$)(15,880,000$)(25,942,000$)(38,392,042,000$)38,400,000,000$(3,500,000$)
Capital Lease Obligations1,586,000$1,584,000$1,583,000$1,582,000$1,582,000$2,084,000$1,581,000$1,581,000$1,580,000$1,584,000$1,587,000$1,591,000$1,668,000$1,678,000$1,689,000$1,699,000$1,708,000$1,718,000$1,727,000$
Cash and Cash Equivalents243,207,000$126,184,000$120,328,000$300,865,000$261,332,000$204,428,000$98,950,000$83,374,000$247,468,000$75,776,000$111,326,000$169,691,000$119,351,000$143,441,000$43,985,000$107,359,000$296,860,000$299,953,000$251,071,000$261,174,000$170,219,000$80,752,000$177,231,000$54,153,000$86,452,000$118,401,000$125,874,000$109,178,000$107,743,000$35,316,000$45,304,000$37,753,000$101,977,000$34,240,000$
QoQ117,023,000$5,856,000$(180,537,000$)39,533,000$56,904,000$105,478,000$15,576,000$(164,094,000$)171,692,000$(35,550,000$)(58,365,000$)50,340,000$(24,090,000$)99,456,000$(63,374,000$)(189,501,000$)(3,093,000$)48,882,000$(10,103,000$)90,955,000$89,467,000$(96,479,000$)123,078,000$(32,299,000$)(31,949,000$)(7,473,000$)16,696,000$1,435,000$72,427,000$(9,988,000$)7,551,000$(64,224,000$)67,737,000$
YoY(18,125,000$)(78,244,000$)21,378,000$217,491,000$13,864,000$128,652,000$(12,376,000$)(86,317,000$)128,117,000$(67,665,000$)67,341,000$62,332,000$(177,509,000$)(156,512,000$)(207,086,000$)(153,815,000$)126,641,000$219,201,000$73,840,000$207,021,000$83,767,000$(37,649,000$)51,357,000$(55,025,000$)(21,291,000$)83,085,000$80,570,000$71,425,000$5,766,000$1,076,000$
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$1,997,000$
Interest Income