Bank First National Corp (BFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank First National Corp stock (BFC) is currently trading at $132.56. Bank First National Corp PE ratio is 18.36. Bank First National Corp PS ratio (Price-to-Sales) is 8.60. Analyst consensus price target for BFC is $155.00. WallStSmart rates BFC as Hold.
- BFC PE ratio analysis and historical PE chart
- BFC PS ratio (Price-to-Sales) history and trend
- BFC intrinsic value — DCF, Graham Number, EPV models
- BFC stock price prediction 2025 2026 2027 2028 2029 2030
- BFC fair value vs current price
- BFC insider transactions and insider buying
- Is BFC undervalued or overvalued?
- Bank First National Corp financial analysis — revenue, earnings, cash flow
- BFC Piotroski F-Score and Altman Z-Score
- BFC analyst price target and Smart Rating
Bank First National Corp
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BFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank First National Corp (BFC)
BFC trades 15% above its Graham fair value of $127.65, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank First National Corp (BFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, profit margin. Concerns around price/sales. Fundamentals are solid but monitor weak areas for improvement.
Bank First National Corp (BFC) Key Strengths (3)
Growing significantly faster than its price suggests
Keeps $54 of every $100 in revenue after operating costs
Keeps $41 of every $100 in revenue as net profit
Supporting Valuation Data
Bank First National Corp (BFC) Areas to Watch (7)
Very expensive at 8.6x annual revenue
Modest revenue growth at 9.40%
Modest earnings growth at 6.80%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Fairly priced relative to book value
Moderate institutional interest at 34.17%
Supporting Valuation Data
Bank First National Corp (BFC) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 3 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 4.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 53.90%, Profit Margin at 41.40%.
The Bear Case
The primary concerns are Price/Sales, Revenue Growth, EPS Growth. Some valuation metrics including Price/Sales (8.60), Price/Book (2.28) suggest expensive pricing. Growth concerns include Revenue Growth at 9.40%, EPS Growth at 6.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Operating Margin) and negatives (Price/Sales, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BFC's Price-to-Sales ratio of 8.60x trades 59% above its historical average of 5.41x (86th percentile), historically expensive. The current valuation is 20% below its historical high of 10.74x set in Apr 2018, and 537% above its historical low of 1.35x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank First National Corp (BFC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Bank First National Corp is a mature, profitable business with steady cash generation. Revenue reached 173M with 9% growth year-over-year. Profit margins are strong at 41.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 41.4% and operating margin of 53.9% demonstrate strong pricing power and operational efficiency.
Generating 26M in free cash flow and 29M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Bank First National Corp.
Bottom Line
Bank First National Corp is a well-established business delivering consistent profitability with 41.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(21 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MOLEPSKE, MICHAEL B. Director, Chairman and CEO | Sell | -1,450 |
| Insider | Type | Shares |
|---|---|---|
ELDRED, STEVEN M Director | Sell | -8,000 |
| Insider | Type | Shares |
|---|---|---|
ELDRED, STEVEN M Director | Sell | -8,000 |
| Insider | Type | Shares |
|---|---|---|
SPRANG, TODD A. Director | Buy | +150 |
Data sourced from SEC Form 4 filings
Last updated: 2:28:52 PM
About Bank First National Corp(BFC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Bank First Corporation is a Bank First NA holding company providing business and consumer financial services to businesses, professionals and consumers in Wisconsin. The company is headquartered in Manitowoc, Wisconsin.