BFC
Neutral signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Supports a bullish reading. Current ratio 1.84 · operating margin 37%
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 1 024 titres (~160 737,28 $ US) VENTE TOTALE: 1 848 titres (~287 493,36 $ US)
- Insiders
- Van Sistine Peter J.Pearson Tracy C
- Total bought
-
$160,737
Avg buy (VWAP, 90d window) $156.97 vs last close —
- Total sold
-
$287,493
Avg sell (VWAP, 90d window) $155.57 vs last close —
- Last activity
- 2026-09-11
- Last synced
-
2026-09-17 09:54:31
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-11 | Van Sistine Peter J. | Sell | 1,848 | $155.57 | $287,493 | Form 4 |
| 2026-08-17 | Pearson Tracy C | Buy | 1,024 | $156.97 | $160,737 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signalScored 2026-09-15
BFC presents a mixed picture: while liquidity has meaningfully improved (current ratio 1.84) and the Q2 earnings beat with a Strong Buy upgrade provides a short-term positive catalyst, the overall signal remains weak.
The first sentence of the analysis written for BFC on 2026-09-15 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.3% | 69.6% | 71.2% | 88.8% | 90.2% | |
| Ebit Margin | 36.7% | 35.6% | 53.0% | 45.6% | 51.3% | |
| Ebitda Margin | 39.0% | 39.2% | 57.5% | 48.6% | 54.1% | |
| Operating Profit Margin | 36.7% | 35.6% | 53.0% | 45.6% | 51.3% | |
| Pretax Profit Margin | 36.7% | 35.6% | 53.0% | 45.6% | 51.3% | |
| Continuous Operations Profit Margin | 29.7% | 29.4% | 40.0% | 34.6% | 38.9% | |
| Net Profit Margin | 29.7% | 29.4% | 40.0% | 34.6% | 38.9% | |
| Bottom Line Profit Margin | 29.7% | 29.2% | 39.7% | 34.3% | 38.6% | |
| Current Ratio | 1.839 | 0.113 | 0.116 | 0.134 | 0.198 | |
| Quick Ratio | 1.839 | 0.113 | 0.116 | 0.134 | 0.198 | |
| Solvency Ratio | 0.020 | 0.019 | 0.023 | 0.015 | 0.019 | |
| Cash Ratio | 1.839 | 0.071 | 0.071 | 0.038 | 0.116 | |
| Price To Earnings Ratio | 16.849 | 15.245 | 11.904 | 16.634 | 12.203 | |
| Price To Earnings Growth Ratio | 1.500 | -1.423 | 0.391 | -2.896 | 0.728 | |
| Forward Price To Earnings Growth Ratio | 1.500 | -1.423 | 0.391 | -2.896 | 0.728 | |
| Price To Earnings Diluted Ratio | 16.849 | 15.245 | 11.937 | 16.694 | 12.244 | |
| Price To Earnings Diluted Growth Ratio | 1.500 | -1.456 | 0.390 | -2.897 | 0.727 | |
| Price To Book Ratio | 1.861 | 1.554 | 1.422 | 1.648 | 1.707 | |
| Price To Sales Ratio | 4.983 | 4.452 | 4.728 | 5.710 | 4.715 | |
| Price To Free Cash Flow Ratio | 23.474 | 16.954 | 22.341 | 22.536 | 17.444 | |
| Price To Operating Cash Flow Ratio | 19.174 | 15.094 | 16.651 | 18.665 | 13.669 | |
| Debt To Assets Ratio | 0.027 | 0.033 | 0.030 | 0.034 | 0.023 | |
| Debt To Equity Ratio | 0.192 | 0.230 | 0.205 | 0.271 | 0.207 | |
| Debt To Capital Ratio | 0.161 | 0.187 | 0.170 | 0.213 | 0.171 | |
| Long Term Debt To Capital Ratio | 0.125 | 0.187 | 0.077 | 0.053 | 0.073 | |
| Financial Leverage Ratio | 7.022 | 7.027 | 6.812 | 8.079 | 9.104 | |
| Working Capital Turnover Ratio | -0.149 | -0.070 | -0.064 | -0.055 | -0.057 | |
| Operating Cash Flow Ratio | 2.076 | 0.018 | 0.015 | 0.013 | 0.016 | |
| Operating Cash Flow Sales Ratio | 0.260 | 0.295 | 0.284 | 0.306 | 0.345 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.817 | 0.890 | 0.745 | 0.828 | 0.784 | |
| Debt Service Coverage Ratio | 0.770 | 1.073 | 0.665 | 0.449 | 0.984 | |
| Interest Coverage Ratio | 1.259 | 1.159 | 2.016 | 4.790 | 7.221 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.076 | 0.000 | 0.699 | 0.412 | 0.980 | |
| Operating Cash Flow Coverage Ratio | 0.506 | 0.447 | 0.416 | 0.326 | 0.605 | |
| Capital Expenditure Coverage Ratio | 5.460 | 9.114 | 3.927 | 5.822 | 4.621 | |
| Dividend Paid And Capex Coverage Ratio | 0.977 | 2.890 | 2.081 | 2.723 | 2.308 | |
| Dividend Payout Ratio | 0.734 | 0.237 | 0.160 | 0.173 | 0.192 | |
| Enterprise Value Multiple | 13.505 | 10.049 | 7.102 | 11.791 | 5.073 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.3% | ▲0.7% | ▼-7.7% |
| Ebit Margin | 36.7% | ▲1.1% | ▼-7.8% |
| Ebitda Margin | 39.0% | ▼-0.2% | ▼-8.7% |
| Operating Profit Margin | 36.7% | ▲1.1% | ▼-7.8% |
| Pretax Profit Margin | 36.7% | ▲1.1% | ▼-7.8% |
| Continuous Operations Profit Margin | 29.7% | ▲0.4% | ▼-4.8% |
| Net Profit Margin | 29.7% | ▲0.4% | ▼-4.8% |
| Bottom Line Profit Margin | 29.7% | ▲0.4% | ▼-4.7% |
| Current Ratio | 1.839 | ▲1.726 | ▲1.359 |
| Quick Ratio | 1.839 | ▲1.726 | ▲1.359 |
| Solvency Ratio | 0.020 | ▲0.001 | ▲0.001 |
| Cash Ratio | 1.839 | ▲1.768 | ▲1.412 |
| Price To Earnings Ratio | 16.849 | ▲1.605 | ▲2.282 |
| Price To Earnings Growth Ratio | 1.500 | ▲2.923 | ▲1.840 |
| Forward Price To Earnings Growth Ratio | 1.500 | ▲2.923 | ▲1.840 |
| Price To Earnings Diluted Ratio | 16.849 | ▲1.605 | ▲2.256 |
| Price To Earnings Diluted Growth Ratio | 1.500 | ▲2.957 | ▲1.847 |
| Price To Book Ratio | 1.861 | ▲0.307 | ▲0.223 |
| Price To Sales Ratio | 4.983 | ▲0.531 | ▲0.065 |
| Price To Free Cash Flow Ratio | 23.474 | ▲6.520 | ▲2.924 |
| Price To Operating Cash Flow Ratio | 19.174 | ▲4.081 | ▲2.524 |
| Debt To Assets Ratio | 0.027 | ▼-0.005 | ▼-0.002 |
| Debt To Equity Ratio | 0.192 | ▼-0.038 | ▼-0.029 |
| Debt To Capital Ratio | 0.161 | ▼-0.026 | ▼-0.019 |
| Long Term Debt To Capital Ratio | 0.125 | ▼-0.062 | ▲0.022 |
| Financial Leverage Ratio | 7.022 | ▼-0.005 | ▼-0.587 |
| Working Capital Turnover Ratio | -0.149 | ▼-0.079 | ▼-0.070 |
| Operating Cash Flow Ratio | 2.076 | ▲2.058 | ▲1.649 |
| Operating Cash Flow Sales Ratio | 0.260 | ▼-0.035 | ▼-0.038 |
| Free Cash Flow Operating Cash Flow Ratio | 0.817 | ▼-0.073 | ▲0.004 |
| Debt Service Coverage Ratio | 0.770 | ▼-0.303 | ▼-0.018 |
| Interest Coverage Ratio | 1.258 | ▲0.100 | ▼-2.030 |
| Short Term Operating Cash Flow Coverage Ratio | 2.076 | ▲2.076 | ▲1.243 |
| Operating Cash Flow Coverage Ratio | 0.506 | ▲0.059 | ▲0.046 |
| Capital Expenditure Coverage Ratio | 5.460 | ▼-3.654 | ▼-0.329 |
| Dividend Paid And Capex Coverage Ratio | 0.977 | ▼-1.913 | ▼-1.219 |
| Dividend Payout Ratio | 0.734 | ▲0.497 | ▲0.435 |
| Enterprise Value Multiple | 13.505 | ▲3.455 | ▲4.001 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.20B | $993.9M | $881.6M | $746.7M | $550.6M | |
| Enterprise value | $1.27B | $879.9M | $761.3M | $750.0M | $320.4M | |
| EV / Sales | 5.27x | 3.94x | 4.08x | 5.74x | 2.74x | |
| EV / Op. cash flow | 20.27x | 13.36x | 14.38x | 18.75x | 7.95x | |
| EV / Free cash flow | 24.81x | 15.01x | 19.29x | 22.63x | 10.15x | |
| EV / EBITDA | 13.51x | 10.05x | 7.10x | 11.79x | 5.07x | |
| Net debt / EBITDA | 0.73x | -1.30x | -1.12x | 0.05x | -3.65x | |
| Current ratio | 1.84x | 0.11x | 0.12x | 0.13x | 0.20x | |
| Income quality | 0.87x | 1.00x | 0.71x | 0.89x | 0.89x | |
| Graham number | $103 | $97 | $100 | $84 | $75 | |
| Graham net-net | -$389 | -$343 | -$314 | -$346 | -$276 | |
| Tax burden | 81.1% | 82.5% | 75.4% | 75.8% | 75.8% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $25.3M | -$3.25B | -$3.10B | -$2.73B | -$2.06B | |
| Invested capital | $295.8M | -$2.97B | -$2.82B | -$2.54B | -$1.95B | |
| Return on assets | 1.6% | 1.5% | 1.8% | 1.2% | 1.5% | |
| Operating ROA | 2.0% | 1.8% | 2.5% | 1.8% | 2.1% | |
| Return on tangible assets | 1.7% | 1.5% | 1.9% | 1.3% | 1.6% | |
| Return on equity | 11.1% | 10.2% | 12.0% | 10.0% | 14.1% | |
| Return on invested capital | 1.6% | 7.9% | 9.4% | 7.5% | 11.1% | |
| Return on capital employed | 2.0% | 9.5% | 13.9% | 11.9% | 16.3% | |
| Earnings yield | 6.0% | 6.6% | 8.5% | 6.1% | 8.3% | |
| Free cash flow yield | 4.3% | 5.9% | 4.5% | 4.4% | 5.7% | |
| Capex / Op. cash flow | 18.3% | 11.0% | 25.5% | 17.2% | 21.6% | |
| Capex / Depreciation | 154.2% | 89.8% | 160.6% | 172.9% | 273.7% | |
| Capex / Sales | 4.8% | 3.2% | 7.2% | 5.3% | 7.5% | |
| SG&A / Sales | 23.2% | 19.3% | 22.8% | 26.4% | 24.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 1.0% | 1.1% | 1.3% | 1.2% | |
| Intangibles / Total assets | 4.2% | 4.7% | 5.1% | 3.7% | 2.2% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+20.5%EV / Sales ▲+33.6%EV / EBITDA ▲+34.4%EV / Op. cash flow ▲+6.903Earnings yield ▼-0.006Graham number ▲+6.631
Profitability
Return on equity ▲+0.009Return on assets ▲+0.001Return on invested capital ▼-0.063Return on capital employed ▼-0.076Operating ROA ▲+0.001Income quality ▼-0.130Tax burden ▼-0.014
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▲+0.015R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+1.726Net debt / EBITDA ▲+2.029Working capital ▲+3272033000.000Invested capital ▲+3261770000.000Intangibles / Total assets ▼-0.004
Change over 5 years
Valuation
Market cap ▲+117.6%EV / Sales ▲+92.0%EV / EBITDA ▲+166.2%EV / Op. cash flow ▲+12.313Earnings yield ▼-0.023Graham number ▲+28.124
Profitability
Return on equity ▼-0.030Return on assets +0.000Return on invested capital ▼-0.095Return on capital employed ▼-0.143Operating ROA ▼-0.002Income quality ▼-0.013Tax burden ▲+0.053
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.027R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+1.641Net debt / EBITDA ▲+4.373Working capital ▲+2085264000.000Invested capital ▲+2241918000.000Intangibles / Total assets ▲+0.020
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-09 Fed and Treasury at Odds Summary Fed Chairman Warsh signaled that rate hikes are needed to improve its price stability mandate. The US Treasury''s plan to buy long maturities is a short-term fix for a growing unmanageable problem, in our opinion.
- 2026-08-30 Deutsche Bank AG Acquires New Stake in Bank First National Corporation $BFC Deutsche Bank AG bought a new position in shares of Bank First National Corporation (NASDAQ: BFC) in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund bought 10,404 shares of the company''s stock, valued at approximately $1,543,000. Deutsche Bank AG
- 2026-08-18 Bank First National (NASDAQ:BFC) Hits New 52-Week High – Time to Buy? Bank First National Corporation (NASDAQ: BFC - Get Free Report) reached a new 52-week high on Tuesday. The company traded as high as $159.10 and last traded at $156.88, with a volume of 92824 shares traded. The stock had previously closed at $158.00. Analyst Ratings Changes A number of equities research analysts have issued reports
- 2026-07-31 BFC PARTNERS AND SAA CANOPY GROUP CLOSE ON $269M CONSTRUCTION LOAN FOR MAJOR RENOVATION OF PARKSIDE COMMONS IN SYRACUSE, NEW YORK Joint Venture Takes on Extensive Renovations and New Construction, Transforming Quality of Life for Residents an d Revitalizing Syracuse''s East Side SYRACUSE, N.Y., July 31, 2026 /PRNewswire/ -- BFC Partners and SAA Canopy Group have closed on a $269 million construction loan to transform the long-standing Parkside Commons housing complex on Syracuse''s East Side.
- 2026-07-24 Bank First Corporation (BFC) Upgraded to Strong Buy: What Does It Mean for the Stock? Bank First Corporation (BFC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
- 2026-07-24 Bank First Announces Net Income for the Second Quarter of 2026 Net income of $24.7 million and $44.7 million for the three and six months ended June 30, 2026, respectively Earnings per common share of $2.21 and $3.99 for the three and six months ended June 30, 2026, respectively Adjusted net income (non-GAAP) of $27.3 million and $52.4 million and adjusted earnings per common share (non-GAAP) of $2.45 and $4.69 for the three and six months ended June 30, 2026, respectively, after removing the impact of acquisition expenses and certain asset sales Quarterly cash dividend of $0.60 per share declared, an increase of 9.1% and 33.3% over the prior quarter and prior-year second quarter, respectively MANITOWOC, Wis., July 24, 2026 /PRNewswire/ -- Bank First Corporation (NASDAQ: BFC) ("Bank First" or the "Bank"), the holding company for Bank First, N.A.
- 2026-07-21 Bank First Corporation (BFC) Tops Q2 Earnings and Revenue Estimates Bank First Corporation (BFC) came out with quarterly earnings of $2.45 per share, beating the Zacks Consensus Estimate of $2.28 per share. This compares to earnings of $1.71 per share a year ago.
- 2026-06-17 New Strong Sell Stocks for June 17th BFC, BSM and SKY have been added to the Zacks Rank #5 (Strong Sell) List on June 17, 2026.