BFC

Based on Bank First Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Bank First Corporation do?

Bank First Corporation is the holding company for Bank First N.A., a Wisconsin community bank. It provides loans, deposit accounts, treasury management, insurance, and digital banking services to consumers, businesses, and local governments across 21 offices in nine Wisconsin counties.

Does BFC pay dividends?

Yes, Bank First Corporation pays a regular dividend. This is consistent with the capital-return practices of many profitable community bank holding companies. The specific yield and payout details are available through financial data providers or the company's investor relations page.

When does BFC report earnings?

Bank First Corporation reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For exact release dates and scheduled calls, check the investor relations section of the Bank First Corporation website.

Is BFC a good stock to buy?

UQS Score rates BFC as Below Average overall. The Quality and Valuation pillars are Good, but Moat and Risk both score Weak, which limits the composite rating. Whether BFC fits a portfolio depends on an investor's tolerance for community-bank risk and preference for income. The full pillar breakdown is available to Pro members.

Is BFC overvalued?

The UQS Valuation pillar for BFC is rated Good, suggesting the stock is not trading at an elevated premium relative to its fundamentals. Community banks with modest growth profiles often carry more conservative valuations. View the complete valuation metrics with a UQS Pro account.

How does BFC compare to its competitors?

Compared to peers like Lakeland Financial and National Bank Holdings, BFC is a smaller, more geographically concentrated Wisconsin-focused lender. Triumph Financial operates in a specialized niche. BFC's differentiation lies in its deep local relationships rather than scale or product breadth. The UQS competitor comparison provides pillar-level context.

What is BFC's market cap bracket?

Bank First Corporation is classified as a small-cap company. This places it among the smaller publicly traded bank holding companies, which typically means less analyst coverage, lower trading liquidity, and greater sensitivity to regional economic conditions than large-cap peers.

Who founded Bank First Corporation?

Bank First N.A. traces its banking roots to 1894 in Manitowoc, Wisconsin. The holding company structure has evolved over time, with the entity formerly known as Bank First National Corporation adopting its current name in June 2019. Detailed founding history is available through the company's official communications.

Is BFC a long-term quality investment?

As a long-term quality indicator, BFC's Below Average UQS Score reflects meaningful concerns — particularly the Weak Moat and Weak Risk ratings — that may limit compounding potential over time. The Good Quality and Valuation scores provide some offset. Long-term investors should weigh regional concentration and competitive dynamics carefully.

What is the main competitive advantage of Bank First Corporation?

Bank First's primary advantage is its long-standing community presence and local relationship banking across Wisconsin. However, the UQS Moat pillar rates this as Weak, indicating that these advantages may not be durable enough to consistently fend off competition from larger banks or digital-first financial services providers.

What sector does BFC belong to?

BFC operates in the Financial Services sector, specifically as a community bank holding company. Community banks in this sector are heavily influenced by interest-rate cycles, regional credit conditions, and regulatory requirements governing capital adequacy and lending practices.

Bank First Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Bank First Corporation shows steady but unspectacular growth, typical for mature companies.

Bank First Corporation has some risk factors including moderate leverage or solvency concerns.

Bank First Corporation trades at a reasonable valuation with decent earnings yield and FCF multiples.

Bank First Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BFC.

The UQS (Unified Quality Score) for Bank First Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Bank First Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Bank First Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.