BFC
ACHAT TOTAL: 1024 titres (~160737 USD)
- Insiders
- Pearson Tracy C
- Total bought
- $160,737
- Total sold
- —
- Last activity
- 2026-08-17
- Last synced
-
2026-08-25 17:08:49
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-27
BFC presents a moderately compelling setup: a meaningful insider cluster buy (~$160k) following a Q2 EPS beat and a Zacks Strong Buy upgrade signals informed conviction, while the sharp liquidity recovery (current ratio…
The first sentence of the analysis written for BFC on 2026-08-27 - 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
No congressional trade data synced.
Recent news
- 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.
- 2026-06-15 New Strong Sell Stocks for June 15th ATS, BFC and CMC have been added to the Zacks Rank #5 (Strong Sell) List on June 15, 2026.
- 2026-06-04 New Strong Sell Stocks for June 4th BFC, FUTU and IBN have been added to the Zacks Rank #5 (Strong Sell) List on June 4th, 2026.
- 2026-06-01 New Strong Sell Stocks for June 1st ACA, BKR and BFC have been added to the Zacks Rank #5 (Strong Sell) List on June 1st, 2026.