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Bank First Corporation Financial Ratios 2025-2011 | BFC
Brief overview of Bank First Corporation's valuation multiples
Current figures are compared with the company's own five-year history for 2021–2025.
The latest available valuation ratios are P/E 18.52x (median 13.14x), P/B 2.06x (median 1.64x), P/CF 21.19x (median 15.94x). Valuation is 32.9% above five-year reference levels. The premium requires support from earnings and returns.
Current earnings relative to valuation equal about 5.4% on the 1/P/E measure. This is a valuation reference, not an expected payout.
The latest available business-quality ratios are ROE 11.1%, ROA 1.6%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.
On PEG (4.59x), valuation is stretched relative to growth and requires strong execution.
For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.
Overall picture
Bank First Corporation's high quality ratios explain part of the market premium but increase sensitivity to slower growth.
Annual Financial Ratios Bank First Corporation
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
18.5 | 16.0 | 11.8 | 13.1 | 12.1 | 12.6 | 16.3 | -80.6 | - | 14.2 | 12.0 | 11.4 | 10.3 | 9.9 | 10.6 |
P/S |
- | - | - | - | - | - | 5.6 | 12.1 | - | 4.8 | 3.9 | 3.6 | 3.2 | 2.7 | 2.6 |
EPS |
7.2 | 6.5 | 7.3 | 5.6 | 5.9 | 5.1 | 3.9 | 3.8 | 2.4 | 2.4 | - | - | - | - | - |
EV (Enterprise Value) |
4.94 B | 4.64 B | 4.23 B | 3.68 B | 2.87 B | 2.73 B | 2.33 B | 1.87 B | 1.49 B | 1.32 B | 1.28 B | 1.14 B | 1.08 B | 1.03 B | 908 M |
EBITDA per Share |
0.24 | 0.23 | 0.21 | 0.21 | 0.23 | 0.2 | - | - | - | - | - | - | - | - | - |
EV/EBITDA |
2059.6 | 2019.1 | 2015.6 | 2166.0 | 2040.4 | 10.1 | - | -94.9 | - | - | - | - | - | - | - |
PEG |
4.59 | - | - | - | - | 0.31 | 6.22 | -21.1 | - | 1.12 | 1.7 | 1.02 | 0.78 | 0.46 | 0.71 |
P/B |
2.1 | 1.6 | 1.4 | 1.3 | 1.7 | 1.6 | 1.9 | 4.5 | - | 1.7 | 1.3 | 1.3 | 1.2 | 1.1 | 1.0 |
P/CF |
21.2 | 15.9 | 16.6 | 14.9 | 13.7 | 10.9 | 28.3 | 46.3 | - | 16.2 | 16.8 | 10.6 | 9.4 | 7.5 | 7.6 |
ROE % |
11.11 | 10.25 | 12.02 | 9.98 | 14.08 | 12.90 | 11.60 | -5.57 | - | 11.69 | 11.26 | 11.57 | 11.38 | 10.84 | 9.21 |
ROA % |
1.59 | 1.46 | 1.76 | 1.24 | 1.55 | 1.40 | 1.21 | -0.92 | - | 1.13 | 1.08 | 1.14 | 1.09 | 1.02 | 0.94 |
Current Ratio |
1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 0.0 | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Bank First Corporation
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
2.21 | 1.78 | 1.83 | 1.71 | 1.82 | - | 1.65 | 1.59 | 1.51 | - | 1.43 | 1.37 | 1.09 | - | 1.26 | 1.55 | 1.34 | 1.47 | 1.46 | 1.5 | 1.49 | 1.49 | 1.42 | 1.11 | 1.03 | 1.05 | 0.95 | 0.91 | 1 | 0.91 | 0.89 | 0.96 | 1.05 | 0.5 | 0.62 | 0.68 | 0.64 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.23 | 0.23 | 0.13 | 0.13 | 0.13 | - | 0.14 | 0.15 | 0.15 | - | 0.16 | 0.16 | 0.15 | - | 0.09 | 0.04 | 0.04 | - | 0.05 | 0.05 | 0.05 | - | 0.05 | 0.05 | 0.05 | - | 0.05 | 0.02 | - | - | 0.03 | 0.03 | 0.03 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
11.07 | 10.87 | 11.07 | 10.81 | 10.59 | 7.77 | 10.34 | 10.18 | 9.47 | 6.94 | 9.34 | 10.48 | 11.20 | 9.31 | 12.77 | 13.93 | 13.93 | 14.52 | 14.97 | 15.13 | 14.23 | 12.90 | 12.23 | 11.41 | 11.20 | 11.60 | 11.83 | 12.34 | 13.41 | 14.60 | 13.15 | 12.12 | 4.05 | 2.03 | 2.37 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.54 | 1.53 | 1.58 | 1.56 | 1.55 | 1.15 | 1.51 | 1.47 | 1.34 | 0.96 | 1.25 | 1.28 | 1.29 | 1.03 | 1.41 | 1.52 | 1.53 | 1.59 | 1.63 | 1.64 | 1.54 | 1.40 | 1.31 | 1.21 | 1.18 | 1.21 | 1.21 | 1.24 | 1.32 | 1.42 | 1.27 | 1.16 | 0.39 | 0.19 | 0.22 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Bank First Corporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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