Bank First Corporation (BFC) Stock Analysis & Winston Score

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. The company offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; insurance; data proce

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+39.4% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-2.2% YoY

YoY Growth Rate

Earnings declining

Insider Activity

10.8%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Runway

~6 years

$399M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$399M cash & investments at current burn rate

Revenue accelerating

Bank First Corporation grew revenue 39% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

75.8%

Premium pricing power — 75.8% gross margin

Operating Margin

29.3%

Excellent — 29.3% operating margin

ROCE

2.6%

Weak — 2.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+14.4%

Fast-growing sales (14.4% YoY)

EPS YoY

+5.6%

Modest earnings growth (5.6% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

61%

Modest — 61% of profit becomes cash

FCF Margin

11.4%

Modest free cash flow (11.4%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.15

Conservative — low debt load (0.15)

Interest Cover

1.26x

Dangerous — barely covers interest (1.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

20.4x

no trend

Growth-priced — P/E 20.4

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+4.8

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (20.4 → 15.7)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

1.28%

no trend

Small dividend — 1.28% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

-59.8%

no trend

Dividend cut (-59.8% YoY) — warning sign

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial