BANK FIRST CORP (BFC)
Financials · Regional Banks · NASDAQ
A regional bank holding company providing commercial and consumer financial services primarily throughout Wisconsin.
What BANK FIRST CORP does
Bank First Corporation is a bank holding company that provides a range of financial services through its subsidiary, Bank First. Its services include commercial and consumer lending, deposit services, trust and wealth management, and mortgage banking. The company operates primarily in Wisconsin and has a strategic investment in Ansay and Associates, LLC, an insurance services provider.
Themes: regional banking, lending services, wealth management, mortgage banking
Fundamentals
- Price$147.98 as of 2026-10-08 close
- Market cap$1.6B as of 2026-08-07 (share count; price 2026-10-08)
- 1-year return+12.1% 2025-10-08 close $131.99 → 2026-10-08 close $147.98
- P/E20.54 as of 2026-10-08
- ROE+11.1% FY2025, SEC XBRL
- Debt / equity0.03 as of 2026-09-03
- Beta0.59 as of 2026-09-03
- Last reported earnings2026-07-21 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.4%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
How BFC compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, BFC's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 73%, free-cash-flow payout 103%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout73% dividends / net income
- Free-cash-flow payout103% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BANK FIRST CORP looks technically
BANK FIRST CORP (BFC) is trading 3.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 550 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 3.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $152.90 | $152.90 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $143.18 | $143.18 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 27 calendar days ago — the swings before that are what the structure reading is measured on | 27 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 157.64. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 550 trading days ago — a "golden cross", a bullish long-term signal | 550 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend) | 20.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30) | 41.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($146.49 to $153.23) — its "stochastic" reading is 22 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 22.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 19 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $159.10 | $159.10 |
|---|---|---|
| From the 52-week high | it is 7.0% below its 52-week high (its highest price of the past year) | -7.0% |
| Above the 52-week low | it is 24.3% above its 52-week low (its lowest price of the past year) | +24.3% |
| Below the 52-week high | it is 7.0% below its highest point of the past year | 7.0% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 40 trading days ago | 40 sessions |
| All-time high | its highest closing price on record is $159.10 (set on 2026-08-17) | $159.10 |
| Given back of the 52-week move | over the past year its closes ranged ($119.08 to $158.42), and it has given back roughly a quarter of its rise from last year’s low — 27% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $132.85 to $134.11. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 26.5% |
| From the all-time high | it is 7.0% below its all-time high | -7.0% |
| Nearest price level | it is sitting right on a resistance level at $148.64 — a price it turned at five times since 2026-04-17, most recently on 2026-09-01. Since 2024-10-08 it has 14 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.4% |
| All-time low | its lowest closing price on record is $5.25 (set on 2009-02-18) | $5.25 |
| Above the all-time low | it is 2718.7% above its all-time low | +2,719% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 90% of it) | 10th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.88 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.88 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $147.17 and $154.60 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $147.17 – $150.88 – $154.60 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.9% |
| Stretch from the 200-day average | it is trading 1.7 daily ranges above its 200-day average price (3.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.97× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.0% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.6 percentage points (the stock lost 4.6% while the market gained 1.0%) | -5.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.9 percentage points (the stock gained 1.9% while the market gained 3.8%) | -1.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 9.9 percentage points (the stock gained 7.5% while the market gained 17.5%) | -9.9% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 2.9 percentage points (the stock gained 12.1% while the market gained 15.0%) | -2.9% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.4% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.8% of the share price. | -0.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $143.81 — a volume-weighted average of daily closes over 189 sessions, not a true tick-by-tick VWAP. | +2.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-21 (its 8-K), so the typical buyer over that stretch is under water. That average is $152.10 — a volume-weighted average of daily closes over 57 sessions, not a true tick-by-tick VWAP. | -2.7% |
Rising wedge, bearish — broke down · entry $151.61 · 65 sessions in
Price levels it has turned at before
BFC last closed at $147.98 on 2026-10-08. Since 2024-10-08 it has turned at 14 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $148.64 | Resistance | 0.4% above the last close | turned there five times · 2026-04-17 to 2026-09-01 |
| $145.51 | Support | 1.7% below the last close | turned there three times · 2026-04-09 to 2026-07-08 |
| $153.01 | Resistance | 3.4% above the last close | turned there four times · 2026-02-09 to 2026-08-10 |
| $139.91 | Support | 5.5% below the last close | turned there six times · 2025-12-16 to 2026-07-20 |
| $158.37 | Resistance | 7.0% above the last close | turned there twice · 2026-08-17 to 2026-09-11 |
| $134.10 | Support | 9.4% below the last close | turned there six times · 2025-07-23 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $157.64.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 15 trading days, since 2026-09-18.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · lagging the market · Least volatile (2% or less typical daily range) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$163.00 range $161.00 – $165.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BFC
- Consensus EPS estimate$2.60 next reporting period, as of 2026-10-06
- Estimate change, 30 days$0.00 (0.0%) from $2.60, on 2026-09-01, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to interest rate fluctuations affecting net interest income","Credit risk related to the loan portfolio","Risks associated with acquisitions and the integration of acquired operations"]
What changed in the latest 10-Q
AI-assisted comparison of BFC's 10-Q filed 2026-08-07 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing includes a new bullet-point list of forward-looking risk factors referencing the proposed merger of PSB Holdings, Inc. ('Peoples') with the Company (the 'Proposed Merger') and, separately, risks relating to bank acquisitions including the recent acquisition of Centre 1 Bancorp.
- Newer filing adds: 'the risks and other factors set forth in the Company's Annual Report on Form 10-K for the year ended December 31, 2025' as a source of risk factors in the forward-looking statements cautionary paragraph, where older filing omitted mention of the Annual Report on Form 10-K.
- Newer filing adds the introductory sentence: 'A number of important factors could cause our actual results to differ materially from those indicated in these forward-looking statements, including those factors discussed elsewhere in this Quarterly Report on Form 10-Q and the following:'.
- Removed:
- Older filing contains a lengthy paragraph in the Overview section describing the Bank's income sources, net interest income, ACL - Loans, provision for credit losses, net gain on sale of loans held for sale, and operating expenses; this paragraph is not present in the accessible portion of the newer filing's MD&A.
- Older filing contains paragraphs in the Overview section describing the consummation of the merger with Centre on January 1, 2026, the opening of eleven First National Bank and Trust branches on January 2, 2026, branch rebranding plans, and acquisition method of accounting details; these paragraphs are not present in the accessible portion of the newer filing's MD&A.
- Older filing contains a 'SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA' heading and related table content, which is not present in the accessible portion of the newer filing's MD&A extracted text.
- Reworded:
- Newer filing updates the quarterly period reference from 'the quarterly period March 31, 2026' to 'the quarterly period June 30, 2026' in the first paragraph of MD&A.
- Notes:
- The extracted newer filing text ends mid-sentence in the Overview section ('Outagamie, Ozaukee, Rock, Shawano, Sheboygan, Walworth, Waupaca, Waushara, and Winnebago counties in the State of Wisconsin and Winnebago county in the State of Illinois. The Bank offers loan, deposit, treasury management, trust, and wealth management services at each of its banking locations.'), so some changes between the two filings after that point may not be captured. The 'SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA' section in the older filing may exist in the newer filing beyond the truncated text, so its treatment as a removal is based only on the accessible text.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 1 sell ($287493) — 1 selling insider
- Last 90 days · read to 2026-10-041 buy ($160737) · 1 sell ($287493) — 1 buying, 1 selling insiders
- Last 180 days · read to 2026-10-043 buys ($254778) · 1 sell ($287493) — 3 buying, 1 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-11. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BFC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BFC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,297,415
- Reported value $192,693,364
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BFC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BFC had 652,284 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BFC had 5.88% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 9.41 days to cover at the same settlement.
- Reported short interest (shares) 652,284
- Short interest (% of shares outstanding) 5.88%
- Prior settlement (shares) 622,595
- Reported change 4.77%
- Days to cover (reported) 9.41
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Associated Banc-Corp (ASB)
- Wintrust Financial (WTFC)
- Old National Bancorp (ONB)
- BancorpSouth Bank
- Community banks in Wisconsin
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BANK FIRST CORP (BFC) do?
Bank First Corporation is a bank holding company that provides a range of financial services through its subsidiary, Bank First. Its services include commercial and consumer lending, deposit services, trust and wealth management, and mortgage banking. The company operates primarily in Wisconsin and has a strategic investment in Ansay and Associates, LLC, an insurance services provider.
What sector is BANK FIRST CORP (BFC) in?
BANK FIRST CORP (BFC) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does BFC pay a dividend?
Yes — BANK FIRST CORP (BFC) pays a dividend, with an indicated yield of about 1.45% and 4-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are BANK FIRST CORP's (BFC) competitors?
Notable peers of BANK FIRST CORP (BFC) include Associated Banc-Corp, Wintrust Financial, Old National Bancorp, BancorpSouth Bank and Community banks in Wisconsin. This peer set is informational only — not financial advice.
Is BANK FIRST CORP (BFC) overbought or oversold right now?
BANK FIRST CORP (BFC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 42, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BFC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.