Yahoo Finance report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
Why BFC Stock advanced +1.29% Today — RQD Quant Desk Flash
Bank First Corporation (BFC) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is BFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Bank First Corporation (NASDAQ: BFC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $150.95 (+1.29% 1D, market cap $1.67B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, BFC ranks #461 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does BFC compare to QCRH and CNOB in the Financials sector?
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Within the Financials sector (Major Banks), BFC carries a Roarable D+ (58/100 RQD), trailing P/E of 23.4x, gross margin of —, and ROIC of 11.1%. By comparison, QCRH (QCR Holdings Inc.) holds a C grade (64/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.69B) and CNOB (ConnectOne Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.65B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for BFC?
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Per BFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001746109), Bank First Corporation generated $1.89B in revenue (+0.2% YoY), $71.5M in net income, and $51.0M in free cash flow against $4.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 54.6 (NEUTRAL RANGE)
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
⚔️ Adversarial Opposing Case: Why the BFC Bull Thesis Could Fail
Even with a 58/100 (D+) score, BFC faces multiple-compression risk if 23.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($150.21) or 200D SMA ($145.44) invalidates the momentum regime and cuts Target Base ($150.95) toward Bear Floor ($117.74).
Why BFC Stock advanced +1.29% Today — RQD Quant Desk Flash
Bank First Corporation (BFC) advanced +1.29% to $150.95, trading at 80% of its 52-week range ($119.08 – $159.1). Stretched risk/reward at 23x P/E (11% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 80% of its 52-week range ($119.08 – $159.1) with RSI-14 at 54.6 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.7% around $150.95 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $51.0M annual free cash flow.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
See 25 dividend stocks with recent payout hikes, including top picks, fair value upside, yield, and risk flags.
Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
Bank First stock took a hit ahead of the open, with shares down about 4% from the previous close as traders reacted to fresh Q3 2026 numbers. The headline story is not the income statement; it is the pressure building on
Bank First (NASDAQ:BFC) reported quarterly earnings of $2.35 per share which missed the analyst consensus estimate of $2.63 by 10.65 percent. This is a 23.04 percent increase over earnings of $1.91 per share from the
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BFC)
- ✓Walkthrough of BFC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
BFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BFC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BFC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BFC)
1. Head-to-Head Financials Peer Comparison (BFC vs. QCRH, CNOB, NBHC, HOPE)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Bank First Corporation (BFC) ranks #461 by composite RQD confidence (58/100, grade D+) and #462 by equity capitalization ($1.67B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. CNOB currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with BFC at 58/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BFC
ACTIVE
Bank First Corporation | D+ | 58/100 | 23.4x | — | 11.1% | +1.29% | $1.67B | Benchmark Subject |
| QCRH QCR Holdings Inc. | C | 64/100 | 13.2x | — | 11.4% | +2.03% | $1.69B | /qcrh-vs-bfc → |
| CNOB ConnectOne Bancorp Inc. | C+ | 66/100 | 22.0x | — | 5.1% | +2.37% | $1.65B | /cnob-vs-bfc → |
| NBHC National Bank Holdings Corporation | D+ | 55/100 | 15.3x | — | 7.9% | +1.68% | $1.70B | /nbhc-vs-bfc → |
| HOPE Hope Bancorp Inc. | D+ | 57/100 | 28.0x | — | 2.7% | +0.83% | $1.70B | /hope-vs-bfc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001746109 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank First Corporation (BFC) reported GAAP revenue of $1.89B (+0.2% vs. FY2024 revenue of $1.89B , and +464.4% cumulative change since FY2023) , GAAP net income of $71.5M, operating cash flow of $62.5M, and free cash flow of $51.0M (-12.9% YoY). On the balance sheet, BFC closed FY2025 with $4.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.89B | $71.5M | $62.5M | $51.0M | $4.51B | — |
| FY2024 (FY) | 2024-12-31 | $1.89B | $65.6M | $65.8M | $58.6M | $4.50B | — |
| FY2023 (FY) | 2023-12-31 | $335.3M | $74.5M | $52.9M | $52.9M | — | — |
3. BFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs BFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Bank First Corporation (NASDAQ: BFC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $150.95 (+1.29% 1D, market cap $1.67B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, BFC ranks #461 in composite RQD confidence.
How does BFC compare to QCRH and CNOB in the Financials sector?
Within the Financials sector (Major Banks), BFC carries a Roarable D+ (58/100 RQD), trailing P/E of 23.4x, gross margin of —, and ROIC of 11.1%. By comparison, QCRH (QCR Holdings Inc.) holds a C grade (64/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.69B) and CNOB (ConnectOne Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.65B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).
What are the biggest fundamental strengths and SEC risk factors for BFC?
Per BFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001746109), Bank First Corporation generated $1.89B in revenue (+0.2% YoY), $71.5M in net income, and $51.0M in free cash flow against $4.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is BFC trading relative to its 50-day, 200-day, and 52-week technical levels?
BFC last traded at $150.95 (+1.29% on volume of 70,958 shares), positioning the stock +0.49% above its 50-day simple moving average ($150.21) and +3.79% above its 200-day simple moving average ($145.44). Across its 52-week range of $119.08 to $159.10, BFC sits at the 79.6% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($142.35 to $159.55).
BFC — Bank First Corporation: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Bank First Corporation (BFC) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $150.95 (+1.29% 1D, market capitalization $1.67B).
- Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 11.1%, gross margin of —, operating margin of —, and free cash flow yield of 3.06%.
- Whale 13F & Options Flow (10/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Bank First Corporation (BFC) is a NASDAQ-listed company in the Financials sector, Major Banks industry. Market capitalization is listed as $1.7B in the profile.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Bank First Corporation (BFC) reported $1.89B in annual revenue (up from $1.89B in FY2024, +0.2% YoY) and $71.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($335.3M revenue, $74.5M net income) through FY2025, BFC scaled operating cash flow to $62.5M and free cash flow to $51.0M, backed by $4.51B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 3.06% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $119.08 – $159.10 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 23.4x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Major Banks (Financials), BFC carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can BFC sustain or expand its — operating margin and 11.1% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $1.89B and free cash flow of $51.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is BFC's 21.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
BFC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Bank First Corporation (BFC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank First Corporation (BFC) market action, institutional positioning, and fundamental catalysts.
See 25 dividend stocks with recent payout hikes, including top picks, fair value upside, yield, and risk flags.
Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
BFC Bull vs. Bear Conversation Board — What's Your Call at $150.95?
Net income recovered to $71.5M in FY 2025 from $65.6M in FY 2024, with a 0.5 Debt/Equity ratio and 11.1% ROIC.
The street is overcomplicating Bank First Corporation (BFC). Net income recovered to $71.5M in FY 2025 from $65.6M in FY 2024, with a 0.5 Debt/Equity ratio and 11.1% ROIC.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $160.95.
@SkepticalCFA Fair point on 23.4x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Free cash flow declined to $51.0M in FY 2025 from $58.6M in FY 2024, and Q3 earnings and revenues reportedly lagged estimates.
Careful chasing BFC at $149.03. Free cash flow declined to $51.0M in FY 2025 from $58.6M in FY 2024, and Q3 earnings and revenues reportedly lagged estimates.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $116.24 on multiple compression.