Bank First Corporation, established in 1894 and headquartered in Manitowoc, Wisconsin, functions as the parent entity for Bank First N.A. This financial ...
Bank First Corporation is a regional financial-services company headquartered at 402 North 8th Street in Manitowoc, Wisconsin. Established in May 1894, the company operates primarily through its wholly owned banking subsidiary, Bank First, N.A. The bank follows a relationship-focused community-banking model, combining local decision-making with a broad range of financial ...Bank First Corporation is a regional financial-services company headquartered at 402 North 8th Street in Manitowoc, Wisconsin. Established in May 1894, the company operates primarily through its wholly owned banking subsidiary, Bank First, N.A. The bank follows a relationship-focused community-banking model, combining local decision-making with a broad range of financial products. Its customer base includes small and medium-sized businesses, professionals, households, nonprofit associations, municipalities, and other governmental organizations.
The company’s principal business is gathering deposits and using those funds to originate loans. Deposit products include checking, savings, money-market, retirement, health-savings, certificate-of-deposit, and other time-deposit accounts. Lending activities cover commercial real estate, commercial and industrial borrowing, working-capital facilities, accounts-receivable and inventory financing, construction and development loans, residential mortgages, home-equity loans, one-to-four-family real-estate loans, and secured or unsecured consumer installment loans and revolving credit lines. This diversified loan portfolio allows Bank First to support both business expansion and household financial needs.
Bank First also generates fee-based and service-related revenue through treasury management, credit cards, automated teller machine services, insurance, data and information-technology processing, investment and safekeeping services, trust administration, and wealth-management offerings. Customers can access accounts through branch offices, online banking, telephone banking, and mobile applications. The company’s public materials indicate a network of approximately 38 banking locations serving Wisconsin and Illinois, while other supplied filings and summaries describe a Wisconsin branch footprint; the exact operating footprint may vary by reporting date or source definition.
Michael Molepske serves as chief executive officer and chairman of Bank First Corporation and Bank First, N.A. The company reported approximately 554 full-time equivalent employees in the supplied corporate information, placing it in the 501-1000 employee category. Bank First Corporation trades on the Nasdaq Capital Market under the ticker BFC. Its current corporate name was adopted in June 2019, when it changed from Bank First National Corporation. Financially, the supplied trailing data show a regional-bank profile with approximately $1.72 billion in market capitalization, a return on equity of about 11.1%, a net profit margin of approximately 27.8%, and a dividend of $1.95 per share. As with all banks, key business risks include credit losses, interest-rate movements, deposit costs, liquidity conditions, regulatory requirements, cybersecurity exposure, economic conditions in its service markets, and competition from larger banks, credit unions, fintech providers, and mortgage lenders.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$240.4M
+7.7%
+1.7%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$71.5M
+9.0%
+23.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+70.3%
+1.0%
+0.1%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+36.7%
+3.0%
+22.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+29.7%
+1.2%
+21.4%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$51.0M
-12.9%
+222.4%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+21.2%
-19.2%
+220.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
19.2%
-16.7%
-16.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
1.84x
+1525.2%
—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.