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Intrinsic value of Bank First National Corporation (BFC)

Previous Close$80.10
Intrinsic Value
Upside potential
Previous Close
$80.10
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh36.36 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to individuals and businesses in Wisconsin. The company offers demand, time, and savings deposits; checking, savings, money market, cash management, retirement, and health savings accounts; certificates of deposit; and residential mortgage products. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans. It also provides credit cards; ATM processing; insurance; data processing and information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. It operates through 22 branches in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, Jefferson, and Barron counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %5.2NaN
Revenue, $108NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m49NaN
Operating income, $m60NaN
EBITDA, $m65NaN
Interest expense (income), $mNaN
Earnings before tax, $m60NaN
Tax expense, $m15NaN
Net income, $m45NaN

BALANCE SHEET

Cash and short-term investments, $m297NaN
Total assets, $m2944NaN
Adjusted assets (=assets-cash), $m2647NaN
Average production assets, $m106NaN
Working capital, $m-65NaN
Total debt, $m68NaN
Total liabilities, $m2621NaN
Total equity, $m323NaN
Debt-to-equity ratio0.211NaN
Adjusted equity ratio0.028NaN

CASH FLOW

Net income, $m45NaN
Depreciation, amort., depletion, $m5NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m39NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-8NaN
Free cash flow, $m47NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-65
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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