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BFBFC

Bank First Corporation

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsRecent insider buyingQuiet on X (21 mentions/wk)
$BFC·$1.8B·Banks - Regional·Financial Services
$153.48-1.0%YTD+25.5%1Y+19.6%
Price updated 4h ago·X counts updated 1d ago
BFBFC
$BFCBank First Corporation
$153.48-1.03%21 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $BFC on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

21X posts · last 7 days
Aug 26Sep 8

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $BFC — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-09

The move is getting stronger, with heavier trading behind it.

Bank First up 27% YTD at 90% of 52-week range — a regional bank compounder with 47% Q1 revenue growth.

Bank First Corporation is a Wisconsin-focused community bank — deposit gathering, commercial lending, and treasury management for regional businesses. Up 27% YTD and 19% over 12 months on real operational execution.

  • Q1 revenue grew 46.6% YoY to $86M with 35% operating margins and $2.21 EPS — genuinely exceptional profitability for a regional bank, and the analyst FY EPS at $10+ supports the 19x TTM P/E as reasonable given the growth.
  • Position at 90% of the 52-week range and 10% above the 200-day — a fully confirmed acceleration, and hitting a new 52-week high validates the technical setup.
  • Director Pearson bought $160K on Aug 17 — a modest but real open-market director buy at these levels, and Deutsche Bank's fresh position adds institutional flow.

The Oct 20 Q3 print at $2.63 estimated EPS is the fundamental test — a beat with continued deposit growth and firm commercial-loan-book commentary sustains the acceleration; a specific credit-quality event or a Wisconsin-regional recession signal is what turns this from accelerating into a first cooling.

What to watch: The Oct 20 Q3 print at $2.63 estimated EPS — specifically deposit growth and commercial loan-book quality. A beat plus firm deposits sustains acceleration; credit-quality issues or Wisconsin recession signals cool the tape.

On the calendar: 2026-10-20 — Q3 2026 earnings

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Read the AI verdict on $BFC

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Wisconsin community bank serving commercial and retail clients through Bank First N.A. since 1894.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $BFC.

Banks - Regional · Financial Services

Regional banks have stabilised after 2023 deposit-crisis concerns; NIM recovery is underway as funding costs peak and loan repricing continues. AI-powered commercial-lending underwriting and digital-banking features are differentiators for mid-size regional banks.

What this means for $BFC

Neutral — BankFinancial Corp; community bank, limited AI-banking angle.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+14.5%YTD
+13.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
19.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
34.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
1.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
5.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
11.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
74.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 21, 2026$2.45$2.28+7.5%
Q1 2026Apr 16, 2026$2.24$2.40-6.7%
Q4 2025Jan 22, 2026$2.00$1.81+10.5%
Q3 2025Oct 21, 2025$1.91$1.85+3.2%
Next earningsTue, Oct 20·consensus EPS $2.63

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$85.7M+46.6%75.9%35.7%$2.21—
Q1 FY26$84.3M+39.4%75.8%29.3%$1.78$-16.9M
Q4 FY25$61.4M+5.2%73.2%37.3%$1.87$26.3M
Q3 FY25$60.1M+3.9%70.3%37.4%$1.83$12.5M

Forward consensus

2-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$264.1M$264.1M – $264.1M$9.95$9.61 – $10.281
FY27$307.6M$307.6M – $307.6M$11.31$10.65 – $11.971

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.86%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+8.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 10.1M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.405-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyAug 17Tracy C PearsonDirector1.0K sh$161KBuyApr 22Todd A. SprangDirector450 sh$63KBuyApr 21Michael S Stayer-suprickDirector225 sh$32K
+ 2 other (2 gifts) in window

See when $BFC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsAug 63
AI summary

Kantamneni SriRaj (Last) (First) (Middle) 402 NORTH 8TH STREET (Street) MANITOWOC WISCONSIN 54220 (City) (State) (Zip) UNITED STATES (Country) 2. Date of Event Requiring Statement (Month/Day/Year) 06/16/2026 3. Issuer Name and Ticker or Trading Symbol Bank First Corp [ BFC ] 3a. Foreign Trading Symbol 5. If Amendment, Date of Original Filed (Month/Day/Year) 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below) 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person Table I - Non-Derivative Securities Beneficially Owned 1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5) Date Exercisable Expiration Date Title Amount or Number of Shares Explanation of Responses: Remarks: Exhibit List: Exhibit 24 - Power of Attorney No securities are beneficially owned. /s/ Kelly M. Dvorak, attorney in fact 08/05/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one reporting person, see Instruction 5 (b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. * Form 3: SEC 1473 (03-26) filed an initial statement of beneficial ownership (Form 3) as a Director of BFC, with an event date of 1473. This is a routine insider-ownership disclosure with no indication of open-market purchases or activist intent.

3New insider — initial holdingsAug 63
AI summary

Pearson Tracy C (Last) (First) (Middle) 402 NORTH 8TH STREET (Street) MANITOWOC WISCONSIN 54220 (City) (State) (Zip) UNITED STATES (Country) 2. Date of Event Requiring Statement (Month/Day/Year) 06/16/2026 3. Issuer Name and Ticker or Trading Symbol Bank First Corp [ BFC ] 3a. Foreign Trading Symbol 5. If Amendment, Date of Original Filed (Month/Day/Year) 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below) 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person Table I - Non-Derivative Securities Beneficially Owned 1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5) Date Exercisable Expiration Date Title Amount or Number of Shares Explanation of Responses: Remarks: Exhibit List: Exhibit 24 - Power of Attorney No securities are beneficially owned. /s/ Kelly M. Dvorak, attorney in fact 08/05/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one reporting person, see Instruction 5 (b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. * Form 3: SEC 1473 (03-26) filed an initial statement of beneficial ownership (Form 3) as a Director of BFC, with an event date of 1473. This is a routine insider-ownership disclosure with no indication of open-market purchases or activist intent.

3New insider — initial holdingsAug 63
AI summary

Ring William J (Last) (First) (Middle) 402 NORTH 8TH STREET (Street) MANITOWOC WISCONSIN 54220 (City) (State) (Zip) UNITED STATES (Country) 2. Date of Event Requiring Statement (Month/Day/Year) 06/16/2026 3. Issuer Name and Ticker or Trading Symbol Bank First Corp [ BFC ] 3a. Foreign Trading Symbol 5. If Amendment, Date of Original Filed (Month/Day/Year) 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below) 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person Table I - Non-Derivative Securities Beneficially Owned 1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common Stock 2,590 I By Trust Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5) Date Exercisable Expiration Date Title Amount or Number of Shares Explanation of Responses: Remarks: Exhibit List: Exhibit 24 - Power of Attorney /s/ Kelly M. Dvorak, attorney in fact 08/05/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one reporting person, see Instruction 5 (b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. * Form 3: SEC 1473 (03-26) filed an initial statement of beneficial ownership (Form 3) as a Director of BFC, with an event date of 1473. The filer directly owns 2,590 shares of common stock. This is a routine insider-ownership disclosure with no indication of open-market purchases or activist intent.

8-KOfficer or director changeJun 238-K — Item 5.02: Officer or director change
AI summary

Bank First Corporation (BFC) disclosed on June 23, 2026 that its Board elected three new directors — SriRaj Kantamneni, Tracy C. Pearson, and William J. Ring — each to serve a three-year term. All three were simultaneously elected to the board of Bank First, N.A., the company's wholly owned banking subsidiary. No financial terms, committee assignments, or biographical details were provided in the 8-K. The addition of three directors simultaneously suggests a planned board expansion, likely related to governance enhancement or M&A integration needs at the Wisconsin-based community bank.

8-KOfficer or director changeJun 188-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote · Item 7.01: Press release / Reg FD
AI summary

Bank First Corporation (BFC) held its 2026 Annual Meeting on June 15, 2026, where stockholders elected three directors (Steven M. Eldred, Timothy J. McFarlane, Todd A. Sprang), ratified Forvis Mazars, LLP as auditor, approved executive compensation on an advisory basis, and approved an amendment to the Articles of Incorporation. Separately, director Stephen E. Johnson retired from the Board effective June 15, 2026. The company also disclosed a Reg FD investor presentation made at the Annual Meeting. The smooth vote outcomes — all proposals passed comfortably — and the Articles amendment signal routine corporate housekeeping with no activist pressure visible.

3New insider — initial holdingsJun 173
AI summary

Meghann O. Kasper, Chief Credit Officer of Bank First Corporation (BFC), filed an initial Form 3 on June 17, 2026, disclosing direct beneficial ownership of 6,165 shares of common stock as of June 16, 2026. No derivative securities were reported. The filing reflects Kasper's initial Section 16 disclosure as a newly reportable officer, consistent with Bank First's recent series of director and officer governance changes at its June 2026 Annual Meeting. The modest share count is typical for a community bank officer at initial disclosure.

8-KMaterial agreementMay 198-K — Item 1.01: Material agreement · Item 8.01: Other event
8-KPress release / Reg FDApr 228-K — Item 7.01: Press release / Reg FD
+ 16 other (4 earnings 8-Ks · 2 10-Qs · 2 proxys · 1 EFFECT) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Fed and Treasury at Oddsetftrends.com·11h agoDeutsche Bank AG Acquires New Stake in Bank First National Corporation $BFCdefenseworld.net·11d agoBank First National (NASDAQ:BFC) Hits New 52-Week High – Time to Buy?defenseworld.net·23d agoBFC PARTNERS AND SAA CANOPY GROUP CLOSE ON $269M CONSTRUCTION LOAN FOR MAJOR RENOVATION OF PARKSIDE COMMONS IN SYRACUSE, NEW YORKprnewswire.com·41d agoBank First Corporation (BFC) Upgraded to Strong Buy: What Does It Mean for the Stock?zacks.com·48d ago

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Voices on X · last 7 days

No standout posts about $BFC on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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