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TickerTalks›$BFC
BFBFC

Bank First Corporation

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsCoiling in a constructive baseQuiet on X (18 mentions/wk)
$BFC·$1.7B·Banks - Regional·Financial Services
$151.24+1.7%YTD+21.6%1Y+18.0%
Mentions · last 7 days
2026-07-20: 0 posts2026-07-21: 3 posts2026-07-22: 3 posts2026-07-23: 5 posts2026-07-24: 4 posts2026-07-25: 2 posts2026-07-26: 1 posts18+6%
Price updated 7m ago·X counts updated 2d ago
BFBFC
$BFCBank First Corporation
$151.24+1.73%18 posts+6%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $BFC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-07-25

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Bank First just beat Q2 and got upgraded to Strong Buy — up 23% YTD as the Wisconsin regional-bank thesis extends past the Center Bancorp integration.

Bank First Corporation is a US-listed Wisconsin-based regional bank (Manitowoc HQ, est. 1894) providing consumer and commercial banking services throughout Wisconsin. Shares are up 23% year-to-date and 18% over twelve months at $150.78 above the 50-day and 200-day MAs, and October 20 Q3 earnings is the next scheduled catalyst.

  • Q2 2026 just landed as a beat: revenue grew 47% YoY to $85.7M with 76% gross margin, and EPS of $2.45 beat the $2.40 estimate by 2.1% per the July 21 8-K — the trajectory reflects the completed Center Bancorp integration that stepped revenue growth up sharply from mid-single-digits to 40-47% across the last two quarters.
  • The July 24 Zacks Strong Buy upgrade is a specific institutional signal: ("Bank First Corporation (BFC) Upgraded to Strong Buy") — reflecting the well-guided fundamentals and the current 19x PE that has room to expand if the integration-driven earnings-trajectory continues.
  • The June 23 three-new-directors election is a specific governance event: BFC disclosed the election of three new directors (SriRaj Kantamneni and others) — strengthening the board post-integration, and it aligns with the June 17 Meghann Kasper CCO Form 3.
  • Recent earnings-surprise pattern is consistently positive: Q2 beat 2.1%, Q1 missed 6.7%, Q4 fiscal 2025 beat 10.5%, Q3 beat 3.2% — a well-guided regional bank with modest positive surprises driving the multiple expansion.

October 20 Q3 2026 earnings is the next real hurdle — a beat with continued 40%+ revenue growth plus commentary on Center Bancorp integration-margin trajectory, Wisconsin-commercial-lending pipeline, and any capital-return update could extend this leg toward $175+; a specific credit-quality concern or integration-cost overhang is the near-term risk given the T12M move.

What to watch: October 20 Q3 2026 earnings — Q3 revenue growth continuation at 40%+, Center Bancorp integration-margin trajectory, Wisconsin-commercial-lending pipeline, and capital-return update; credit-quality concern or integration-cost overhang is the sell tell.

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

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What it does

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

Bank First Corporation, established in 1894 and headquartered in Manitowoc, Wisconsin, functions as the parent entity for Bank First N.A. This financial institution delivers a comprehensive array of consumer and commercial financial solutions throughout Wisconsin, catering to a diverse clientele including businesses, professionals, individuals, associations, and governmental bodies. Its product suite encompasses various deposit accounts such as checking, savings, money market, retirement, and health savings accounts, alongside certificates of deposit and other time deposit options. It also provides residential mortgage products. Beyond core banking, Bank First offers credit cards, ATM services, insurance, data and information technology processing, investment and safekeeping services, and treasury management. Customers can also access their finances through online, telephone, and mobile banking platforms. The company's lending portfolio is extensive, covering various needs. It includes real estate financing, such as commercial property loans, residential mortgages, and home equity loans. For businesses, it provides commercial and industrial loans designed for working capital, accounts receivable and inventory financing, and other operational requirements. Further loan types include construction and development financing, residential loans for 1-4 family properties, and a range of consumer loans for personal and household use, offering both secured and unsecured installment loans as well as revolving lines of credit. Bank First Corporation operates through 21 branches situated across nine Wisconsin counties: Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe, and Jefferson. The company adopted its current name, Bank First Corporation, in June 2019, having previously operated as Bank First National Corporation.

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

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%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$2.40+2.1%
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$9.90 – $9.981
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.+2.7%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.+8.7%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 today1.1% 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.β0.415-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

BuyApr 22Todd A. SprangDirector450 sh$63KBuyApr 21Michael S Stayer-suprickDirector225 sh$32KSellFeb 11Steven M EldredDirector8.0K sh$1.2MSellFeb 6Steven M EldredDirector8.0K sh$1.2M
+ 20 other (14 awards · 3 gifts · 3 inkinds) 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
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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

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
3New insider — initial holdingsJan 303
+ 15 other (4 earnings 8-Ks · 2 proxys · 2 13Gs · 1 S-4) in window

Recent news

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

Bank First Corporation (BFC) Upgraded to Strong Buy: What Does It Mean for the Stock?zacks.com·4d agoBank First Announces Net Income for the Second Quarter of 2026prnewswire.com·4d agoBank First Corporation (BFC) Tops Q2 Earnings and Revenue Estimateszacks.com·7d agoNew Strong Sell Stocks for June 17thzacks.com·42d agoNew Strong Sell Stocks for June 15thzacks.com·44d 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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