Bank First Reports 4.01% Net Interest Margin in Q4
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 6d ago
0mins
Net interest margin was 4.01% for the fourth quarter of 2025, compared to 3.88% for the previous quarter and 3.61% for the fourth quarter of 2024. "We are pleased to announce that the company's annual earnings per share increased by more than 15% despite incurring $1.5 million in expenses related to the merger with Centre, the parent company of First National Bank and Trust Company, headquartered in Beloit, Wisconsin," stated Mike Molepske, Chairman and CEO of Bank First. "The acquisition of FNBT is the most transformational event in Bank First's 131-year history, bringing together two relationship-based, community-focused organizations. This acquisition is more than twice the size of our largest previous merger, expands us into Walworth, Rock, and Green Counties in Wisconsin, and into Winnebago County in Illinois, and brings Trust and Wealth Management to Bank First."
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Analyst Views on BFC
Wall Street analysts forecast BFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BFC is 142.00 USD with a low forecast of 142.00 USD and a high forecast of 142.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 135.880
Low
142.00
Averages
142.00
High
142.00
Current: 135.880
Low
142.00
Averages
142.00
High
142.00
About BFC
Bank First Corporation provides financial services through its subsidiary, Bank First, N.A. (the Bank). The Bank operates as a full-service financial institution. The Bank operates at approximately 38 branch locations across Wisconsin and the Stateline area of Illinois, to serve individuals, businesses, and communities throughout the region. The Bank’s products and services include personal, business, wealth, cards and other services. The Bank’s personal products include checking accounts, money market accounts, savings accounts, personal loans, mortgages, military and veteran products, electronic banking, certificate of deposit accounts, and student products. Its business products include business checking, business loans, business money market accounts, business savings, electronic banking for business, and treasury management. Its wealth products include trust and wealth management and brokerage services. Its card products include debit cards, credit cards and business credit cards.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Bank First (BFC) Declares $0.50 Quarterly Dividend, 11.1% Increase
- Dividend Increase: Bank First has declared a quarterly dividend of $0.50 per share, marking an 11.1% increase from the previous $0.45, which reflects the company's ongoing profitability and boosts investor confidence.
- Yield Metrics: The forward yield of 1.47% provides shareholders with a stable cash flow, enhancing the company's attractiveness in a competitive financial market.
- Payment Schedule: The dividend is payable on April 8, with a record date of March 25 and an ex-dividend date also on March 25, ensuring timely returns for shareholders and demonstrating the company's commitment to shareholder value.
- Financial Health Indicators: The dividend growth aligns with Bank First's historical earnings data, indicating that the company can provide higher returns to shareholders based on sustained profitability, thereby enhancing its long-term investment appeal.
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Bank First (BFC) Q4 Non-GAAP EPS of $2.00 Beats Expectations
- Strong Earnings Performance: Bank First reported a Q4 non-GAAP EPS of $2.00, exceeding market expectations by $0.19, which demonstrates robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved $45 million in revenue for Q4, marking a 12.2% year-over-year increase, surpassing analyst expectations by $1.15 million, reflecting ongoing business expansion and improved market demand.
- Positive Market Ratings: Bank First's financial performance and profitability have been recognized by the market, as indicated by Seeking Alpha's Quant Rating, enhancing its competitive position in the financial sector.
- Stable Dividend Performance: The dividend scorecard for Bank First indicates a solid dividend policy, attracting income-seeking investors and strengthening the company's appeal in the capital markets.
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