Bank First Reports 4.01% Net Interest Margin in Q4
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy BFC?
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 fall
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 146.820
Low
142.00
Averages
142.00
High
142.00
Current: 146.820
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.
BANKFIRST Reports Q4 Earnings Per Share of USD 1.74
- Bank Performance: The bank reported a significant performance in Q4, with earnings per share (EPS) reaching $1.74.
- Financial Highlights: The financial results indicate strong growth and stability, reflecting the bank's effective management and strategic initiatives.
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- Quarterly Results: The financial results indicate a strong performance in the bank's operations during the specified quarter.
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- Financial Impact: This provision reflects the bank's strategy to manage potential credit risks and ensure financial stability.
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- Financial Performance: The reported figure reflects the bank's financial performance during the specified quarter.
See More
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- Bank First's Q4 Performance: Bank First reported a net interest income of USD 27.869 million for the fourth quarter.
- Financial Highlights: The financial results indicate a strong performance in net interest income, reflecting the bank's operational efficiency and growth strategies.
See More
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.
See More
BANKFIRST Reports Q4 Earnings Per Share of USD 1.74
- Bank Performance: The bank reported a significant performance in Q4, with earnings per share (EPS) reaching $1.74.
- Financial Highlights: The financial results indicate strong growth and stability, reflecting the bank's effective management and strategic initiatives.
See More
BANKFIRST REPORTS Q4 PRETAX PROFIT OF USD 13.384 MILLION
- Financial Performance: Bank First reported a pre-tax profit of $13.384 million for the fourth quarter.
- Quarterly Results: The financial results indicate a strong performance in the bank's operations during the specified quarter.
See More
BANKFIRST REPORTS Q4 CREDIT LOSS PROVISION OF USD -2.595 MILLION
- Credit Loss Provision: Bank First has reported a provision for credit losses amounting to $2.595 million for the fourth quarter.
- Financial Impact: This provision reflects the bank's strategy to manage potential credit risks and ensure financial stability.
See More
BANKFIRST REPORTS Q4 NET INCOME OF USD 10.165 MILLION
- Bank First Q4 Net Income: Bank First reported a net income of USD 10.165 million for the fourth quarter.
- Financial Performance: The reported figure reflects the bank's financial performance during the specified quarter.
See More
BANKFIRST REPORTS Q4 NET INTEREST INCOME OF USD 27.869 MILLION
- Bank First's Q4 Performance: Bank First reported a net interest income of USD 27.869 million for the fourth quarter.
- Financial Highlights: The financial results indicate a strong performance in net interest income, reflecting the bank's operational efficiency and growth strategies.
See More
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.
See More
