BFC Valuation

Bank First Corp

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129.920

-0.25(-0.192%)1D

Overview
Forecast
Valuation
Earnings

BFC Relative Valuation

BFC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BFC is overvalued; if below, it's undervalued.

Historical Valuation

Bank First Corp (BFC) is now in the Overvalued zone, suggesting that its current forward PE ratio of 15.58 is considered Overvalued compared with the five-year average of 13.47. The fair price of Bank First Corp (BFC) is between 100.99 to 121.75 according to relative valuation methord. Compared to the current price of 129.92 USD , Bank First Corp is Overvalued By 6.71%.

Relative Value

Fair Zone

100.99-121.75

Current Price：129.92

6.71%

Overvalued

15.58

Trailing

Forward

0.00

EV/EBITDA

Bank First Corp. (BFC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Bank First Corp. (BFC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

5.71

Bank First Corp. (BFC) has a current PS of 5.71. The 5-year average PS is 5.10. The thresholds are as follows: Strongly Undervalued below 3.88, Undervalued between 3.88 and 4.49, Fairly Valued between 5.71 and 4.49, Overvalued between 5.71 and 6.32, and Strongly Overvalued above 6.32. The current Forward PS of 5.71 falls within the Overvalued range.

0.00

P/OCF

Bank First Corp. (BFC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Bank First Corp. (BFC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Bank First Corp (BFC) has a current Price-to-Book (P/B) ratio of 2.09. Compared to its 3-year average P/B ratio of 1.56 , the current P/B ratio is approximately 33.32% higher. Relative to its 5-year average P/B ratio of 1.64, the current P/B ratio is about 26.92% higher. Bank First Corp (BFC) has a Forward Free Cash Flow (FCF) yield of approximately 4.43%. Compared to its 3-year average FCF yield of 4.18%, the current FCF yield is approximately 6.04% lower. Relative to its 5-year average FCF yield of 4.98% , the current FCF yield is about -11.13% lower.

2.09

P/B

Median3y

1.56

Median5y

1.64

4.43

FCF Yield

Median3y

4.18

Median5y

4.98

Competitors Valuation Multiple

The average P/S ratio for BFC's competitors is 4.13, providing a benchmark for relative valuation. Bank First Corp Corp (BFC) exhibits a P/S ratio of 5.71, which is 38.14% above the industry average. Given its robust revenue growth of 10.83%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

ConnectOne Bancorp Inc

Performance Decomposition

Market capitalization of BFC increased by 43.88% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 13.56 to 18.74.

The secondary factor is the Revenue Growth, contributed 10.83%to the performance.

Overall, the performance of BFC in the past 1 year is driven by P/E Change. Which is more unsustainable.

10.83%

32.46M → 35.97M

Revenue Growth

-5.19%

49.48 → 46.91

Margin Expansion

38.24%

13.56 → 18.74

P/E Change

43.88%