Bank First Stock Buy Hold or Sell Recommendation

BFC
 Stock
  

USD 76.72  0.91  1.20%   

Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Bank First National is 'Strong Buy'. Macroaxis provides Bank First buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding BFC positions. The advice algorithm takes into account all of Bank First's available fundamental, technical, and predictive indicators you will find on this site.
  
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The advice is provided from Bank First's buy-and-hold perspective. Continue to Bank First Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as Bank First and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards Bank First National.

Execute Bank First Buy or Sell Advice

The Bank First recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Bank First National. Macroaxis does not own or have any residual interests in Bank First National or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Bank First's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Bank FirstBuy Bank First
Strong Buy

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

UndervaluedDetails

Odds of Distress

Below AverageDetails

Economic Sensitivity

Follows the market closelyDetails

Analyst Consensus

HoldDetails

Financial Strenth (F Score)

FrailDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Bank First National has a Risk Adjusted Performance of 0.0855, Jensen Alpha of 0.1743, Total Risk Alpha of 0.2413, Sortino Ratio of 0.218 and Treynor Ratio of 0.1232
Macroaxis provides unbiased investment recommendation on Bank First National that should be used to complement current analysts and expert consensus on Bank First National. Our trade advice engine determines the company's potential to grow exclusively from the perspective of an investors' current risk tolerance and investing horizon. To make sure Bank First is not overpriced, please confirm all Bank First National fundamentals, including its shares owned by institutions, price to sales, net income, as well as the relationship between the price to earning and gross profit . Given that Bank First National has a number of shares shorted of 214.82 K, we suggest you to validate Bank First National market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

Bank First Trading Alerts and Improvement Suggestions

Bank First National was previously known as BANK FIRST CORP and was traded on NASDAQ Exchange under the symbol BFNC.
Bank First National has a frail financial position based on the latest SEC disclosures
About 15.0% of the company shares are held by company insiders
Latest headline from www.defenseworld.net: Vanguard Total Stock Market ETF is Affiance Financial LLCs 4th Largest Position - Defense World

Bank First current analysts advice

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Bank First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Bank First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Mean Price84.00
Target Median Price84.00
Target High Price84.00
Recommendation Mean2.00
Number Of Analyst Opinions2
Target Low Price84.00
The consensus estimates and target price estimation comprises individual analyst assessments, and may or may not mutch the Macroaxis buy or sell advice. It is determined by taking an average of all analyst recommendations and classifying them as Strong Buy, Buy, Hold, or Sell.

Bank First Returns Distribution Density

The distribution of Bank First's historical returns is an attempt to chart the future uncertainty of Bank First's future price movements. The chart of the probability distribution of Bank First stock daily returns describes the distribution of returns around its average expected value. We use Bank First National price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Bank First returns is essential to provide solid investment advice for Bank First stock.
Mean Return0.08Value At Risk-1.68
Potential Upside2.16Standard Deviation1.28
 Return Density 
      Distribution 
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Bank First historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Bank First Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Bank First is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Bank First National backward and forwards among themselves. Bank First's institutional investor refers to the entity that pools money to purchase Bank First's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Blackrock IncCommon Shares451.2 K32.5 M
Associated BanccorpCommon Shares405.4 K29.2 M
Vanguard Group IncCommon Shares320.8 K23.1 M
State Street CorpCommon Shares129.2 K9.3 M
Geode Capital Management LlcCommon Shares108.7 K7.8 M
Northern Trust CorpCommon Shares73.7 K5.3 M
Synovus Financial CorpCommon Shares60.1 K4.3 M
Note, although Bank First's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Bank First Cash Flow Accounts

201720182019202020212022 (projected)
Capital Expenditure(2.83 M)(7.48 M)(7.27 M)(8.09 M)(8.17 M)(8.38 M)
Depreciation Amortization and Accretion1.26 M1.87 M2.34 M3.17 M3.19 M2.78 M
Net Cash Flow or Change in Cash and Cash Equivalents21.82 M5.77 M(21.29 M)83.77 M126.64 M136.64 M
Net Cash Flow Business Acquisitions and Disposals(5 M)2.94 M(20.03 M)39.11 M4.49 M4.84 M
Issuance Purchase of Equity Shares(2.73 M)(9.1 M)(4.21 M)(4.35 M)(8.16 M)(8.8 M)
Issuance Repayment of Debt Securities17.46 M(24.58 M)54.38 M(50.7 M)(10.63 M)(10.91 M)
Payment of Dividends and Other Cash Distributions(4.05 M)(4.53 M)(5.46 M)(6.15 M)(8.73 M)(8.96 M)
Net Cash Flow from Financing44.92 M12.81 M62.21 M245.83 M180.24 M194.47 M
Net Cash Flow from Investing(41.42 M)(30.1 M)(106.15 M)(206.03 M)(93.89 M)(101.3 M)
Net Cash Flow Investment Acquisitions and Disposals(33.93 M)(29.44 M)(80.56 M)(242.52 M)(92.36 M)(99.65 M)
Net Cash Flow from Operations18.32 M23.05 M22.65 M43.96 M40.28 M35.31 M
Share Based Compensation465 K556 K685 K1.08 M1.39 M1.18 M

Bank First Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Bank First or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Bank First stock's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Bank First stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
0.17
β
Beta against DOW0.55
σ
Overall volatility
1.30
Ir
Information ratio 0.20

Bank First Volatility Alert

Bank First National has relatively low volatility with skewness of 0.62 and kurtosis of 0.8. However, we advise all investors to independently investigate Bank First National to ensure all accessible information is consistent with the expectations about its upside potential and future expected returns. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Bank First's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Bank First's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Bank First Implied Volatility

Bank First's implied volatility exposes the market's sentiment of Bank First National stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Bank First's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Bank First stock will not fluctuate a lot when Bank First's options are near their expiration.

Bank First Fundamentals Vs Peers

Comparing Bank First's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Bank First's direct or indirect competition across all of the common fundamentals between Bank First and the related equities. This way, we can detect undervalued stocks with similar characteristics as Bank First or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Bank First's fundamental indicators could also be used in its relative valuation, which is a method of valuing Bank First by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Bank First to competition
FundamentalsBank FirstPeer Average
Return On Equity14.19 %(0.31) %
Return On Asset1.53 %(0.14) %
Profit Margin40.37 %(1.27) %
Operating Margin55.16 %(5.51) %
Current Valuation464.11 M16.62 B
Shares Outstanding7.63 M571.82 M
Shares Owned by Insiders15.31 %10.09 %
Shares Owned by Institutions26.95 %39.21 %
Number of Shares Shorted214.82 K4.71 M
Price to Earning12.70 X28.72 X
Price to Book1.83 X9.51 X
Price to Sales5.27 X11.42 X
Revenue109.28 M9.43 B
Gross Profit110.5 M27.38 B
EBITDA32.68 M3.9 B
Net Income43.76 M570.98 M
Cash and Equivalents107.36 M2.7 B
Cash per Share14.24 X5.01 X
Total Debt38.38 M5.32 B
Debt to Equity9.07 %48.70 %
Book Value Per Share41.26 X1.93 K
Cash Flow from Operations36.64 M971.22 M
Short Ratio20.85 X4.00 X
Earnings Per Share5.94 X3.12 X
Number of Employees27918.84 K
Beta0.34-0.15
Market Capitalization575.67 M19.03 B
Total Asset1.95 B29.47 B
Retained Earnings162.21 M9.33 B
Z Score8.48.72
Five Year Return1.29 %
Last Dividend Paid0.88
   Bank First exotic insider transaction detected [view details]

Bank First Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Bank First . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
Accumulation Distribution14.34
Daily Balance Of Power4.136364
Rate Of Daily Change1.01
Day Median Price76.61
Day Typical Price76.65
Market Facilitation Index0.0
Price Action Indicator0.56

About Bank First Buy or Sell Advice

When is the right time to buy or sell Bank First National? Buying financial instruments such as Bank First Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the stock market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Although Bank First investors may find it confusing at the beginning, most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2019 2020 2021 2022 (projected)
Cash and Equivalents86.45 M170.22 M296.86 M320.3 M
Total Assets2.21 B2.72 B2.94 B2.57 B

Use Investing Ideas to Build Portfolios

In addition to having Bank First in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Sports
Sports Theme
Companies in sporting activities arena as well as manufacturers of sporting goods and sport retailers. The Sports theme has 25 constituents.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Sports Theme or any other thematic opportunities.
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Continue to Bank First Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note that the Bank First National information on this page should be used as a complementary analysis to other Bank First's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.

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Is Bank First's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bank First. If investors know Bank First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bank First listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
-0.1
Market Capitalization
577.3 M
Quarterly Revenue Growth YOY
-0.044
Return On Assets
0.0153
Return On Equity
0.14
The market value of Bank First National is measured differently than its book value, which is the value of Bank First that is recorded on the company's balance sheet. Investors also form their own opinion of Bank First's value that differs from its market value or its book value, called intrinsic value, which is Bank First's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bank First's market value can be influenced by many factors that don't directly affect Bank First's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bank First's value and its price as these two are different measures arrived at by different means. Investors typically determine Bank First value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bank First's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.