Bank First Stock Valuation

BFC
 Stock
  

USD 80.24  0.40  0.50%   

Do you wonder what the value of Bank First National is? Calculating the true value of any business is not as easy as it may seem. While the market cap of a public entity, such as Bank First, is its stock price multiplied by the total number of shares outstanding, calculating Bank First's enterprise value requires a different approach. It uses Bank First's balance sheet items such as long-term debt, the book value of the preferred stock, minority interest, and other important financials.
The current year Enterprise Value is expected to grow to about 322.2 M, whereas Free Cash Flow is forecasted to decline to about 28.1 M.
Bank First National shows a prevailing Real Value of $83.51 per share. The current price of the firm is $80.24. At this time, the firm appears to be undervalued. Our model approximates the value of Bank First National from analyzing the firm fundamentals such as Profit Margin of 40.09 %, return on equity of 14.14 %, and Shares Outstanding of 7.46 M as well as examining its technical indicators and Probability Of Bankruptcy. In general, we favor taking in undervalued instruments and trading overvalued instruments since, at some point, asset prices and their ongoing real values will blend.
  
Bank First Valuation Module provides a unique way to ballpark how much the company is worth today. It is done using both, our quantitative analysis of the company fundamentals as well as its intrinsic market price estimation to project the real value. We also take into consideration other essential factors such as Bank First's management style, its c-level domain expertise and tenure, its overall leadership history as well as current capital structure, and future earnings potential.

Bank First Most Recent Valuation Data

Price Book
1.82
EPS Estimate Next Quarter
1.57
Price Sales
6.64
Forward Annual Dividend Yield
0.0123
Dividend Share
0.87
Ex Dividend Date
2022-09-20
Undervalued
Today 80.24
Please note that Bank First's price fluctuation is very steady at this time. Calculation of the real value of Bank First National is based on 3 months time horizon. Increasing Bank First's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for Bank First National is useful when determining the fair value of the Bank First stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of Bank First. Since Bank First is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Bank First Stock. However, Bank First's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
83.51
Real Value
84.94
Upside
Estimating the potential upside or downside of Bank First National helps investors to forecast how Bank First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Bank First more accurately as focusing exclusively on Bank First's fundamentals will not take into account other important factors:
Earnings
Estimates (1)
LowProjected EPSHigh
5.845.845.84
Details
Hype
Prediction
LowEstimated ValueHigh
79.0080.4381.86
Details
Potential
Annual Dividend
LowIncome Per ShareHigh
0.860.870.88
Details
1 Analysts
Consensus
LowTarget PriceHigh
76.0076.0076.00
Details
Traditionally analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Bank First's intrinsic value based on its ongoing forecasts of Bank First's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Bank First's closest peers. When choosing an evaluation method for Bank First National, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using both methods to arrive at a better estimate.

Bank First Investments

2.22 Billion

Bank First Valuation Drivers Correlation

Many accounts on the financial statements of Bank First National are highly interrelated and sometimes correlated. Consequently, when conducting Bank First's valuation analysis, one should examine all of the accounts reported to obtain a complete picture of its financial situation. We provide a unique feature to present a conventional correlation table purposely composed against different valuation-related drivers of Bank First
Click cells to compare fundamentals

Bank First Valuation Trend

Knowing Bank First's actual value is paramount for traders to make sound investment determinations. Bank First's real value is not only important for the investor to make better decisions but also for a more accurate overall view of Bank First's financial worth over time since having this information enables investors and analysts to forecast the earnings more efficiently. Using both Bank First's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing descisions.

Bank First Market Cap

Bank First National is number one stock in market capitalization category among related companies. Market capitalization of Banks—Regional industry is currently estimated at about 51.33 Billion. Bank First claims roughly 604.38 Million in market capitalization contributing just under 2% to stocks in Banks—Regional industry.
Capitalization  Revenue  Total debt  Valuation  Workforce

Bank First Valuation Ratios as Compared to Competition

Comparative valuation techniques use various fundamental indicators to help in determining Bank First's current stock value. Our valuation model uses many indicators to compare Bank First value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bank First competition to find correlations between indicators driving Bank First's intrinsic value. More Info.
Bank First National is number one stock in price to sales category among related companies. It is number one stock in price to book category among related companies fabricating about  0.35  of Price to Book per Price to Sales. The ratio of Price to Sales to Price to Book for Bank First National is roughly  2.84 . As of August 17, 2022, Price to Book Value is expected to decline to 1.67. Comparative valuation analysis is a catch-all model that can be used if you cannot value Bank First by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Bank First's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bank First's earnings, one of the primary drivers of an investment's value.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Bank First's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Bank First and how it compares across the competition.

About Bank First Valuation

The stock valuation mechanism determines the current worth of Bank First National on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of Bank First National. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Bank First National based exclusively on its fundamental and basic technical indicators. By analyzing Bank First's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Bank First's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Bank First. We calculate exposure to Bank First's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to Bank First's related companies.
Fiscal Year End
December
Industry
Banks-Regional
Concentration
Regional Banks
Full Time Employees
285.0
Service Category
Banks
Employer Id Number
39-1435359
Last ReportedProjected for 2022
Gross Profit110.5 M99 M
Profit Margin 0.41  0.38 
Bank First Corporation operates as a holding company for Bank First N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin. Bank First operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 285 people.

Bank First Quarterly Enterprise Value

501.47 Million

Bank First's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Bank First's value is low or high relative to the company's performance and growth projections. Determining the market value of Bank First can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Bank First represents a small ownership stake in the entity. As a stockholder of Bank First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Bank First Dividends Analysis For Valuation

As of August 17, 2022, Payment of Dividends and Other Cash Distributions is expected to decline to about (9 M). In addition to that, Dividend Yield is expected to decline to 0.0146. The current year Price to Earnings Ratio is expected to grow to 12.22, whereas Accumulated Retained Earnings Deficit are forecasted to decline to about 220.1 M.
Last ReportedProjected for 2022
Payment of Dividends and Other Cash Distributions-8.7 M-9 M
Dividend Yield 0.016  0.0146 
Dividends per Basic Common Share 1.14  1.03 
There are various types of dividends Bank First can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Bank First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Bank First National directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Bank First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Bank First by the value of the dividends paid out.

Bank First Valuation Growth Rates

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as Bank First does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Earnings Quarterly Growth0.90%
Revenue Growth3.70%
Payout Ratio14.95%
Earnings Growth3.50%
Enterprise Value To Revenue5.27

Bank First Current Valuation Indicators

Valuation refers to the process of determining the present value of Bank First National and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Bank First we look at many different elements of the entity such as Bank First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. Bank First's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Bank First's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Bank First, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Bank First's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Bank First's worth.
Continue to Trending Equities. 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 Content Syndication module to quickly integrate customizable finance content to your own investment portal.

Complementary Tools for Bank First Stock analysis

When running Bank First National price analysis, check to measure Bank First's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bank First is operating at the current time. Most of Bank First's value examination focuses on studying past and present price action to predict the probability of Bank First's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Bank First's price. Additionally, you may evaluate how the addition of Bank First to your portfolios can decrease your overall portfolio volatility.
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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
0.035
Market Capitalization
732.3 M
Quarterly Revenue Growth YOY
0.037
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.