Bank First Corporation cash flow to debt ratio of 50.57% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Bank First Corporation's free cash flow has decreased 12.94% from $58.62M last year to $51.04M, signaling decreasing performance

Bank First Corporation's debt to equity ratio is 0.13, which means that the company's assets are healthy financed, signaling financial stability.

Bank First Corporation's debt has decreased relative to shareholder equity from 0.23 last year to 0.13 today, signaling strengthened financials

Bank First Corporation has a net debt to EBITDA ratio of 0.73x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Bank First Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Bank First Corporation's profit margin has decreased (5.33%) in the last year from 29.37% to 27.80%, signaling decreasing performance

Bank First Corporation's short-term assets of $55.34M exceed its short-term liabilities of $30.09M

Bank First Corporation's return on assets of 1.36% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bank First Corporation's return on equity of 11.14%, is lower than 15.00%, indicating bad performance

Bank First Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Bank First Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Bank First Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Bank First Corporation has a free cash flow yield of 2.97%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bank First Corporation's yearly earnings has increased 9.05% since last year from $65.56M to $71.50M, signaling increasing performance

Bank First Corporation's yearly revenue has increased 7.71% since last year from $223.24M to $240.45M, signaling increasing performance

ROIC 1.36% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bank First Corporation's 3-year revenue CAGR of 22.51% is positive, indicating growing revenue over the past 3 years

Bank First Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Bank First Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Bank First Corporation is overvalued relative to its fair value price of 66.90 based on Discounted Cash Flow model

Bank First Corporation has an earnings yield of 4.75%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bank First Corporation is overvalued relative to its fair value price of 52.51 based on EBITDA multiple model

Bank First Corporation has an EV/EBITDA ratio of 19.03x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bank First Corporation is undervalued relative to its fair value price of 207.11 based on Earnings Fair Value model

Bank First Corporation has a PEG-ratio over 1 which is considered overvalued

Bank First Corporation has a price-to-book ratio of 2.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bank First Corporation has a price-to-sales ratio of 5.85x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue