BFC
Bank First Corporation135.42
-0.09-0.07%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
1.33BP/E (TTM)
19.05Basic EPS (TTM)
7.11Dividend Yield
0.01%Recent Filings
10-K
FY2025 results
Bank First grew assets to $4.51B by FY2025 end, with loans at $3.60B (up 2.5% y/y) led by 9.6% C&I expansion while trimming CRE concentration to 49%. Net income hit $71.5M (up 9%), net interest income $151.7M with NIM at 3.82% (up 17bps) on higher asset yields amid falling deposit costs. Q4 momentum shone via stable asset quality—nonaccruals dipped to 0.16% of loans—with provision at $1.3M tied to growth. Deposits edged up 1% to $3.70B; $22M buybacks and $52.5M dividends returned capital. Centre acquisition closed January 1, 2026. CRE concentration risks quarterly momentum.
8-K
Q4 earnings up, Centre merger closes
Bank First reported Q4 2025 net income of $18.4M, up from $17.5M last year, with EPS at $1.87 and NIM expanding to 4.01%. Full-year earnings hit $71.5M, up 9%, despite $1.5M Centre acquisition costs; the transformative FNBT merger closed January 1, 2026, doubling prior deals. Assets quality stays pristine. Dividend hiked 11.1% to $0.50.
8-K
Eldred joins BFC board post-merger
Bank First Corporation elected Steven M. Eldred to its Board of Directors effective January 13, 2026, as part of its merger with Centre 1 Bancorp, Inc., completed January 1, 2026. Eldred brings 40+ years in community banking, including executive roles at FNBT and three decades on its board. His expertise bolsters strategic growth. Eldred serves a three-year term post-shareholder election June 15.
8-K
Merger complete, $6B assets
Bank First Corporation completed its merger with Centre 1 Bancorp on January 1, 2026, issuing 1,382,978 shares for Centre's stock. The deal adds trust and wealth management via First National Bank and Trust integration, boosting the combined entity to 38 branches and $6 billion in assets across Wisconsin and Illinois Stateline. System conversion hits May 2026. Integration risks loom large.
10-Q
Q3 FY2025 results
Bank First posted solid Q3 momentum, with net interest income up 6.6% y/y to $38.3M on stronger loan yields, while total interest expense fell 5.2% y/y to $17.2M as deposits repriced lower. Net income climbed 8.7% y/y to $18.0M ($1.83 diluted EPS), backed by noninterest income gains from Ansay and MSR valuation. Loans grew 3.2% q/q to $3.63B; deposits dipped 3.3% q/q to $3.54B, offset by FHLB notes at $210M (additional $382M available). Signed Centre merger in July 2025 (all-stock, targeting Jan 2026 close). Loans stay pristine. Nonaccruals tick up slightly.
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