BFC FINANCIAL STATEMENTS

Bank First National Corp — balance sheet, income statement and cash flow trends

BFCBank First National Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value itDuel

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
0100 M200 M202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue264.3 M $Gross Profit191.5 M $ · 72%Operating Income90.7 M $ · 34%Pre-tax Income90.7 M $ · 34%Net Income73.2 M $ · 28%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue264.3 M $+14.4%
Gross Profit191.5 M $+19.4%
Operating Income90.7 M $+7.5%
EBITDA99.6 M $+7.8%
Net Income73.2 M $+7.1%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BFC———27.7%
KLNMA———58.1%
LB———1.4%
BFL———30.2%
BOQ———2.0%
SKBNK———14.2%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
02 B4 B6 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets6.1 B
  • Equity819.9 M $14%
  • Long-term Liabilities5.2 B $86%

Key Figures

YoY change
Total Assets6.1 B $+34.7%
Total Liabilities5.2 B $+36.1%
Total Equity819.9 M $+26.4%
Cash & ST Investments398.6 M $+2.7%
Total Debt124.8 M $-15.0%
Net Debt-273.8 M $—

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BFC—15.2%-2.7513.5%
KLNMA—0.0%-0.0017.7%
LB0.01744.5%280.575.3%
BFL33.689.1%-3.3012.0%
BOQ0.05258.4%49.896.0%
SKBNK—0.0%-13.415.9%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
020 M40 M60 M202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
0100 M200 M44.7 M $Operating191.3 M $Investing-138.2 M $Financing97.8 M $Net Change

Key Figures

YoY change
Operating Cash Flow44.7 M $-36.8%
Capital Expenditures14.5 M $+68.9%
Free Cash Flow30.1 M $-51.5%
Dividends Paid-53.6 M $-424.7%

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BFC16.9%11.4%5.5%61.0%
KLNMA58.1%57.8%0.3%100.0%
LB-1.8%-3.5%1.7%-134.2%
BFL116.9%27.7%2.8%386.6%
BOQ13.1%13.0%0.2%668.4%
SKBNK14.2%31.2%17.0%100.0%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.