BFC PEER ANALYSIS

Bank First National Corp — metric-by-metric comparison with peers and the industry median

BFCBank First National Corp

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

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

BFCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BFC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
P/E	23.17	10.20	116.67	3.26●	40.81	20.06	12.96
P/B	2.07	2.79	0.68●	0.74	0.69	3.18	1.29
EV/EBITDA	14.29	7.18	306.42	-1.43●	67.01	1.78	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BFC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Current Ratio	—	—	0.01	33.68●	0.05	—	0.31
Debt/Equity	15.2%	0.0%●	744.5%	9.1%	258.4%	0.0%●	38.0%
NetDebt/EBITDA	-2.75	-0.00	280.57	-3.30	49.89	-13.41●	-0.58

Profitability
Metric	BFC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Net Margin	27.7%	58.1%●	1.4%	30.2%	2.0%	14.2%	20.6%
ROE	10.0%	34.1%●	1.0%	24.2%	1.6%	17.5%	10.9%
ROA	1.4%	5.4%●	0.1%	2.9%	0.1%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BFC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	7.1%	42.3%●	-80.9%	—	-67.9%	8.1%	19.4%
Div. Yield	1.2%	—	4.7%	22.5%●	6.5%	—	2.5%
Payout	73.2%	—	335.1%	68.7%	256.1%	—	31.4%

Valuation
Metric	BFC	BY	NBHC	DCOM	HOPE	TCBK	Ind. Median
P/E	23.17	12.18●	15.96	13.97	26.01	13.60	12.96
P/B	2.07	1.33	1.02	1.16	0.76●	1.32	1.29
EV/EBITDA	14.29	3.19	5.11	-1.46●	16.46	7.92	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BFC	BY	NBHC	DCOM	HOPE	TCBK	Ind. Median
Current Ratio	—	3.39	63.44●	0.21	2.28	0.04	0.31
Debt/Equity	15.2%	51.5%	13.2%	47.3%	17.4%	6.0%●	38.0%
NetDebt/EBITDA	-2.75	-5.30	-5.26	-10.95●	-2.12	-1.15	-0.58

Profitability
Metric	BFC	BY	NBHC	DCOM	HOPE	TCBK	Ind. Median
Net Margin	27.7%●	22.0%	17.2%	16.6%	6.8%	23.9%	20.6%
ROE	10.0%	11.6%●	7.1%	8.5%	3.0%	10.0%	10.9%
ROA	1.4%	1.4%●	0.9%	0.9%	0.4%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BFC	BY	NBHC	DCOM	HOPE	TCBK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	7.1%	17.6%	-4.9%	276.9%●	-29.4%	13.6%	19.4%
Div. Yield	1.2%	1.1%	2.8%	2.4%	4.0%●	2.6%	2.5%
Payout	73.2%	13.7%	46.7%	40.6%	107.2%	35.5%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.