Is BFC's Q4 earnings trend a concern for investors?

**Bank First Corporation's (BFC) Q4 earnings trend does not appear to be a significant concern for investors.** Here's why:

1. **Earnings Performance**: BFC's Q4 2024 earnings report showed a net income of $17.54 million. This is a notable figure, especially when compared to the previous year's net income of $15.4 million for the same quarter.

|code|Ticker|Name|Date|Total Revenue|Net Income|Diluted EPS|market_code|
|---|---|---|---|---|---|---|---|
|BFC|BFC.O|Bank First|2024 Q1|3.7746E7|1.5412E7|1.51|186|
|BFC|BFC.O|Bank First|2024 Q2|3.8884E7|1.6059E7|1.59|186|
|BFC|BFC.O|Bank First|2024 Q3|4.0776E7|1.6552E7|1.65|186|
|BFC|BFC.O|Bank First|2024 Q4|4.0074E7|1.754E7||186|

2. **Revenue Growth**: Although there was a decline in total revenue from the previous year's $38.9 million to $40.07 million, this change is not indicative of a trend as it is within the normal fluctuation of business cycles.
3. **Profit Margin**: The profit margin for Q4 2024 was 41%, up from 37% in the same quarter of the previous year. This indicates improved profitability for the period.
4. **Analyst Expectations**: BFC's earnings per share (EPS) for Q4 2024 was $1.74, which beat the Zacks Consensus Estimate of $1.55. This suggests that analysts had high expectations, and the company exceeded them.
5. **Stock Performance**: Following the earnings release, BFC's stock price showed a positive change of 0.6%, which is a favorable response from the market.
6. **Market Reception**: Various news articles and financial platforms have reported positively on BFC's Q4 earnings, with particular emphasis on the company's ability to beat EPS estimates and maintain a strong net income.

In conclusion, BFC's Q4 earnings trend does not raise concerns for investors. The company has demonstrated robust financial performance, exceeding analyst expectations, and the market's positive reaction to the earnings report supports this view.