Bank First (BFC) Fundamental Analysis: Revenue, Earnings & Valuation

1.80 / 10

Underperform

Fundamentally, BFC scores 1.8/10 (Underperform). Positive drivers are Net‑income‑Revenue and a 48.3% gross margin, but PB‑ROE (-0.79) and Revenue‑MV (-1.32) are poor, placing most ratios in low‑quality groups and suggesting limited upside.

Analysis Checks(5/10)

Revenue-MV

Value-1.32

Score1/3

Weight10.77%

1M Return4.17%

Gross profit margin (%)

Value48.34

Score3/3

Weight8.39%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight8.39%

1M Return3.48%

Profit-MV

Value0.89

Score1/3

Weight11.53%

1M Return4.81%

Net income-Revenue

Value0.87

Score2/3

Weight15.77%

1M Return6.11%

PB-ROE

Value-0.79

Score1/3

Weight9.87%

1M Return4.23%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight8.39%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight8.39%

1M Return3.48%

Asset-MV

Value-0.55

Score0/3

Weight10.21%

1M Return4.19%

Cash-MV

Value-0.31

Score0/3

Weight8.29%

1M Return3.33%

Is BFC undervalued or overvalued?

BFC scores 1.80/10 on fundamentals and holds a Premium valuation at present. Backed by its 11.09% ROE, 41.12% net margin, 20.65 P/E ratio, 2.28 P/B ratio, and 11.23% earnings growth, these metrics solidify its Underperform investment rating.