Bank First Corporation Financial Ratios — 42H Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.61	11.03	11.7	11.98	11.75	12.1	10.59	15.15	13.2	14.49	14.72	11.66	13.89	10.41	11.14
Return on Assets (%)	0.98	1.08	1.11	1.17	1.14	1.17	1	1.44	1.33	1.54	1.61	1.37	1.89	1.5	1.59
Return on Capital (%)	9.03	10.66	11.43	11.88	11.75	12.1	9.9	13.85	11.02	11.99	13.29	10.94	12.96	8.99	9.21
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.07	38.11	43.47	46.94	49.43	51.33	46.82	46.01	44.16	48.35	55.28	50.4	71.87	51.42	51.83
Profit Margin (%)	25.53	27.41	30.46	31.38	32.86	33.84	29.7	36.54	34.38	36.88	41.89	38.21	54.2	42.4	42.03
Net Income to Common Margin (%)	25.53	27.41	30.46	31.38	32.86	33.84	29.7	36.54	34.38	36.88	41.89	38.21	54.2	42.4	42.03
Effective Tax Rate (%)	25.05	28.08	29.93	33.15	33.52	34.07	36.56	20.58	22.15	23.72	24.22	24.18	24.58	17.54	18.91
Dvd Payout Ratio (%)	32.51	55.45	12.15	23.07	23.95	24.58	26.42	17.8	20.47	16.16	19.22	17.3	16.05	23.74	73.43
Sustainable Growth Rate (%)	6.49	4.91	10.28	9.22	8.94	9.13	7.79	12.45	10.5	12.15	11.89	9.64	11.66	7.94	2.96

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	3	2	- -	- -	- -	20	12	68	41	26	25	51	147	122
ST Debt	- -	1	- -	- -	- -	- -	5	- -	- -	- -	- -	- -	- -	- -	30
LT Debt	4	2	2	- -	- -	- -	15	12	68	41	26	25	51	147	92
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.2	9.42	9.57	9.87	9.61	9.69	9.22	9.72	10.42	10.85	10.98	12.38	14.68	14.23	14.29
Long-Term Debt/Equity (%)	3.99	2.09	1.79	- -	- -	- -	9.27	6.6	29.72	13.89	7.91	5.61	8.29	23.04	14.28
Long-Term Debt/Capital (%)	3.83	2.03	1.76	- -	- -	- -	8.25	6.19	22.91	12.2	7.33	5.31	7.66	18.72	12.01
Long-Term Debt/Total Assets (%)	0.41	0.2	0.17	- -	- -	- -	0.86	0.64	3.1	1.51	0.87	0.69	1.22	3.28	2.04
Total Debt/Equity (%)	3.99	2.93	1.79	- -	- -	- -	12.37	6.6	29.72	13.89	7.91	5.61	8.29	23.04	18.94
Total Debt/Capital (%)	3.83	2.85	1.76	- -	- -	- -	11.01	6.19	22.91	12.2	7.33	5.31	7.66	18.72	15.93
Total Debt/Total Assets (%)	0.41	0.28	0.17	- -	- -	- -	1.14	0.64	3.1	1.51	0.87	0.69	1.22	3.28	2.71
Net Debt to Equity	-39.14	-112.75	-32.36	-37.64	-23.6	-31.61	-20.47	-29.69	6.67	-43.83	-84.1	-20.73	-31.64	-17.82	-18.83
Net Debt/Capital (%)	-64.31	884.56	-47.85	-60.37	-30.89	-46.21	-25.73	-42.24	6.25	-78.05	-528.9	-26.15	-46.27	-21.68	-23.2
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.2	9.42	9.57	9.87	9.61	9.69	9.22	9.72	10.42	10.85	10.98	12.38	14.68	14.23	14.29
Long-Term Debt/Equity (%)	3.99	2.09	1.79	- -	- -	- -	9.27	6.6	29.72	13.89	7.91	5.61	8.29	23.04	14.28
Long-Term Debt/Capital (%)	3.83	2.03	1.76	- -	- -	- -	8.25	6.19	22.91	12.2	7.33	5.31	7.66	18.72	12.01
Long-Term Debt/Total Assets (%)	0.41	0.2	0.17	- -	- -	- -	0.86	0.64	3.1	1.51	0.87	0.69	1.22	3.28	2.04
Total Debt/Equity (%)	3.99	2.93	1.79	- -	- -	- -	12.37	6.6	29.72	13.89	7.91	5.61	8.29	23.04	18.94
Total Debt/Capital (%)	3.83	2.85	1.76	- -	- -	- -	11.01	6.19	22.91	12.2	7.33	5.31	7.66	18.72	15.93
Total Debt/Total Assets (%)	0.41	0.28	0.17	- -	- -	- -	1.14	0.64	3.1	1.51	0.87	0.69	1.22	3.28	2.71
CFO/Total Liabilities	1.65	1.68	1.42	1.65	1.13	1.21	1.15	1.42	1.14	1.81	1.54	1.25	1.47	1.71	1.62
CFO/CapEx	8.78	8.26	16.57	5.59	4.1	11.33	6.49	2.91	3.12	5.25	4.62	5.82	3.93	9.11	5.46
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	503	552	840	910	943	1,225
- Cash & Cash Equivalents	40	111	35	41	28	40	53	63	53	170	297	119	247	261	243
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	3	2	- -	- -	- -	20	12	68	41	26	25	51	147	122
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	208	68	441	554	606	1,010
Total Capital	97	99	103	109	119	128	182	186	299	336	348	479	671	787	766
Total Debt/Capital (%)	3.83	2.85	1.76	- -	- -	- -	11.01	6.19	22.91	12.2	7.33	5.31	7.66	18.72	15.93
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.2	0.37	0.06	0.09	0.24	0.12
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.02	0.63	3.73	4.03	3.92	5.93
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.74	1.69	11.04	10.46	9.21	16.16
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.86	2.16	13.32	14.03	10.34	19.78
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	488	554	752	895	950	1,232
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	194	70	353	539	613	1,017
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.03	8.95	48.94	53.41	60.55	102.65
TTM Sales	33	38	38	40	41	44	52	70	78	103	108	118	137	155	170
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	14	16	14	16	13	14	18	23	23	44	40	40	53	66	62
TTM Free Cash Flow to Firm	12	14	13	13	10	13	15	15	15	36	32	33	39	59	51

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.71	17.56	22.69	22.68	16.21	24.14
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	208	68	441	554	606	1,010
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	42.84	64.13	67.85	65.54	75.14	89.64
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.02	0.63	3.73	4.03	3.92	5.93
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.75	12.16	16.58	11.98	14.49	17.23
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.8	11.71	13.66	10.8	13.36	15.9
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.66	12.81	17.57	12.45	17	18.96
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.38	10.75	12.07	8.95	11.56	12.4
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.7	1.71	1.85	1.47	1.47	1.9
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.58	1.65	1.53	1.32	1.36	1.76
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.83	1.8	1.97	1.53	1.73	2.09
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	1.51	1.35	1.1	1.18	1.37
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.18	2.14	2.66	2.25	2.19	2.79
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.02	2.06	2.19	2.03	2.02	2.57
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.34	2.25	2.82	2.34	2.57	3.07
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.43	1.89	1.93	1.68	1.75	2.01
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.7	5.09	6.33	6.49	6.15	7.24
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.35	4.9	5.22	5.85	5.66	6.68
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.04	5.37	6.72	6.75	7.21	7.97
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.09	4.51	4.61	4.85	4.9	5.21
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.04	13.72	18.73	16.86	14.43	19.72
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.21	13.21	15.44	15.2	13.3	18.19
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.82	14.45	19.86	17.53	16.93	21.69
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.25	12.13	13.64	12.59	11.51	14.19
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.68	16.9	18.7	20.45	14.94	22.27
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.68	18.49	24.05	23.58	19.01	26.56
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	9	15.53	16.52	16.94	12.93	17.37
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.66	0.44	2.48	3.37	3.44	5.38
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.37	0.9	4.16	4.29	4.97	6.66
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.35	0.04	1.8	2.35	2.69	3.92
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	65.21	72.5	93.16	87.76	94.21	124.54
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	69.83	76.36	98.77	91.22	110.5	137.02
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	171	48	294	464	532	915
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	244	98	492	589	769	1,132
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	36	4	213	323	415	666

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	7	6	6	6	6	6	7	7	7	8	8	9	10	10	10
Diluted Weighted Avg Shares	7	7	6	6	6	6	6	7	7	7	8	8	10	10	10
Basic Weighted Avg Shares	7	7	6	6	6	6	6	7	7	7	8	8	10	10	10
Revenue per Share	5.08	5.77	5.87	6.35	6.48	7.08	8.2	10.44	11.47	13.86	14.23	14.71	13.51	15.33	17.2
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.3	1.58	1.79	1.99	2.13	2.4	2.44	3.81	3.94	5.11	5.96	5.62	7.32	6.5	7.23
Basic EPS from Cont Ops	1.3	1.58	1.79	1.99	2.13	2.4	2.44	3.81	3.94	5.11	5.96	5.62	7.32	6.5	7.23
Diluted EPS, GAAP	1.3	1.58	1.79	1.99	2.13	2.4	2.44	3.81	3.88	5.09	5.95	5.6	7.31	6.5	7.23
Diluted EPS from Cont Ops	1.3	1.58	1.79	1.99	2.13	2.4	2.44	3.81	3.88	5.09	5.95	5.6	7.31	6.5	7.23
Dividend per Share	0.42	0.88	0.22	0.46	0.51	0.59	0.64	0.68	0.81	0.83	1.15	0.97	1.18	1.54	5.31
Cash Flow per Share	2.05	2.36	2.11	2.59	2.01	2.32	2.91	3.45	3.35	5.91	5.29	4.97	5.2	6.53	6.32
Free Cash Flow per Basic Share	1.82	2.08	1.98	2.13	1.52	2.11	2.47	2.27	2.27	4.78	4.14	4.12	3.88	5.81	5.16
Cash & Equivalents per Share	6.61	35.89	22.61	18.53	20.01	24.41	25.29	27.56	33.69	43.49	66.9	47.04	39.31	48.38	34.29
Book Value per Share	14.09	15.05	15.91	17.42	18.97	20.53	23.76	26.37	32.49	38.25	42.36	50.22	59.8	63.89	65.47
Tangible Book Value per Share	12.6	13.47	14.26	15.76	17.33	18.86	20.73	23.3	25	29.86	33.91	35.08	38.98	42.95	44.63