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Bank FirstBFC -0.30%68 EV-to-OCF is 33.90 as of Jul. 31, 2026, which is 113% above its 10-year median of 15.88. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $139.98 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,500 Banks companies, Bank First ranks worse than 93.27% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bank First's Enterprise Value is $1,514.3 Mil.
Bank First's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $44.7 Mil. Therefore, Bank First's EV-to-OCF for today is 33.90.
The historical rank and industry rank for Bank First's EV-to-OCF or its related term are showing as below:
BFC'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.46 Med: 15.88 Max: 3945.34
Current: 33.9
During the past 13 years, the highest EV-to-OCF of Bank First was 3945.34. The lowest was 6.46. And the median was 15.88.
BFC's EV-to-OCF is ranked worse than 93.27% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs BFC: 33.90
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank First's share price for today is $151.24.
Bank First's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.690.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank First EV-to-OCF Related Terms
Bank First EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Bank First's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Bank First's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank First EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bank First's EV-to-OCF falls into.
Bank First's current Enterprise Value is $1,514.3 Mil.
Bank First's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $44.7 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank First (BFC) has a EV-to-OCF of 33.90 as of Jul. 31, 2026. This is 113% above median its historical median of 15.88. Over the past decade, Bank First's EV-to-OCF has ranged from 6.46 to 3,945.34. According to the industry distribution chart, Bank First ranks #1399 out of 1500 companies in the Banks industry, placing it in the top 93.3%.
Is Bank First's EV-to-OCF too high?
Bank First's current EV-to-OCF of 33.90 is 113% above median its 10-year median of 15.88. Over the past 10 years, this metric has ranged from a low of 6.46 to a high of 3,945.34. The Banks industry median EV-to-OCF is 3.98. Bank First's value of 33.90 is 752.8% above this industry median. Based on the distribution chart, Bank First ranks #1399 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank First has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank First's EV-to-OCF compare to OBK and QCRH?
According to the Banks industry distribution chart, Bank First ranks #1399 out of 1500 companies for EV-to-OCF. This places Bank First in the lower half of its industry. The industry median EV-to-OCF is 3.98. Bank First's value of 33.90 is 752.8% above this benchmark. Historically, Bank First's own EV-to-OCF has ranged from 6.46 to 3,945.34 over the past decade. While the company's 10-year median is 15.88 vs. the industry median of 3.98, Bank First has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current EV-to-OCF of 33.90 is 752.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current EV-to-OCF is 33.90, which is 113% above median its own 10-year median of 15.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank First stock overvalued right now?
Based on GuruFocus' analysis, Bank First (BFC) is currently considered Fairly Valued. The stock's GF Value™ is $139.98, compared to a current price of $151.24 — trading 8% above its estimated fair value. The current EV-to-OCF is 33.90, which is 113% above median its 10-year median of 15.88 and 752.8% above the Banks industry median of 3.98. Bank First's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bank First (BFC), the current EV-to-OCF is 33.90 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank First (BFC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank First stock appears to be overvalued.
The current stock price of $151.24 is trading 8% above its estimated GF Value™ of $139.98.
GuruFocus considers Bank First to be Fairly Valued.
Key valuation signals for BFC:
EV-to-OCF: 33.90 (113% above median its 10-year median of 15.88)
GF Value™: $139.98 vs. price of $151.24 (8% above fair value)
Industry Position: 752.8% above the Banks median (#1399 of 1500)
No single metric tells the full story. See the BFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank First Corp is a United States-based company engaged in providing financial services, a full range of consumer and commercial financial institution services to individuals and businesses, including retail and commercial banking in Wisconsin. These services include credit cards; secured and unsecured consumer, commercial, and real estate loans; demand, time, and savings deposits; and ATM processing. The Corporation also offers a full line of insurance services and checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, commercial and industrial loans, commercial real estate loans, construction and development loans, residential mortgages, consumer loans, credit cards, online banking, telephone banking, and mobile banking.
68GF Score
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