Bank FirstBFC -0.78%68 EV-to-FCF is 47.45 as of Jul. 05, 2026, which is 145% above its 10-year median of 19.35. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $136.63 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,193 Banks companies, Bank First ranks worse than 92.96% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank First's Enterprise Value is $1,429.8 Mil.
Bank First's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $30.1 Mil. Therefore, Bank First's EV-to-FCF for today is 47.45.
The historical rank and industry rank for Bank First's EV-to-FCF or its related term are showing as below:
BFC'
s EV-to-FCF Range Over the Past 10 Years
Min: -353.62 Med: 19.35 Max: 96.47
Current: 47.45
During the past 13 years, the highest EV-to-FCF of Bank First was 96.47. The lowest was -353.62. And the median was 19.35.
BFC's EV-to-FCF is ranked worse than 92.96% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs BFC: 47.45
EV-to-FCF 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-FCF 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 $152.10.
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 $7.190.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank First EV-to-FCF Related Terms
Bank First EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Bank First's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank First's EV-to-FCF falls into.
Bank First's current Enterprise Value is $1,429.8 Mil.
Bank First's Free Cash Flow 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 $30.1 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-FCF of 47.45 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank First and its competitors. This is 145% above median its historical median of 19.35. According to the industry distribution chart, Bank First ranks #1109 out of 1193 companies in the Banks industry, placing it in the top 93%.
Is Bank First's EV-to-FCF too high?
Bank First's current EV-to-FCF of 47.45 is 145% above median its 10-year median of 19.35. The Banks industry median EV-to-FCF is 6.61. Bank First's value of 47.45 is 617.9% above this industry median. Based on the distribution chart, Bank First ranks #1109 out of 1193 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank First's EV-to-FCF compare to CNOB and QCRH?
According to the Banks industry distribution chart, Bank First ranks #1109 out of 1193 companies for EV-to-FCF. This places Bank First in the lower half of its industry. The industry median EV-to-FCF is 6.61. Bank First's value of 47.45 is 617.9% above this benchmark. While the company's 10-year median is 19.35 vs. the industry median of 6.61, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current EV-to-FCF of 47.45 is 617.9% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank First and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current EV-to-FCF is 47.45, which is 145% above median its own 10-year median of 19.35. 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 Modestly Overvalued. The stock's GF Value™ is $136.63, compared to a current price of $152.10 — trading 11.3% above its estimated fair value. The current EV-to-FCF is 47.45, which is 145% above median its 10-year median of 19.35 and 617.9% above the Banks industry median of 6.61. Bank First's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank First (BFC), the current EV-to-FCF is 47.45 as of Jul. 05, 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 $152.10 is trading 11.3% above its estimated GF Value™ of $136.63.
GuruFocus considers Bank First to be Modestly Overvalued.
Key valuation signals for BFC:
EV-to-FCF: 47.45 (145% above median its 10-year median of 19.35)
GF Value™: $136.63 vs. price of $152.10 (11.3% above fair value)
Industry Position: 617.9% above the Banks median (#1109 of 1193)
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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