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Bank FirstBFC -1.11%68 Intrinsic Value: Projected FCF is $103.74 as of Sep. 16, 2026. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $155.19 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,301 Banks companies, Bank First ranks worse than 91.78% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-16), Bank First's Intrinsic Value: Projected FCF is $103.74. The stock price of Bank First is $151.66. Therefore, Bank First's Price-to-Intrinsic-Value-Projected-FCF of today is 1.5.
The historical rank and industry rank for Bank First's Intrinsic Value: Projected FCF or its related term are showing as below:
BFC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.99 Med: 1.39 Max: 2.68
Current: 1.46
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Bank First was 2.68. The lowest was 0.99. And the median was 1.39.
BFC's Price-to-Projected-FCF is ranked worse than 91.78% of 1301
companies
in the Banks industry
Industry Median: 0.6
vs BFC: 1.46
Bank First (NAS:BFC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Bank First's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
151.66
/
75.314630609655
=
2.01
* 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 Intrinsic Value: Projected FCF Related Terms
Bank First Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Bank First's Intrinsic Value: Projected 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.
BFC vs CASH, TFIN, TCBK: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Bank First's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Bank First's Price-to-Projected-FCF falls into.
Bank First Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $103.74 mean?
Bank First (BFC) has a Intrinsic Value: Projected FCF of $103.74 as of Sep. 16, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Bank First and its competitors. According to the industry distribution chart, Bank First ranks #1194 out of 1301 companies in the Banks industry, placing it in the top 91.8%.
Is Bank First's Intrinsic Value: Projected FCF too high?
Bank First's current Intrinsic Value: Projected FCF is $103.74. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Bank First's value of $103.74 is 17190% above this industry median. Based on the distribution chart, Bank First ranks #1194 out of 1301 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 Intrinsic Value: Projected FCF compare to CASH and TFIN?
According to the Banks industry distribution chart, Bank First ranks #1194 out of 1301 companies for Intrinsic Value: Projected FCF. This places Bank First in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Bank First's value of $103.74 is 17190% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current Intrinsic Value: Projected FCF of $103.74 is 17190% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Bank First and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current Intrinsic Value: Projected FCF is $103.74. 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 $155.19, compared to a current price of $151.66 — trading 2.3% below its estimated fair value. The current Intrinsic Value: Projected FCF is $103.74 and 17190% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Bank First (BFC), the current Intrinsic Value: Projected FCF is $103.74 as of Sep. 16, 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 undervalued.
The current stock price of $151.66 is trading 2.3% below its estimated GF Value™ of $155.19.
GuruFocus considers Bank First to be Fairly Valued.
Key valuation signals for BFC:
Intrinsic Value: Projected FCF: $103.74
GF Value™: $155.19 vs. price of $151.66 (2.3% below fair value)
Industry Position: 17190% above the Banks median (#1194 of 1301)
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
Get the complete analysis for BFC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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