BFC (Bank First) Long-Term Debt: $124.8 Mil (As of Mar. 2026)


BFC Bank First Corp BFC
66 GF Score
Price $152.10
GF Value $136.51
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Bank First Long-Term Debt?

Bank First BFC -0.78% 66 Long-Term Debt is $124.8 Mil as of Mar. 2026. GuruFocus rates BFC with a GF Score™ of 66/100 and a GF Value™ of $136.51 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Bank First's Long-Term Debt for the quarter that ended in Mar. 2026 was $124.8 Mil.

Bank First's quarterly Long-Term Debt declined from Sep. 2025 ($221.9 Mil) to Dec. 2025 ($92.0 Mil) but then increased from Dec. 2025 ($92.0 Mil) to Mar. 2026 ($124.8 Mil).

Bank First's annual Long-Term Debt increased from Dec. 2023 ($51.4 Mil) to Dec. 2024 ($147.4 Mil) but then declined from Dec. 2024 ($147.4 Mil) to Dec. 2025 ($92.0 Mil).

Bank First  (NAS:BFC) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Bank First Long-Term Debt Related Terms

Bank First Long-Term Debt Historical Data

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The historical data trend for Bank First's Long-Term Debt 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.

Bank First Long-Term Debt Chart

Bank First Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.51 25.43 51.39 147.37 91.97

Bank First Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 146.89 121.92 221.94 91.97 124.85
BFC
66GF Score
Bank First Corp BFC
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $124.8 Mil mean?
Bank First (BFC) has a Long-Term Debt of $124.8 Mil as of Mar. 2026.
Is Bank First's Long-Term Debt too high?
Bank First's current Long-Term Debt is $124.8 Mil. Overall, Bank First has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank First's Long-Term Debt compare to CNOB and QCRH?
Bank First's Long-Term Debt of $124.8 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Bank First's current Long-Term Debt is $124.8 Mil. 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 $136.51, compared to a current price of $152.10 — trading 11.4% above its estimated fair value. The current Long-Term Debt is $124.8 Mil. Bank First's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Bank First (BFC), the current Long-Term Debt is $124.8 Mil as of Mar. 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 11.4% above its estimated GF Value™ of $136.51. GuruFocus considers Bank First to be Modestly Overvalued.

Key valuation signals for BFC:

  • Long-Term Debt: $124.8 Mil
  • GF Value™: $136.51 vs. price of $152.10 (11.4% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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 Business Description

Address 402 North 8th Street, Manitowoc, WI, USA, 54220
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.
66GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$152.10
Price
$136.51
GF Value