BFC (Bank First) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Bank First LT-Debt-to-Total-Asset?

Bank First BFC +2.23% 68 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $135.64 (Fairly Valued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bank First's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Bank First's long-term debt to total assets ratio declined from Mar. 2025 (0.03) to Mar. 2026 (0.02). It may suggest that Bank First is progressively becoming less dependent on debt to grow their business.

Bank First (NAS:BFC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bank First LT-Debt-to-Total-Asset Related Terms

Bank First LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bank First's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Bank First Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.01

0.03

0.02

Bank First Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.03	0.05	0.02	0.02

68GF Score

Bank First Corp BFC

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Bank First LT-Debt-to-Total-Asset Calculation

Bank First's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	91.966	/	4506.095
	=	0.02

Bank First's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	124.845	/	6069.013
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Bank First (BFC) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank First and its competitors.

Is Bank First's LT-Debt-to-Total-Asset too high?

Bank First's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to RBCAA and QCRH?

Bank First's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank First and its competitors. Bank First's current LT-Debt-to-Total-Asset is 0.02. 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 $135.64, compared to a current price of $147.90 — trading 9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bank First (BFC), the current LT-Debt-to-Total-Asset is 0.02 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 $147.90 is trading 9% above its estimated GF Value™ of $135.64. GuruFocus considers Bank First to be Fairly Valued.

Key valuation signals for BFC:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $135.64 vs. price of $147.90 (9% above fair value)
GF Score™: 68/100 with 5 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

Industry Financial Services Banks

Comparable Companies RBCAA QCRH HOPE CNOB LKFN BY TCBK STBA GABC OBK SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 402 North 8th Street, Manitowoc, WI, USA, 54220

Website https://www.bankfirst.com

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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$147.90

Price

$135.64

GF Value

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