BFC (Bank First) Moat Score: 5/10 (As of Jun. 27, 2026)


BFC Bank First Corp BFC
68 GF Score
Price $147.90
GF Value $135.64
Valuation Fairly Valued
! 5 Warning Signs
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What is Bank First Moat Score?

Bank First BFC +2.23% 68 Moat Score is 5 as of Jun. 27, 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. Among 1,610 Banks companies, Bank First ranks better than 93.98% on this metric.

Bank First has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Bank First has Narrow Moat: Bank First Corp has a solid narrow moat due to its regional market presence and customer loyalty. It benefits from some pricing power and economies of scale. However, it lacks significant intellectual property, network effects, and regulatory barriers, limiting its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank First might have Narrow Moat - Solid narrow moat.

Bank First  (NAS:BFC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank First Moat Score Related Terms

BFC vs RBCAA, QCRH, HOPE: Moat Score Comparison

For the Banks - Regional subindustry, Bank First's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank First's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank First's Moat Score falls into.


BFC
68GF Score
Bank First Corp BFC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Bank First (BFC) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank First ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Bank First's Moat Score too high?
Bank First's current Moat Score is 5. Based on the distribution chart, Bank First ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to RBCAA and QCRH?
According to the Banks industry distribution chart, Bank First ranks #97 out of 1610 companies for Moat Score. This places Bank First in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank First's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank First (BFC), the current Moat Score is 5 as of Jun. 27, 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:

  • Moat Score: 5
  • 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

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.
68GF Score

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

$147.90
Price
$135.64
GF Value