Bank FirstBFC -0.92%68 Net Margin % is 31.76% as of Mar. 2026, which is 15% below its 10-year median of 37.55. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $135.51 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Bank First ranks better than 81.85% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank First's Net Income for the
three
months ended in Mar. 2026 was $20.0 Mil. Bank First's Revenue for the
three
months ended in Mar. 2026 was $62.9 Mil. Therefore, Bank First's net margin for the quarter that ended in Mar. 2026 was 31.76%.
The historical rank and industry rank for Bank First's Net Margin % or its related term are showing as below:
BFC'
s Net Margin % Range Over the Past 10 Years
Min: 29.7 Med: 37.55 Max: 54.2
Current: 38.33
BFC's Net Margin % is ranked better than 81.85% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs BFC: 38.33
Bank First (NAS:BFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank First Net Margin % Related Terms
Bank First Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank First's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank First's Net Margin % falls into.
* 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 Net Margin % of 31.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank First and its competitors. This is 15% below median its historical median of 37.55. Over the past decade, Bank First's Net Margin % has ranged from 29.70 to 54.20. According to the industry distribution chart, Bank First ranks #277 out of 1526 companies in the Banks industry, placing it in the top 18.2%.
Is Bank First's Net Margin % too high?
Bank First's current Net Margin % of 31.76% is 15% below median its 10-year median of 37.55. Over the past 10 years, this metric has ranged from a low of 29.70 to a high of 54.20. The Banks industry median Net Margin % is 26.97. Bank First's value of 31.76% is 17.8% above this industry median. Based on the distribution chart, Bank First ranks #277 out of 1526 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 Net Margin % compare to RBCAA and QCRH?
According to the Banks industry distribution chart, Bank First ranks #277 out of 1526 companies for Net Margin %. This places Bank First in the top 18% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Bank First's value of 31.76% is 17.8% above this benchmark. Historically, Bank First's own Net Margin % has ranged from 29.70 to 54.20 over the past decade. While the company's 10-year median is 37.55 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current Net Margin % of 31.76% is 17.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank First and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current Net Margin % is 31.76%, which is 15% below median its own 10-year median of 37.55. 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 $135.51, compared to a current price of $144.69 — trading 6.8% above its estimated fair value. The current Net Margin % is 31.76%, which is 15% below median its 10-year median of 37.55 and 17.8% above the Banks industry median of 26.97. Bank First's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank First (BFC), the current Net Margin % is 31.76% 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 $144.69 is trading 6.8% above its estimated GF Value™ of $135.51.
GuruFocus considers Bank First to be Fairly Valued.
Key valuation signals for BFC:
Net Margin %: 31.76% (15% below median its 10-year median of 37.55)
GF Value™: $135.51 vs. price of $144.69 (6.8% above fair value)
Industry Position: 17.8% above the Banks median (#277 of 1526)
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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