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Bank FirstFRA:42H -3.82%23 OCF Margin % is 38.07% as of Jun. 2026, which is 5% above its 10-year median of 36.14. GuruFocus rates FRA:42H with a GF Score™ of 23/100 and a GF Value™ of €130.25 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, Bank First ranks worse than 56.7% on this metric.
The historical data trend for Bank First's OCF 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.
FRA:42H vs OBK, QCRH, OCFC: OCF Margin % Comparison
For the Banks - Regional subindustry, Bank First's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank First's OCF 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 (FRA:42H) has a OCF Margin % of 38.07% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank First and its competitors. This is near median its historical median of 36.14. Over the past decade, Bank First's OCF Margin % has ranged from 29.17 to 42.62. According to the industry distribution chart, Bank First ranks #846 out of 1492 companies in the Banks industry, placing it in the top 56.7%.
Is Bank First's OCF Margin % too high?
Bank First's current OCF Margin % of 38.07% is near median its 10-year median of 36.14. Over the past 10 years, this metric has ranged from a low of 29.17 to a high of 42.62. The Banks industry median OCF Margin % is 30.55. Bank First's value of 38.07% is 24.6% above this industry median. Based on the distribution chart, Bank First ranks #846 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Bank First has a GF Score™ of 23/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank First's OCF Margin % compare to OBK and QCRH?
According to the Banks industry distribution chart, Bank First ranks #846 out of 1492 companies for OCF Margin %. This places Bank First in the lower half of its industry. The industry median OCF Margin % is 30.55. Bank First's value of 38.07% is 24.6% above this benchmark. Historically, Bank First's own OCF Margin % has ranged from 29.17 to 42.62 over the past decade. While the company's 10-year median is 36.14 vs. the industry median of 30.55, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.55, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current OCF Margin % of 38.07% is 24.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank First and its competitors. For the Banks industry, the median OCF Margin % is 30.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current OCF Margin % is 38.07%, which is near median its own 10-year median of 36.14. 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 (FRA:42H) is currently considered Fairly Valued. The stock's GF Value™ is €130.25, compared to a current price of €126.00 — trading 3.3% below its estimated fair value. The current OCF Margin % is 38.07%, which is near median its 10-year median of 36.14 and 24.6% above the Banks industry median of 30.55. Bank First's overall GF Score™ is 23/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bank First (FRA:42H), the current OCF Margin % is 38.07% as of Jun. 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 (FRA:42H) Overvalued in 2026?
Based on GuruFocus' analysis, Bank First stock appears to be undervalued.
The current stock price of €126.00 is trading 3.3% below its estimated GF Value™ of €130.25.
GuruFocus considers Bank First to be Fairly Valued.
Key valuation signals for FRA:42H:
OCF Margin %: 38.07% (near median its 10-year median of 36.14)
GF Value™: €130.25 vs. price of €126.00 (3.3% below fair value)
Industry Position: 24.6% above the Banks median (#846 of 1492)
No single metric tells the full story. See the FRA:42H 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.
23GF Score
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