Bank FirstBFC -0.92%68 Pretax Margin % is 39.24% as of Mar. 2026, which is 23% below its 10-year median of 50.87. GuruFocus rates BFC with a GF Score™ of 68/100 and a GF Value™ of $135.64 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank First ranks better than 78.78% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Bank First's Pre-Tax Income for the
three
months ended in Mar. 2026 was $24.7 Mil. Bank First's Revenue for the
three
months ended in Mar. 2026 was $62.9 Mil. Therefore, Bank First's pretax margin for the quarter that ended in Mar. 2026 was 39.24%.
The historical rank and industry rank for Bank First's Pretax Margin % or its related term are showing as below:
BFC'
s Pretax Margin % Range Over the Past 10 Years
Min: 44.16 Med: 50.87 Max: 71.87
Current: 47.48
BFC's Pretax Margin % is ranked better than 78.78% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs BFC: 47.48
Bank First (NAS:BFC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Bank First Pretax Margin % Related Terms
Bank First Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Bank First's Pretax 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.
BFC vs RBCAA, QCRH, HOPE: Pretax Margin % Comparison
For the Banks - Regional subindustry, Bank First's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank First's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank First's Pretax 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 Pretax Margin % of 39.24% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank First and its competitors. This is 23% below median its historical median of 50.87. Over the past decade, Bank First's Pretax Margin % has ranged from 44.16 to 71.87. According to the industry distribution chart, Bank First ranks #324 out of 1527 companies in the Banks industry, placing it in the top 21.2%.
Is Bank First's Pretax Margin % too high?
Bank First's current Pretax Margin % of 39.24% is 23% below median its 10-year median of 50.87. Over the past 10 years, this metric has ranged from a low of 44.16 to a high of 71.87. The Banks industry median Pretax Margin % is 34.88. Bank First's value of 39.24% is 12.5% above this industry median. Based on the distribution chart, Bank First ranks #324 out of 1527 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 Pretax Margin % compare to RBCAA and QCRH?
According to the Banks industry distribution chart, Bank First ranks #324 out of 1527 companies for Pretax Margin %. This places Bank First in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Bank First's value of 39.24% is 12.5% above this benchmark. Historically, Bank First's own Pretax Margin % has ranged from 44.16 to 71.87 over the past decade. While the company's 10-year median is 50.87 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank First's current Pretax Margin % of 39.24% is 12.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank First and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank First's current Pretax Margin % is 39.24%, which is 23% below median its own 10-year median of 50.87. 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 $144.69 — trading 6.7% above its estimated fair value. The current Pretax Margin % is 39.24%, which is 23% below median its 10-year median of 50.87 and 12.5% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Bank First (BFC), the current Pretax Margin % is 39.24% 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 6.7% above its estimated GF Value™ of $135.64.
GuruFocus considers Bank First to be Fairly Valued.
Key valuation signals for BFC:
Pretax Margin %: 39.24% (23% below median its 10-year median of 50.87)
GF Value™: $135.64 vs. price of $144.69 (6.7% above fair value)
Industry Position: 12.5% above the Banks median (#324 of 1527)
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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